What If Advice

Meet the brilliant minds behind our financial advice team! 🤍

From investment wizards to retirement planning experts, each member brings unique expertise to help secure your financial future⭐️

Don’t hesitate to reach out! We are here to guide you towards financial success with personalised advice 📈💼

Let's talk superannuation funds; it’s kind of my jam.


Have you worked multiple jobs and collected various superannuation funds along the way? Getting your super sorted and all in one place will get you a big *sigh* of relief, especially since you can avoid your super deteriorating in fees!

I can help in rounding up your accounts and providing advice on a fund that is the best fit for YOU. 🙌 Let's talk! Shoot me a message and we'll see how much you can save today!

Come along to our Retirement Workshop!

This free seminar with our financial advisers will cover everything you need to know about planning for a comfortable retirement:

- How much will you need to save?
- What does an ideal retirement lifestyle look like for you?
- Strategies to maximise your retirement savings
- Understanding the age pension
- Open Q&A Session

Shoot us an email or simply call to secure a spot!

We look forward to hearing from you!

It's all about "Balance & Control" 😎

Navigate your investments with purpose; goals give direction to success ⭐️

Need more advice? Give us a call on 1800942843 📲📲📲

Insurance can be confusing and it’s hard to know what you really need or want. 🤔


As we grow older, get married, build families, and start businesses, we come to realize more and more that life insurance is a fundamental part of having a sound financial plan.

Over the years, you’ll find comfort in knowing money will be available to protect your loved ones in the event of your passing. Here are a few other reasons why having life insurance is important.

✅ To protect your family and loved ones.

✅ To leave an inheritance.

✅ To pay-off debt and other expenses.

✅ To add more financial security.

✅ To bring peace of mind.

Without a doubt, having life insurance coverage will bring you and your family peace of mind. It’s one thing you can be sure of and you’ll no longer have to question whether they’ll be taken care of when you can't.

If you want me to help you take the right steps towards the right journey to financial security, send me a message or comment below and I will get back to you.

What is the difference between pension and superannuation? 🤔

For starters, both sound like retirement funds, but they have a big difference. Both Super funds and Pension funds are part of the superannuation system.

In simple terms, a super fund is what you make contributions to while you are saving for retirement, while a pension fund is a fund that pays you an income when you are retired. You are only allowed to make contributions to a super fund. Pension funds cannot receive additional funds once they are set up.

Need help planning for retirement? Let me know so I can help you! 🙌

3 mistakes people make when creating wealth. Are you like this? 😬😬


❌Not understanding ‘good’ and ‘bad’ debt
Some people are afraid of debt of any kind, believing it will hamstring their efforts to get ahead financially. However debt, can be used to help investors fast track their wealth creation strategy.

❌Missing an opportunity to leverage extra payments and offsets
Some mortgage holders don’t realise the power they hold themselves when it comes to paying off their home loan sooner, boosting their financial position along the way.

❌Putting all your eggs in one basket
There are countless ways to invest your hard earned money: you can buy shares, invest in property directly or through a managed fund, set up a SMSF, or leverage your money as a developer.

Ready for tax time? 💰

As tax time approaches here are 3 hot tips to minimise returns and minimise stress! 💼💡

Need more advice? Contact our team here at What If Advice + Accounting on 1800942843 💲💲💲

It can feel like an uphill battle to stay ahead of the game financially. Getting the right advice now is crucial, so you can enjoy financial freedom in the years to come.

The winner for the Nespresso coffee machine is.......... Ashleigh Smith! 🎉

Congratulations Ashleigh! You will be contacted shortly via email to arrange pick up!

Thank you to everyone that entered! Stay tuned for future giveaways! 😃

Goals give you a sense of purpose in life.



>>> Do your goals excite you?

5 things you didn't know we could do... for free! 🙌


The first step to make some improvements with your finances is always research – you need to know your current situation, before you can make plans to change it.

Here are 5 services we offer completely free that will help you create your ‘current financial snapshot’.

1. Credit Report
2. Property Reports
3. Lost Super Search
4. Super Fund Research
5. Wealth Portal App

Would you like to get access to these free services?
Send me a message or comment below!

