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About Strat X Advisory

Financial advice that fits you

Strat X Advisory is independent financial advice on the Northern Beaches. Norman Howe works with families and business owners on insurance, investments, super and lending, and keeps the conversation practical from the first meeting.

About Strat X Advisory

Financial advice that fits you

Strat X Advisory is independent financial advice on the Northern Beaches. Norman Howe works with families and business owners on insurance, investments, super and lending, and keeps the conversation practical from the first meeting.

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Who we are Image

Our story

Who we are

Strat X Advisory is led by Norman Howe. We work with individuals, families, SMSF trustees and business owners who want the plan explained properly. That usually means insurance, building wealth, tax planning where it counts, home loans and business lending. When life shifts, we adjust the plan with you.

Our story

Who we are

Strat X Advisory is led by Norman Howe. We work with individuals, families, SMSF trustees and business owners who want the plan explained properly. That usually means insurance, building wealth, tax planning where it counts, home loans and business lending. When life shifts, we adjust the plan with you.

Our approach

How we work with you

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Personalised strategy

We do not shuffle everyone into the same template. Your advice should match your family, your business, your SMSF if you have one, and what you want over the next few years.

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Long-term partnership

Most people stay because we are easy to reach and we follow through. You get straight answers on lending, protection and wealth, not a brochure that sits in a drawer.

Super and retirement

If super is a big part of your life, we help SMSF owners keep the strategy sensible and the paperwork under control, whether you are still contributing or drawing down.

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Explanation

If something is confusing, we slow down and explain it until it makes sense. You should know why a recommendation is on the table.

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Trust and discretion

Your affairs stay private. We are careful with paperwork and personal details, the same way you would expect from any professional advice practice.

Lending and property

For refinancing or a property purchase, we walk through the loan side next to tax, cash flow and the rest of the plan, so one decision does not undo another.

Our purpose

We help you build and protect wealth with sensible plans and honest guidance, and we keep the work focused on what you said matters.

Testimonials

What Our Clients Say

Testimonials

What Our Clients Say

Testimonials

What Our Clients Say

  • When our accountant introduced us to Norman more than 20 years ago, the timing was perfect. His expertise has guided us at every step in retirement.

    Ruth Moalem

    Google Review

  • Norman calmly guided us through a challenging financial period. His knowledge and encouragement gave us confidence to follow his advice. Thank you, Norman and your team.

    Jodie White

    Google Review

  • Norman turned our investment property lending from a cumbersome structure into finance that works for our portfolio, not only for the lender.

    Len Hodgkins

    Google Review

  • If you are looking for an adviser, Norman and the team are the ones. Friendly service from start to finish, and only a phone call away when you have questions.

    Adrian Malone

    Google Review

  • A very efficient and thorough review of my situation, with clear, practical advice to match. Highly recommend.

    Warwick Prowse

    Google Review

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Get in touch

Let’s talk about you

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

Contact us

Contact us