“Luke has been really helpful, considered and very personable in his approach to assisting us with our needs. He was actually recommended by a friend and it is obvious as to why he has built a strong r...”
Robert Chittick
East Melbourne VIC
Serving Melbourne, VIC
Your Challenges
You're worried about what happens to your family if something happens to you
You have no insurance or don't know if you have enough
You're not sure what types of insurance you need
Your insurance is through super and you're not sure if it's adequate
You've been quoted insurance but don't know if it's good value
You can't work due to injury or illness and have no backup plan
You want to protect your income and lifestyle
You need help understanding policy terms and exclusions
Our Solutions
Assess your specific protection needs based on your family situation and goals
Ensure your family is financially secure if the unexpected happens
Protect your income if you can't work due to illness or injury
Financial support for serious illness, injury, or permanent disability
Review existing cover and compare options to ensure best value
Expert guidance through the claims process when you need it most
Book Your Consultation
15 minutes · No obligation
A quick conversation to explore how we can help you achieve your financial goals.
90 minutes · Comprehensive
In-depth financial review with personalized strategies and actionable recommendations.
Fill out the form and our team will contact you within 24 hours
Client Success
Real stories from real clients who have taken control of their financial destiny.
“Luke has been really helpful, considered and very personable in his approach to assisting us with our needs. He was actually recommended by a friend and it is obvious as to why he has built a strong r...”
Robert Chittick
“Excellent advice given in terms I could understand with an achievable plan for future me.”
Tammie Pickard
“Very helpful and knowledgeable advisers, would highly recommend their team.”
Stephanie G
“On recommendation from a business contact of ours we contacted What If Advice to help us with a business and personal life financial plan for our super and insurances. Ben and Leigh present as, and ha...”
Jiggles Jangles
“I have recently met with Ben and Leigh to discuss financial strategy personally and for my business. They are both very personable and genuine guys and I felt throughout the sessions that without a do...”
Melissa Moore
“I had the pleasure of having Ben Collin's as my financial advisor for my business and wow, the support and advice I got really helped the growth and opened my eyes to new and exciting ways to boost my...”
Riley Yarnold
“What If Advice has been amazing - I had an excellent experience working with Luke especially! Their team is not only highly knowledgeable but also incredibly approachable and patient. They took the ti...”
Stephanie Phillips
“Meeting with Luke at 'What If' has been a very positive experience. Not only is his advice helpful but he's a pleasure to deal with and communicates information clearly. I highly recommend What If Adv...”
Ali Grace
“Nice friendly people, very helpful easy to deal with - recommend their service.”
Trevor
“Professional service from start to finish. The team really understood our family situation and created a plan that works for us.”
Michael Chen
“Best financial advice I've received. Clear explanations and practical strategies that I can actually implement.”
Sarah Johnson
“What If Advice helped us navigate a complex inheritance situation. Their expertise and patience made all the difference.”
David Smith
“I was worried about retirement but the team put together a comprehensive plan that gave me confidence in my future.”
Emma Wilson
“Great experience with the whole team. They take time to explain everything and make sure you understand your options.”
James Anderson
“Highly recommend! They helped restructure my business finances and I'm already seeing the benefits.”
Lisa Brown