LGBTQIA+ inclusive financial advice

Advice tailored for LGBTQIA+ community

If your situation doesn't fit the traditional family mould, you shouldn't have to explain yourself before you can get good advice.

Advice tailored for LGBTQIA+ community

If your situation doesn't fit the traditional family mould, you shouldn't have to explain yourself before you can get good advice.

A judgement-free conversation.

A judgement-free conversation.

A judgement-free conversation.

Advice that reflects your real relationships

Advice that reflects your real relationships

How I Work

Conversation that starts from who you actually are.

How I Work

Conversation that starts from who you actually are.

01

Barrier Free

No assumptions, No awkward explanations.

01

Barrier Free

No assumptions, No awkward explanations.

01

Barrier Free

No assumptions, No awkward explanations.

02

Dignity

Your relationships, your chosen family, your life decisions, with nothing to explain.

02

Dignity

Your relationships, your chosen family, your life decisions, with nothing to explain.

02

Dignity

Your relationships, your chosen family, your life decisions, with nothing to explain.

03

Network

I work alongside specialists who understand the LGBTQIA+ community.

03

Network

I work alongside specialists who understand the LGBTQIA+ community.

03

Network

I work alongside specialists who understand the LGBTQIA+ community.

The Whole Picture

A lot of financial advice is still built around a fairly narrow idea of what a family or a life looks like. Married opposite sex couples. Biological children as default beneficiaries. A straightforward path through super, Centrelink and aged care that assumes a certain kind of family structure around you.

The Whole Picture

A lot of financial advice is still built around a fairly narrow idea of what a family or a life looks like. Married opposite sex couples. Biological children as default beneficiaries. A straightforward path through super, Centrelink and aged care that assumes a certain kind of family structure around you.

Why It Matters

For many people in the LGBTQIA+ community, standard financial planning assumptions don't hold. Super and estate planning need to account for chosen family, not just next of kin by default. Aged care and Centrelink systems can be harder to navigate if your relationships or history don't match what the forms expect.

Why It Matters

For many people in the LGBTQIA+ community, standard financial planning assumptions don't hold. Super and estate planning need to account for chosen family, not just next of kin by default. Aged care and Centrelink systems can be harder to navigate if your relationships or history don't match what the forms expect.

"And costs like gender affirming healthcare rarely show up in a standard budget conversation, even though they're a real part of many people's financial lives."

"And costs like gender affirming healthcare rarely show up in a standard budget conversation, even though they're a real part of many people's financial lives."

"And costs like gender affirming healthcare rarely show up in a standard budget conversation, even though they're a real part of many people's financial lives."

My services

Financial advice that sees the whole picture

My services

Financial advice that sees the whole picture

A judgement free conversation

As a member of the Pride Business Association NSW and having previously been a board member of Trikone Australia, Australia’s pre-eminent South Asian LGBTQIA+ community group, community understanding isn't an add on to how I practice, it's part of it.

A judgement free conversation

As a member of the Pride Business Association NSW and having previously been a board member of Trikone Australia, Australia’s pre-eminent South Asian LGBTQIA+ community group, community understanding isn't an add on to how I practice, it's part of it.

A judgement free conversation

As a member of the Pride Business Association NSW and having previously been a board member of Trikone Australia, Australia’s pre-eminent South Asian LGBTQIA+ community group, community understanding isn't an add on to how I practice, it's part of it.

Advice calibrated to you

Every client gets a different conversation depending on how much financial detail they want and where they're starting from.

Advice calibrated to you

Every client gets a different conversation depending on how much financial detail they want and where they're starting from.

Advice calibrated to you

Every client gets a different conversation depending on how much financial detail they want and where they're starting from.

Your real relationships

Your super beneficiary nominations, estate planning and enduring power of attorney documents should reflect who matters to you, whether that's a partner, a chosen family member, or someone outside the traditional definitions those systems were built around.

Your real relationships

Your super beneficiary nominations, estate planning and enduring power of attorney documents should reflect who matters to you, whether that's a partner, a chosen family member, or someone outside the traditional definitions those systems were built around.

Your real relationships

Your super beneficiary nominations, estate planning and enduring power of attorney documents should reflect who matters to you, whether that's a partner, a chosen family member, or someone outside the traditional definitions those systems were built around.

A referral network that gets it

I work alongside estate planning lawyers, mortgage brokers and aged care specialists who understand the LGBTQIA+ community , so if your situation needs expertise beyond financial advice, you're not left to find it on your own.

A referral network that gets it

I work alongside estate planning lawyers, mortgage brokers and aged care specialists who understand the LGBTQIA+ community , so if your situation needs expertise beyond financial advice, you're not left to find it on your own.

A referral network that gets it

I work alongside estate planning lawyers, mortgage brokers and aged care specialists who understand the LGBTQIA+ community , so if your situation needs expertise beyond financial advice, you're not left to find it on your own.

next step

Book a no obligation conversation with me

There's no cost and for an initial chat, just a chance to see if this is the right fit for you.

next step

Book a no obligation conversation with me

There's no cost and for an initial chat, just a chance to see if this is the right fit for you.

next step

Book a no obligation conversation with me

There's no cost and for an initial chat, just a chance to see if this is the right fit for you.

WARNING: General advice only. Readers are advised to discuss, with an Authorised Representative, the appropriateness of each recommendation, together with the general and specific risks of investing having regard to personal needs, objectives and financial circumstances. All Rights Reserved. Aadil Abbas Lakdawalla (Authorised Representative No. 1300922) and Third Horizon Advice Pty Ltd, ABN 87 664 610 459, ACN 664 610 459 (Corporate Authorised Representative No. 1320130), are Authorised Representatives of PGW Financial Services Pty Ltd, ABN 15 123 835 441, AFSL 384713

© 2026 Third Horizon Advice

WARNING: General advice only. Readers are advised to discuss, with an Authorised Representative, the appropriateness of each recommendation, together with the general and specific risks of investing having regard to personal needs, objectives and financial circumstances. All Rights Reserved. Aadil Abbas Lakdawalla (Authorised Representative No. 1300922) and Third Horizon Advice Pty Ltd, ABN 87 664 610 459, ACN 664 610 459 (Corporate Authorised Representative No. 1320130), are Authorised Representatives of PGW Financial Services Pty Ltd, ABN 15 123 835 441, AFSL 384713

© 2026 Third Horizon Advice

WARNING: General advice only. Readers are advised to discuss, with an Authorised Representative, the appropriateness of each recommendation, together with the general and specific risks of investing having regard to personal needs, objectives and financial circumstances. All Rights Reserved. Aadil Abbas Lakdawalla (Authorised Representative No. 1300922) and Third Horizon Advice Pty Ltd, ABN 87 664 610 459, ACN 664 610 459 (Corporate Authorised Representative No. 1320130), are Authorised Representatives of PGW Financial Services Pty Ltd, ABN 15 123 835 441, AFSL 384713

© 2026 Third Horizon Advice