Clear guidance.
Confident decisions.
Better outcomes.

We help individuals and families simplify their financial lives and build a plan that supports the future they want.

4.9/5
27 Google reviews
Norman Howe
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G

“Norman has advised our family for over 20 years. His planning is structured, practical, and gives us confidence at each stage of life.”

★★★★★
R&
Ruth & Dan M.

How We Help You

Strategic Advice for Every Stage of Life

  • Business & Asset Finance

    Strategic finance solutions to support business growth, operational flexibility, and long-term wealth creation.

    Equipment and asset finance

    Commercial vehicle finance

    Business lending and expansion funding

    laptop-computer-on-glass-top-table - carlos-muza (unsplash)./pho
  • Residential & Investment Lending

    Strategic lending advice designed to support property ownership, investment growth, and long-term wealth creation.

    Residential home loans

    Investment property lending

    Refinancing and loan restructuring

    Services Image
  • Financial Planning & Wealth-Life Strategy

    Wealth-life planning designed to clarify and align your finances with the life you want to live now, and into the future.

    Wealth-life planning

    Strategic cash flow management

    Retirement planning

    Services Image
  • Personal & Business Insurance

    Strategic protection solutions designed to safeguard your lifestyle, family, business, and long-term financial future.

    Life insurance strategies

    Income protection insurance

    Trauma and critical illness cover

    building,-architecture,-office,-structure,-glass,-office-building,-urban,-modern - david_underland (pixabay)
  • SMSF Experts

    High-level SMSF strategies designed to provide greater control, flexibility, and long-term wealth management opportunities.

    SMSF establishment guidance

    Strategic SMSF structuring

    SMSF investment strategies

    white-printer-paper - northfolk (unsplash)./pho
  • Investing, Super & Wealth Creation

    Sophisticated investment and superannuation strategies designed to grow, structure, and sustain long-term wealth.

    Investment strategy development

    Portfolio construction, and diversification

    Superannuation planning

    gamestop,-stock,-chart,-gme,-wallstreetbets,-graph,-finance,-trading,-business,- - sergeitokmakov (pixabay)
  • Business & Asset Finance

    Strategic finance solutions to support business growth, operational flexibility, and long-term wealth creation.

    Equipment and asset finance

    Commercial vehicle finance

    Business lending and expansion funding

    laptop-computer-on-glass-top-table - carlos-muza (unsplash)./pho
  • Residential & Investment Lending

    Strategic lending advice designed to support property ownership, investment growth, and long-term wealth creation.

    Residential home loans

    Investment property lending

    Refinancing and loan restructuring

    Services Image
  • Financial Planning & Wealth-Life Strategy

    Wealth-life planning designed to clarify and align your finances with the life you want to live now, and into the future.

    Wealth-life planning

    Strategic cash flow management

    Retirement planning

    Services Image
  • Personal & Business Insurance

    Strategic protection solutions designed to safeguard your lifestyle, family, business, and long-term financial future.

    Life insurance strategies

    Income protection insurance

    Trauma and critical illness cover

    building,-architecture,-office,-structure,-glass,-office-building,-urban,-modern - david_underland (pixabay)
  • SMSF Experts

    High-level SMSF strategies designed to provide greater control, flexibility, and long-term wealth management opportunities.

    SMSF establishment guidance

    Strategic SMSF structuring

    SMSF investment strategies

    white-printer-paper - northfolk (unsplash)./pho
  • Investing, Super & Wealth Creation

    Sophisticated investment and superannuation strategies designed to grow, structure, and sustain long-term wealth.

    Investment strategy development

    Portfolio construction, and diversification

    Superannuation planning

    gamestop,-stock,-chart,-gme,-wallstreetbets,-graph,-finance,-trading,-business,- - sergeitokmakov (pixabay)
  • Business & Asset Finance

    Strategic finance solutions to support business growth, operational flexibility, and long-term wealth creation.

    Equipment and asset finance

    Commercial vehicle finance

    Business lending and expansion funding

    laptop-computer-on-glass-top-table - carlos-muza (unsplash)./pho
  • Residential & Investment Lending

    Strategic lending advice designed to support property ownership, investment growth, and long-term wealth creation.

    Residential home loans

    Investment property lending

    Refinancing and loan restructuring

    Services Image
  • Financial Planning & Wealth-Life Strategy

    Wealth-life planning designed to clarify and align your finances with the life you want to live now, and into the future.

    Wealth-life planning

    Strategic cash flow management

    Retirement planning

    Services Image
  • Personal & Business Insurance

    Strategic protection solutions designed to safeguard your lifestyle, family, business, and long-term financial future.

    Life insurance strategies

    Income protection insurance

    Trauma and critical illness cover

    building,-architecture,-office,-structure,-glass,-office-building,-urban,-modern - david_underland (pixabay)
  • SMSF Experts

    High-level SMSF strategies designed to provide greater control, flexibility, and long-term wealth management opportunities.