4️⃣ Types of Insurance Everyone Needs

>> Life Insurance
The most significant benefits of life insurance include the ability to cover your funeral expenses and provide for those you leave behind. It is especially important if you have a family that is dependent on your salary to pay the bills.

>> Health Insurance
Statistically, you and your family are just one serious illness away from bankruptcy. Medical debt problems can strike anyone: The problem cuts across age groups and educational levels. Even people who would be considered financially responsible can be affected by medical debt.

>> Long-Term Disability Coverage
It is the type of insurance most of us think we will never need. Often, even those workers who have excellent health insurance, a nice nest egg, and a good life insurance policy don't prepare for the day when they might not be able to work for weeks, months or ever again. While health insurance pays for hospitalisation and medical bills, you're still left with those daily expenses that your paycheck generally covers.

>> Auto Insurance
If you drive without auto insurance and have an accident, fines will probably be the least of your financial burden. If you, a passenger, or the other driver is injured in the accident, auto insurance will cover the expenses and help guard you against any litigation that might result from the accident. Auto insurance also protects your vehicle against theft, vandalism or a natural disaster, such as a hurricane or other weather-related incidents.

Have an awesome Tuesday!

We are seeing more a lot more options coming up in our lives for a ‘buy now and pay later’ and it makes me weary that a lot of people don’t know enough of these before they sign up and make a commitment to them.

⚠️ Spreading the cost of a big purchase can be useful, but be aware of these dangers:

⚠️ You can easily spend a lot of money without realising, and when it comes time to pay the debt off, you’re going to have to find the money to make the repayments.

⚠️ You’re spending money you don’t have. Ask yourself if you have the money to make all the repayments... If the answer is NO, or I’m going to struggle... it’s another reason to show why you shouldn’t be using it.

⚠️ You’re buying ‘stuff’ just for the sake of it (it’s a want) not a need, if you’re having trouble sorting out your money stuff, you have to make your NEEDS a priority over your WANTS.

⚠️ Banks don’t look favourably at Buy Now Pay Later.

⚠️ Late payments fees and dishonour fees, that soon add up if you are unable to make your payments.

Would you like to get in control of your money? Let's talk!

Is your super enough? How much super will you need for your retirement? 🤔

How much super you need will depend on:

▪️ The lifestyle you want in retirement - According to the Association of Superannuation Funds of Australia (ASFA) a comfortable lifestyle for a couple costs about $60,000 a year and a modest lifestyle costs about $40,000 a year.
▪️ How long you're likely to live - People are generally living longer than previous generations. Retirees can expect to live well into their eighties and this means if you stop working at 65, you're likely to need retirement income for at least 20 years or more. Visit the My Longevity website to explore your life expectancy.
▪️ Your big costs in retirement - Are you planning any major spending after retiring? For example, you do you want to pay off your mortgage, renovate your home, or travel? The more money you spend early in retirement, the less you'll have to live on later.

Planning for your retirement is complex and it's important to get advice from people with specialist knowledge. Let's talk and see how you can maximise your retirement savings.

It's never too early to start thinking about your super. Take steps now to get the retirement lifestyle you want.

IT'S GIVEAWAY TIME AGAIN! 😆 WINTER WARMER EDITION 🥶❄️⛄️

This is your chance to 🌟WIN🌟 a ☕NESPRESSO COFFEE MACHINE!☕ What a way to feel warm and cosy on those chilly mornings 🥶

All you have to do to enter is:

1. Register by completing the Typeform in the comments below.
It's that easy!

Please note: This giveaway is for Brisbane residents ONLY as prize will have to be collected from our Toowong office.

ENTRIES Close: 13/06/2024 at 10:00am!
WINNER Drawn: 13/06/2024 at 3:00pm!

What If Advice + Accounting are holding a free online webinar!

Here we will look to unpack various issues and discuss a number of ways to grow and protect your wealth so you can build a life you want to aspire to. For those who struggle with managing their finances or are just too busy or you are interested in to hear a number of ideas, this might be for you.

We are holding two sessions on Wednesday 1st May, see the graphic below for various times.

Click the links below to register now!

Please reach out if you have any questions.

