A different kind of financial planner
A different kind of financial planner
A different kind of financial planner
Life is not lived on a spreadsheet
Before I ever talk strategy or numbers, I want to understand who you are, what you are trying to build, what keeps you up at night and what a good life looks like to you. Everything else follows from that.
Life is not lived on a spreadsheet
Before I ever talk strategy or numbers, I want to understand who you are, what you are trying to build, what keeps you up at night and what a good life looks like to you. Everything else follows from that.
My Committment
I work with a limited number of clients any point of time by design. That is how I ensure every client gets the depth of thinking and attention their situation deserves.
My Committment
I work with a limited number of clients any point of time by design. That is how I ensure every client gets the depth of thinking and attention their situation deserves.
My Philosophy
Financial decisions do not happen in isolation. They are shaped by relationships, values, fears, hopes and the life you are trying to build. A financial plan that ignores any of those things is an incomplete plan.
My Philosophy
Financial decisions do not happen in isolation. They are shaped by relationships, values, fears, hopes and the life you are trying to build. A financial plan that ignores any of those things is an incomplete plan.
How I work
Good financial advice starts with a conversation about your life
How I work
Good financial advice starts with a conversation about your life
01
Understanding You
No forms, no jargon, no agenda. I want to understand the life you are trying to build for you, your family and your loved ones. Get to know your goals, values, hopes and fears.
01
Understanding You
No forms, no jargon, no agenda. I want to understand the life you are trying to build for you, your family and your loved ones. Get to know your goals, values, hopes and fears.
01
Understanding You
No forms, no jargon, no agenda. I want to understand the life you are trying to build for you, your family and your loved ones. Get to know your goals, values, hopes and fears.
02
Building Your Strategy
Every strategy is built from scratch. I work through three key questions: Does it align to your goals? Is it simple enough to comprehend? Can you stick to it consistently?
02
Building Your Strategy
Every strategy is built from scratch. I work through three key questions: Does it align to your goals? Is it simple enough to comprehend? Can you stick to it consistently?
02
Building Your Strategy
Every strategy is built from scratch. I work through three key questions: Does it align to your goals? Is it simple enough to comprehend? Can you stick to it consistently?
03
Taking Action
I support you to implement agreed strategies and set up the structure to align your money decisions with your life decisions.
03
Taking Action
I support you to implement agreed strategies and set up the structure to align your money decisions with your life decisions.
03
Taking Action
I support you to implement agreed strategies and set up the structure to align your money decisions with your life decisions.
04
Review
Life happens whilst we busy making plans. So we meet regularly to adapt strategies as your life evolves.
04
Review
Life happens whilst we busy making plans. So we meet regularly to adapt strategies as your life evolves.
04
Review
Life happens whilst we busy making plans. So we meet regularly to adapt strategies as your life evolves.
Crediblity
Crediblity
I am a licensed financial adviser (AR – 1300922), qualified Chartered Accountant (CA ANZ) and an accredited Aged Care Adviser.
I am a licensed financial adviser (AR – 1300922), qualified Chartered Accountant (CA ANZ) and an accredited Aged Care Adviser.
My role is to be the custodian of your financial strategy. Over time, we build and coordinate a network of trusted professionals around you - Mortgage Broker, Accountant, Estate Planning Lawyer, Downsizing Consultant, Insurance Broker, Aged Care Placement Consultant and other specialists as your life requires them.
My role is to be the custodian of your financial strategy. Over time, we build and coordinate a network of trusted professionals around you - Mortgage Broker, Accountant, Estate Planning Lawyer, Downsizing Consultant, Insurance Broker, Aged Care Placement Consultant and other specialists as your life requires them.
My Services
A financial plan built around your life
My Services
A financial plan built around your life
Foundations
Understanding where your money goes is the foundation of everything else.
•
Goals/Values
•
Career/Business Strategy
•
Banking Structure
•
Cashflow/Budgeting
Foundations
Understanding where your money goes is the foundation of everything else.
•
Goals/Values
•
Career/Business Strategy
•
Banking Structure
•
Cashflow/Budgeting
Building Blocks
Building a financial plan is not about picking investments, it's aligning money and life decisions
•
Asset Accumulation
•
Debt Management
•
Tax Planning
•
Consistent Implementation
Building Blocks
Building a financial plan is not about picking investments, it's aligning money and life decisions
•
Asset Accumulation
•
Debt Management
•
Tax Planning
•
Consistent Implementation
Risk Management
The cornerstone of financial freedom is identifying the risks that could derail your life.
