Financial stress
can lower your IQ by 13 points.*

(That’s the same effect as a moderate brain injury.)

Honest Advice exists to help Australians grow their wealth efficiently, safely, and effectively.

More than just the process of building wealth, however, we also help our clients remove anxiety about money and build confidence for the long term.

We can assist with all of the tools that lead to this - investments, insurance, estate planning, and more. We have special expertise in helping ex-pats from the UK to transfer their pension to Australia.

Financial concerns are the leading cause of divorce, anxiety, stress and more…

If you’ve ever wished for more peace of mind around money, to finally be debt-free, or to be able to enjoy your wealth instead of worrying – you’re not alone.

The looming fears of losing income, an unexpected event, and not being able to retire are all too familiar.

You don’t have the knowledge or experience to handle things on your own – and most importantly, you don’t have a trusted source to turn to for advice.

You’re on your own.

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Problem Image

Imagine erasing financial worry from your life once and for all

What would it be like to finally have the peace of mind you’ve been craving, the security you deserve, and total confidence in your situation?

Imagine being able to once again enjoy family time without a dark cloud of money worries following you.

What would it feel like to know that your future is secure? To know that you’re prepared for anything that could happen?

We’re helping Australians like you gain financial confidence and exceed their wealth building goals.

More than just another faceless firm, we take pride in forming real connections with each and every client.
Here’s how our process works:

Step 1


When you’re ready, one of our advisers will become your personal contact through a 15-minute meet and greet. This is your opportunity to get to know your adviser, and make sure you’re both on the same page before continuing.

Step 2


Once you’ve met your adviser in Step 1, the next phase is a complimentary 90-minute meeting with your adviser. The purpose of this meeting is to determine where you’re currently at, what your goals are, and what areas you need the most help with.

Step 3


This phase is where everything starts to come together. After your meeting in Step 2, your adviser will create a high-level strategic plan to get you to your goals. You’ll discover your unique financial strategy, and what results you can expect in the future. The strategy phase is fully refundable should you decide not to move forward.

Step 4


This is the phase where things really start to get exciting. We’ll implement your plan from Step 3, taking care of everything for you. Any necessary meetings with other professionals, financial implementation, and other pieces of the plan will all be implemented for you.

Step 5


This final phase is ongoing. We’ll continue to implement your plan for you, with quarterly check-ins to answer your questions and provide updates. You can also reach out to your adviser at any time for prompt answers to any of your questions. Your unique financial plan can also evolve over time - your adviser will be with you every step of the way.

What’s Next…

Investment Updates

All of our clients receive weekly email updates about world events that could impact your investments. This frequent commentary will show you how we're taking advantage of the changing financial landscape, our projections for the market, and more. You’ll never be in the dark about how your money is being managed.

Nicole Niu

Owner of Honest Advice

I used to work in the investment banking industry. However, after a period of time I became somewhat disillusioned with the industry - and I wanted to make a more direct difference for individuals suffering from the stress and worry so often associated with finances.

This led me to become a personal financial adviser - applying my expertise in a way that directly impacted individuals and their families.

I love helping people let go of their anxiety and bring peace to their lives - it all starts with good financial decisions.

I hope you will join me and my team on our mission to make the world a more peaceful, happier place.

Discover your Financial IQ and what it means for your future.

Take our short, 5-question quiz to discover how your Financial IQ will impact your future…

Discover how to be prepared financially for any unexpected events that life can throw at you

Spot the hidden “money traps” that are destroying your financial security

Learn how to improve your monthly cash flow without getting a raise

In 10 years, a $1000 savings account with a 2% annual interest will have:


A house worth $1,000,000 with an $800,000 mortgage is:


How do you think the age pension from the government will change over time:


Insurance is:


In one year, the value of a savings account with 1.5% annual interest and a 3% inflation rate will:

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Guest publication in “Ask an Adviser” May 2020 edition

I get asked to write for Adviser Ratings in the “Ask an Adviser” section from to time to time, where anyone can ask a question and I will be answering them. This one was a question asked by a Kate from Fremantle about the positives of a pandemic. The original article was published here. As […]

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Guest publication in “Ask an Adviser” Apr 2019 edition

I get asked to write for Adviser Ratings in the “Ask an Adviser” section from to time to time, where anyone can ask a question and I will be answering them. This one was a question asked by a Toby from Sydney about the Barefoot Investor (ah~ another one!). The original article was published here. […]