12PM Session - https://us02web.zoom.us/webinar/register/WN_RcdMsCo7Sia2-d03hThlyg #/registration

7PM Session - https://us02web.zoom.us/webinar/register/WN_H9oXuMeZQwCdEHAT1CeTrQ #/registration

Our lovely winner of the Australia Day Cool Cabana Giveaway! ⛱

Congratulations guys! Hope you enjoy the shade! 😊☀️

"My favourite things in life don't cost any money. It's really clear that the most precious resource we all have is time." – Steve Jobs

We earn money differently, but we all got 24 hours every day, and seven days every week, so plan out your weekend wisely. Happy Friday!

Is your super enough? How much super will you need for your retirement? 🤔

How much super you need will depend on:

▪️ The lifestyle you want in retirement - According to the Association of Superannuation Funds of Australia (ASFA) a comfortable lifestyle for a couple costs about $60,000 a year and a modest lifestyle costs about $40,000 a year.
▪️ How long you're likely to live - People are generally living longer than previous generations. Retirees can expect to live well into their eighties and this means if you stop working at 65, you're likely to need retirement income for at least 20 years or more. Visit the My Longevity website to explore your life expectancy.
▪️ Your big costs in retirement - Are you planning any major spending after retiring? For example, you do you want to pay off your mortgage, renovate your home, or travel? The more money you spend early in retirement, the less you'll have to live on later.

Planning for your retirement is complex and it's important to get advice from people with specialist knowledge. Let's talk and see how you can maximise your retirement savings.

It's never too early to start thinking about your super. Take steps now to get the retirement lifestyle you want.

Setting a goal for yourself when it comes to spending—even if it's as simple as just getting through the month—can help you realize that you are not the hopeless victim of a low paycheck or a high cost of living. 🤷

How well do you exactly know what are you saving for, and when to get it?

💟Valentine's Day Giveaway!💟
Entries Close 12/02/2024

This is your chance to ✨WIN✨ a romantic dinner for two at Brisbane City's Moo Moo Restaurant! A reservation has been made in advance and a $200 gift voucher has been secured! MooMoo wine bar and grill

ENTER NOW! LIKE THIS POST! LIKE OUR PAGE! FILL OUT QUICK SURVEY - LINK BELOW!
https://whatifadvice.typeform.com/to/ter2gMeU

Only buy stocks in markets that you understand

By buying stocks of markets that you don't understand, it would come under the category of speculation. "Timing the market" and "focusing on stock price instead of the price of the business" most likely causes money loss. On the contrary, if you know why you bought the stocks, you would be able to look back and evaluate in hindsight, if the thought process and strategy you used are correct or wrong. That is why investors read books and stay updated.

"Don't let yesterday take up too much of today."
– Will Rogers

Pick up the lessons and move on. Have a marvellous Monday!

✨BACK TO SCHOOL GIVEAWAY WINNER✨

Our lovely little winner of our back to school giveaway collected her prize and has assured us she won’t be sharing with her sister 😂

Stay tuned this afternoon, we will be announcing the winner of our Cool Cabana giveaway!

WE’VE GOT ANOTHER GIVEAWAY FOR YOU! 😊

In honour of the new year and just in time for Australia Day, we’re giving away a COOL CABANA!

All you have to do to enter is:

1. LIKE THIS POST
2. LIKE OUR PAGE
3. TAG 2 PEOPLE IN THE COMMENTS

Please note: This giveaway is for Brisbane residents ONLY as prize will have to be collected from our Toowong office.

ENTRIES Close: 25/01/2024

IT’S GIVEAWAY TIME! 😊 BACK TO SCHOOL EDITION! 📚🎓🍎

*insert Billy Madison singing "back to schoooool" here*

The new school year is nearly upon us and we have some goodies for your little one!

This is your chance to ✨WIN✨ a Back To School Pack! Some of the goodies include: notebooks, pencil case, felt pens, cute sharpeners, earphones, a What If Advise water bottle, an Adviser Games backpack and MORE!

All you have to do to enter is:
1. LIKE THIS POST
2. LIKE OUR PAGE
3. TAG 2 PEOPLE IN THE COMMENTS

Please note: This giveaway is for Brisbane residents ONLY as prize will have to be collected from our Toowong office.

ENTRIES Close: 19/01/2024