•
Health
•
Insurance
•
Estate Planning
•
Aged Care Advice
Risk Management
The cornerstone of financial freedom is identifying the risks that could derail your life.
•
Health
•
Insurance
•
Estate Planning
•
Aged Care Advice
real lives, real clarity
Client Reviews
real lives, real clarity
Client Reviews
5.00
October 2026
Caroline, 46 - 55 years, Matraville, NSW
Clear communication
Knowledge & expertise
Customer care
Likely to recommend
01 / 05
Aadil has provided exceptional advice to refine my financial strategy for now to reduce tax and ensure I have adequate insurances and for retirement and estate planning to help me reach my financial goals that I needed direction with. I’m starting to feel proactive and confident about the strategy and thank Aadil greatly for the support and getting me back on track.
Areas of advice:
Superannuation
Insurance Protection
Property Investment
Cashflow & Income
Tax Strategies
Growing Assets
Wills & Estates
Budgeting
5.00
October 2026
Juan, 46 - 55 years, Como, NSW
Clear communication
Knowledge & expertise
Customer care
Likely to recommend
02 / 05
We couldn’t be happier with the advice and guidance we have received from Aadil. From the very beginning, he took a genuinely holistic approach to our financial situation. Rather than simply looking at numbers and investments, he first took the time to understand our values, priorities, goals, risk appetite and what we ultimately wanted our financial future to look like. Aadil then structured a comprehensive financial plan around those goals, covering everything from our property portfolio and superannuation to retirement planning, insurance, investments and the broader management of our finances.
Areas of advice:
Superannuation
Insurance Protection
Property Investment
Cashflow & Income
Tax Strategies
Growing Assets
Wills & Estates
Budgeting
5.00
October 2026
Ann, 65+ years, Preston, VIC
Clear communication
Knowledge & expertise
Customer care
Likely to recommend
03 / 05
Aadil is very responsive to any questions or issues. He’s patient and explains complex issues clearly demonstrating his thorough knowledge and understanding of his field. It’s a pleasure working with him.
Areas of advice:
Government Assistance
Retirement & Pension
Self Managed SuperFunds
Aged Care
Cashflow & Income
5.00
October 2026
Prue, 46 - 55 years, Ivanhoe, VIC
Clear communication
Knowledge & expertise
Customer care
Likely to recommend
04 / 05
Aadil has been working with me and my partner for the last 9months on our financial plan both now and into retirement. At all times, I have found Aadil's approach to be open, considered and professional. He is an exceptional listener, has adapted our plan to meet our long term financial goals, and is always receptive to feedback. Additionally, Aadil has the confidence to push our boundaries, in a respectful way, and enable us to see options for wealth building that I had not ever thought of. He is innovative but conservative, professional and always personable, and I have enjoyed our working relationship to date. I look forward to working in partnership with Aadil for years to come and would not hesitate to recommend him.
Areas of advice:
Superannuation
Managing Debt
Retirement & Pension
Shares & Investments
Property Investment
Cashflow & Income
5.00
October 2026
Vicki, 56 - 65 years, Frankston, VIC
Clear communication
Knowledge & expertise
Customer care
Likely to recommend
05 / 05
I have now engaged Aadil as my financial adviser for the past 6 months and the experience has been life-changing on many levels. I had some experience of another financial advisor in the family for over 20 years and the contrast is striking. Apart from his experience and knowledge of the industry, Aadil has a rare combination of qualities which sets him apart. His skill and integrity in guiding me around small and large financial decisions, his ability to keep me on track, reminding me of the larger picture has helped me feel more confident about the future. He is generous with his time, has been very available to answer my questions or concerns even outside formal appointments whenever I have needed, always explains things thoroughly and makes sure that I understand. His communication around money is respectful, humane, kind and wise.
Areas of advice:
Superannuation
Managing Debt
Retirement & Pension
Cashflow & Income
Budgeting
5.00
October 2026
Caroline, 46 - 55 years, Matraville, NSW
Clear communication
Knowledge & expertise
Customer care
Likely to recommend
01 / 05
Aadil has provided exceptional advice to refine my financial strategy for now to reduce tax and ensure I have adequate insurances and for retirement and estate planning to help me reach my financial goals that I needed direction with. I’m starting to feel proactive and confident about the strategy and thank Aadil greatly for the support and getting me back on track.
