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

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.