Helping you fund and achieve the things that matter most — at every stage of your life. Personal, considered financial advice from a team that takes the time to understand your goals, not just your numbers.
Retirement is one of life's most significant milestones — and getting there with confidence takes more than good intentions. Funding What Matters helps you build a plan that supports the lifestyle you've earned, for as long as you need it.
Investments & wealth
Advice that helps you sleep at night
Markets move. Headlines shout. But with an investment strategy built around your risk appetite and life goals, you don't have to react to every shift. We help you invest with clarity — balancing growth and security so you can stay the course, whatever the market is doing.
Your financial advice journey
A clear, structured path to better financial outcomes
We follow a disciplined six-step process designed to give you clarity, confidence, and a plan that genuinely fits your life.
1
Step one
Getting to know you
Understand what matters most to you
Your goals — lifestyle, retirement, wealth
Your current financial position
What success looks like for you
2
Step two
Building your financial picture
Create a complete and accurate snapshot
Assets, liabilities, income, and expenses
Superannuation and investments
Insurance and structures
3
Step three
Designing your strategy
Turn information into a clear plan
Investment strategy aligned to your goals
Tax-effective structures
Risk management and cashflow optimisation
4
Step four
Presenting your plan
Ensure clarity and confidence
What we recommend and why it matters
How it improves your position
Explained in plain English
5
Step five
Putting your plan into action
Execute efficiently and correctly
Setting up accounts and structures
Managing transfers and investments
Coordinating with providers
6
Step six
Ongoing advice & support
Keep your strategy aligned with your life
Regular reviews and check-ins
Adjustments as your life evolves
Ongoing optimisation of your strategy
The value we provide
Clarity
We simplify complex financial decisions into clear, actionable steps.
Structure
A disciplined process designed to ensure nothing is missed.
Expertise
We apply experience and analysis to improve your outcomes.
Accountability
We help you stay on track and make consistent progress toward your goals.
About us
Advice that puts your goals first
At Funding What Matters, we believe great financial advice starts with a genuine relationship. Clients aren't portfolio numbers — they're people with real goals, real families, and real lives.
With 26 years of experience in financial planning, we bring depth, care, and rigour to every engagement. Operating under the Australian Financial Services Licence of Synchron Advice Pty Ltd, we are committed to acting in your best interest — always.
In person · Murwillumbah
Online via Microsoft Teams
Kathryn Willowhite
Principal Financial Adviser
With 26 years in financial planning — beginning as a paraplanner before becoming a licensed adviser in 2015 — Kathryn brings exceptional depth and genuine care to every client relationship. She is driven by a simple belief: every client deserves a plan that gives them real financial freedom.
AR 1235738
Brad Aleckson
Advice Services Associate
Before entering financial planning, Brad spent over seven years in the superyacht industry — serving high-net-worth clients across the Mediterranean, Caribbean, and Pacific — where he developed an exceptional standard of professionalism and client service. Now completing his Professional Year on the path to becoming a licensed adviser, Brad supports the full advice process within a dedicated wealth management environment.
Client testimonials
What clients say about working with us
★★★★★
“We know without Kathy’s investment in us, we would not now be happily retired. She genuinely had our interest at heart — and has a gift for putting your mind at ease.”
Terry & Julie M.
Retired clients · Funding What Matters
★★★★★
“At first she looked after my superannuation — managed so well it enabled me to retire early. Now my pension fund allows me to live the life I want.”
Betty N.
Retired client · Funding What Matters
★★★★★
“Kath has managed our retirement pension fund since 2016. We have the utmost confidence that our finances are in the safest hands.”
General Advice Warning: The information on this website has been prepared for general information purposes only and does not constitute personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration. You should not act on any information without considering your personal needs, circumstances and objectives, and obtaining professional financial advice specific to your situation.