Areas of advice:
Superannuation
Insurance Protection
Property Investment
Cashflow & Income
Tax Strategies
Growing Assets
Wills & Estates
Budgeting
5.00
October 2026
Juan, 46 - 55 years, Como, NSW
Clear communication
Knowledge & expertise
Customer care
Likely to recommend
02 / 05
We couldn’t be happier with the advice and guidance we have received from Aadil. From the very beginning, he took a genuinely holistic approach to our financial situation. Rather than simply looking at numbers and investments, he first took the time to understand our values, priorities, goals, risk appetite and what we ultimately wanted our financial future to look like. Aadil then structured a comprehensive financial plan around those goals, covering everything from our property portfolio and superannuation to retirement planning, insurance, investments and the broader management of our finances.
Areas of advice:
Superannuation
Insurance Protection
Property Investment
Cashflow & Income
Tax Strategies
Growing Assets
Wills & Estates
Budgeting
5.00
October 2026
Ann, 65+ years, Preston, VIC
Clear communication
Knowledge & expertise
Customer care
Likely to recommend
03 / 05
Aadil is very responsive to any questions or issues. He’s patient and explains complex issues clearly demonstrating his thorough knowledge and understanding of his field. It’s a pleasure working with him.
Areas of advice:
Government Assistance
Retirement & Pension
Self Managed SuperFunds
Aged Care
Cashflow & Income
5.00
October 2026
Prue, 46 - 55 years, Ivanhoe, VIC
Clear communication
Knowledge & expertise
Customer care
Likely to recommend
04 / 05
Aadil has been working with me and my partner for the last 9months on our financial plan both now and into retirement. At all times, I have found Aadil's approach to be open, considered and professional. He is an exceptional listener, has adapted our plan to meet our long term financial goals, and is always receptive to feedback. Additionally, Aadil has the confidence to push our boundaries, in a respectful way, and enable us to see options for wealth building that I had not ever thought of. He is innovative but conservative, professional and always personable, and I have enjoyed our working relationship to date. I look forward to working in partnership with Aadil for years to come and would not hesitate to recommend him.
Areas of advice:
Superannuation
Managing Debt
Retirement & Pension
Shares & Investments
Property Investment
Cashflow & Income
5.00
October 2026
Vicki, 56 - 65 years, Frankston, VIC
Clear communication
Knowledge & expertise
Customer care
Likely to recommend
05 / 05
I have now engaged Aadil as my financial adviser for the past 6 months and the experience has been life-changing on many levels. I had some experience of another financial advisor in the family for over 20 years and the contrast is striking. Apart from his experience and knowledge of the industry, Aadil has a rare combination of qualities which sets him apart. His skill and integrity in guiding me around small and large financial decisions, his ability to keep me on track, reminding me of the larger picture has helped me feel more confident about the future. He is generous with his time, has been very available to answer my questions or concerns even outside formal appointments whenever I have needed, always explains things thoroughly and makes sure that I understand. His communication around money is respectful, humane, kind and wise.
Areas of advice:
Superannuation
Managing Debt
Retirement & Pension
Cashflow & Income
Budgeting
5.00
October 2026
Caroline, 46 - 55 years, Matraville, NSW
01 / 05
Aadil has provided exceptional advice to refine my financial strategy for now to reduce tax and ensure I have adequate insurances and for retirement and estate planning to help me reach my financial goals that I needed direction with. I’m starting to feel proactive and confident about the strategy and thank Aadil greatly for the support and getting me back on track.
Areas of advice:
Superannuation
Insurance Protection
Property Investment
Cashflow & Income
Tax Strategies
Growing Assets
Wills & Estates
Budgeting
Clear communication
Knowledge & expertise
Customer care
Likely to recommend
5.00
October 2026
Juan, 46 - 55 years, Como, NSW
02 / 05
We couldn’t be happier with the advice and guidance we have received from Aadil. From the very beginning, he took a genuinely holistic approach to our financial situation. Rather than simply looking at numbers and investments, he first took the time to understand our values, priorities, goals, risk appetite and what we ultimately wanted our financial future to look like. Aadil then structured a comprehensive financial plan around those goals, covering everything from our property portfolio and superannuation to retirement planning, insurance, investments and the broader management of our finances.