    SMSF establishment guidance

    Strategic SMSF structuring

    SMSF investment strategies

    white-printer-paper - northfolk (unsplash)./pho
  • Investing, Super & Wealth Creation

    Sophisticated investment and superannuation strategies designed to grow, structure, and sustain long-term wealth.

    Investment strategy development

    Portfolio construction, and diversification

    Superannuation planning

    gamestop,-stock,-chart,-gme,-wallstreetbets,-graph,-finance,-trading,-business,- - sergeitokmakov (pixabay)
Norman Howe Sitting
Norman Howe Sitting

About Strat X Advisory

Thoughtful Advice Backed by Experience

For more than 30 years, Strat X Advisory has helped individuals, families, and business owners make clear, confident financial decisions. We take a tailored, relationship-first approach and support clients with practical guidance across planning, lending, and long-term wealth strategy.

About Strat X Advisory

Thoughtful Advice Backed by Experience

For more than 30 years, Strat X Advisory has helped individuals, families, and business owners make clear, confident financial decisions. We take a tailored, relationship-first approach and support clients with practical guidance across planning, lending, and long-term wealth strategy.

Why Clients Choose Strat X Advisory

Trusted Guidance Built on Long-Term Relationships

95%

95%

Client satisfaction rate

26+

26+

Years of advisory experience

AvalonFS2017
AvalonFS2019

2017 and 2019 Advisor of the Year

Statistic Image

98+

98+

Families and businesses supported

90%

90%

Commitment to accuracy & compliance

Financial Image

95%

95%

Client satisfaction rate

26+

26+

Years of advisory experience

AvalonFS2017
AvalonFS2019

2017 and 2019 Advisor of the Year

Statistic Image

0+

0+

Families and businesses supported

0%

0%

Commitment to accuracy & compliance

Case Studies

Client Outcomes Across Life and Business

See how Strat X Advisory helps clients simplify complexity, strengthen their financial position, and move forward with confidence.

Retirement Planning

Property and Super

Couple walking along a coastal path

A carefully timed retirement strategy helped a couple turn property-sale proceeds into a sustainable income plan.

Tax-effective super contributions

Tax-free retirement pensions

Confidence for the next chapter

Retirement Planning

Property and Super

Couple walking along a coastal path

A carefully timed retirement strategy helped a couple turn property-sale proceeds into a sustainable income plan.

Tax-effective super contributions

Tax-free retirement pensions

Confidence for the next chapter

Retirement Planning

Property and Super

Couple walking along a coastal path

A carefully timed retirement strategy helped a couple turn property-sale proceeds into a sustainable income plan.

Tax-effective super contributions

Tax-free retirement pensions

Confidence for the next chapter

Financial Advisory

Lending Restructure

young-couple-consulting-with-a-financial-advisor-using-a-calculator-and-document

A lending restructure that gave business owners a clear path to retirement.

Loans restructured

Interest costs reduced

A clear path to retirement within five years

Financial Advisory

Lending Restructure

young-couple-consulting-with-a-financial-advisor-using-a-calculator-and-document

A lending restructure that gave business owners a clear path to retirement.

Loans restructured

Interest costs reduced

A clear path to retirement within five years

Financial Advisory

Lending Restructure

young-couple-consulting-with-a-financial-advisor-using-a-calculator-and-document

A lending restructure that gave business owners a clear path to retirement.

Loans restructured

Interest costs reduced

A clear path to retirement within five years

Personal Insurance

Family Protection

Warm, sunlit family home

A comprehensive protection plan helped a young family remain financially secure through cancer treatment and recovery.

Income protection during treatment

Tax-free trauma insurance payment

Financial stability for the family

Personal Insurance

Family Protection

Warm, sunlit family home

A comprehensive protection plan helped a young family remain financially secure through cancer treatment and recovery.

Income protection during treatment

Tax-free trauma insurance payment

Financial stability for the family

Personal Insurance

Family Protection

Warm, sunlit family home

A comprehensive protection plan helped a young family remain financially secure through cancer treatment and recovery.

Income protection during treatment

Tax-free trauma insurance payment

Financial stability for the family

Seen on Our Socials

Follow @stratxadvisory

The information in these videos is general in nature and does not take into account your personal objectives, financial situation or needs. Consider whether it is appropriate for you and seek personal advice before acting.

FAQs

Your Questions, Answered

Everything you need to know about working with Strat X Advisory, our services, and how we support your long-term financial strategy.

What services does Strat X Advisory provide?
Who do you work with?
Do you help with property and lending strategy?
How do I get started with Strat X Advisory?
Is the information on this website personal financial advice?
Where can I access your Financial Services Guide and Credit Guide?
Who is Norman Howe?
Do you help with superannuation and SMSFs?
Where is Strat X Advisory located?
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Build a Clearer Financial Future

If you are ready for practical, strategic advice tailored to your goals, talk with Strat X Advisory and take the next step with confidence.