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Here When you need us.

When Financial Solutions, servicing Lake Macquarie, Newcastle, Port Stephens, Maitland and Cessnock. We are not tied to any bank, super fund or financial institution, and can therefore provide expert advice with the ability to choose from a wide range of investment and life insurance products to meet your individual needs.


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When, can I begin my journey?

Well, it’s simple really. The sooner you start planning, the better.

Research shows that people who have an active relationship with a professional financial planner are demonstrably better off. They retire with more, they can spend more, and they’re more likely to actually do the things that they most want to do in their retirement years. 

But there are benefits beyond the money. People who access financial advice have more confidence. Confidence to retire when they want to. Confidence to spend today, knowing that they’re being responsible for the future. And the confidence to take action and make the most of opportunities.

We suggest setting up an initial meeting with When Financial Solutions now.

The first meeting is free with no obligation and allows us to get to understand what is important to you. We can explore your options and you can tell us how you wish to engage with us.

Who are When Financial Solutions?

Our purpose at When Financial Solutions, is helping people make informed decisions, to have the confidence to spend money, and ensuring that their retirement plans are sustainable.

When you make informed decisions, you make better financial decisions. That positively impacts not just your life, but your family’s life, as well as your entire community.

We give you confidence to make the bold life decisions and achieve what’s most important to you. When you partner with When Financial Solutions, it’s not a matter of ‘if’ you will achieve your goals, but when you will achieve your goals.

What to ask a Financial Planner?

Choosing a financial planner is one of the most important financial decisions you can make. 

It’s taken you a lifetime to save up your nest egg, so it’s important you choose a planner who respects the decisions you’ve made in the past and understands what’s important for you now and in the future. The reality is not all financial planners are the same

Not all of them are degree-qualified and most of them work in complex institutions where they’re required to think more about serving their employer than serving their clients.

That’s why when you choose a financial planner, it's important to ask the right questions.

Here are five questions we think you should start with:

  • What’s your education and experience?
  • How are you paid?
  • Are there any products you are aligned with that will bias the advice you provide to me?
  • Do you specialise in any particular types of clients or areas of advice?
  • Are there any limitations to the advice you can provide?

How are you paid?

At When Financial Solutions we are professionals who are paid only by our clients and only for the advice we give. There are no hidden agendas. We are a transparent fee-for-service financial planning business with no commissions, asset-based fees, or any other payments related to product sales.

Our first appointment is cost and obligation-free. We will determine an appropriate fee once we understand your advice needs and service preferences. This will be before you make any commitment. There are no surprises. Our service offer will be clear and the associated fees fixed.  We are an advocate for greater fee transparency and integrity across the broader profession.

If you decide to engage with us we will provide recommendations in a Statement of Advice

More FAQs

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When Newcastle

When Financial Solutions are local to Lake Macquarie and deliver independent financial planning across Newcastle, Port Stephens, Maitland and Cessnock.


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