Areas of advice:
Superannuation
Insurance Protection
Property Investment
Cashflow & Income
Tax Strategies
Growing Assets
Wills & Estates
Budgeting
Clear communication
Knowledge & expertise
Customer care
Likely to recommend
5.00
October 2026
Ann, 65+ years, Preston, VIC
03 / 05
Aadil is very responsive to any questions or issues. He’s patient and explains complex issues clearly demonstrating his thorough knowledge and understanding of his field. It’s a pleasure working with him.
Areas of advice:
Government Assistance
Retirement & Pension
Self Managed SuperFunds
Aged Care
Cashflow & Income
Clear communication
Knowledge & expertise
Customer care
Likely to recommend
5.00
October 2026
Prue, 46 - 55 years, Ivanhoe, VIC
04 / 05
Aadil has been working with me and my partner for the last 9months on our financial plan both now and into retirement. At all times, I have found Aadil's approach to be open, considered and professional. He is an exceptional listener, has adapted our plan to meet our long term financial goals, and is always receptive to feedback. Additionally, Aadil has the confidence to push our boundaries, in a respectful way, and enable us to see options for wealth building that I had not ever thought of. He is innovative but conservative, professional and always personable, and I have enjoyed our working relationship to date. I look forward to working in partnership with Aadil for years to come and would not hesitate to recommend him.
Areas of advice:
Superannuation
Managing Debt
Retirement & Pension
Shares & Investments
Property Investment
Cashflow & Income
Clear communication
Knowledge & expertise
Customer care
Likely to recommend
5.00
October 2026
Vicki, 56 - 65 years, Frankston, VIC
05 / 05
I have now engaged Aadil as my financial adviser for the past 6 months and the experience has been life-changing on many levels. I had some experience of another financial advisor in the family for over 20 years and the contrast is striking. Apart from his experience and knowledge of the industry, Aadil has a rare combination of qualities which sets him apart. His skill and integrity in guiding me around small and large financial decisions, his ability to keep me on track, reminding me of the larger picture has helped me feel more confident about the future. He is generous with his time, has been very available to answer my questions or concerns even outside formal appointments whenever I have needed, always explains things thoroughly and makes sure that I understand. His communication around money is respectful, humane, kind and wise.
Areas of advice:
Superannuation
Managing Debt
Retirement & Pension
Cashflow & Income
Budgeting
Clear communication
Knowledge & expertise
Customer care
Likely to recommend
Common Questions
Everything you need to know before we talk.
Common Questions
Everything you need to know before we talk.
Our first conversation
No forms, no jargon, no agenda. This is a genuine conversation about your life, your goals and what you are hoping financial advice can do for you. I want to understand your situation before I start thinking about solutions.
Understanding Your Whole Picture
We go deep. Income, assets, debts, tax position, super, insurance, family obligations and life goals. I also want to understand your relationship with money, your risk appetite and how financially confident you feel day to day. I calibrate how I work with you based on what you tell me here.
Building Your Strategy
Every strategy at Third Horizon Advice is built from scratch. I work through three key questions before finalizing any recommendation: Do the strategies align to your goals across different time horizons? Is the strategy simple enough to understand without being oversimplified? Can you stick to the proposed strategies consistently?
Presenting Your Plan
I present your plan in plain English. No unnecessary jargon. You will always understand what we are doing, why we are doing it and what we are not doing. If something does not make sense, we keep talking until it does.
Implementing and Reviewing
A financial plan is not a document you file away. Life changes and your plan needs to change with it. We review your strategy regularly and stay in contact when things happen in your life that might affect your financial position.
meet your adviser
All aspects of your financial life looked after
Every good conversation starts with curiosity. Book a no-obligation introductory call and let us find out if we are the right fit for each other.
meet your adviser
All aspects of your financial life looked after
Every good conversation starts with curiosity. Book a no-obligation introductory call and let us find out if we are the right fit for each other.
meet your adviser
All aspects of your financial life looked after
Every good conversation starts with curiosity. Book a no-obligation introductory call and let us find out if we are the right fit for each other.