Helping Australian Families Build Lasting Financial Freedom.
Get a clear plan built around your income, equity and goals, explained in plain English by a team that has been in business since 2003. Your first two 90-minute strategy sessions are cost free and obligation-free.
Average saved off a 30-year mortgage
Trusted by hardworking Australian families since 2003 – 23 years
Real guidance. Real integrity. Real results, because if we wouldn't invest in it ourselves, we'd never recommend it to you.
You've Done Everything Right So Why Does the Math Still Not Add Up?
You've worked hard your whole life. You've raised your kids, put in the long hours, earned a good combined income and built real equity in your home. Then one day you sit down, look at your super, do the sums, and your stomach drops. It won't be enough.
See How We Fix ItYears helping Australian families
Average years saved off a 30-year mortgage
One Clear Plan to Pay Off Your Mortgage Faster and Retire With Confidence
We give ordinary Australian families a step-by-step, one-on-one financial strategy that pays off the mortgage decades sooner and secures their retirement.
Your Complete Mortgage-Freedom Roadmap
Everything your independent financial advisor covers to move you from drowning in debt to in control of your future:
we listen first, then map exactly where you stand today.
A Clearer Path to a Mortgage-Free Retirement
The gap between waiting and acting with an independent financial advisor, side by side.
Your Simple, Step-by-Step Path to Pay Off Your Mortgage Faster
Two free sessions with an independent financial advisor, real numbers and a clear plan, all one-on-one and fully online.
Our promise to you
We invest in you before you invest a cent: 3 hours of real, personalised independent financial advisor guidance, No Cost and No Obligation. We believe in what we do, and we believe you will too.
Since 2003, We've Helped Australian Families Take Back Control.
- 80+ years combined experience
- 3,000+ clients helped
- 100% peace of mind before making any commitments
- 10 National locations
We are an independent financial advisor for hard-working Australians from all professions and walks of life, including FIFO workers, essential workers, dual-income households, and parents who've earned a good living and built real equity, but were never handed a clear plan for what comes next.
Everything your independent financial advisor does here is one-on-one, fully online, and built on data, never emotion or hype. We show you the numbers: if the numbers work, the money works. Pay off your mortgage faster, turn bad debt into wealth-building good debt, reduce your tax, and secure your retirement.
Our mortgage reduction, retirement planning and tax minimisation strategies are mapped to your real budget, goals and borrowing capacity.
Clients Above Transactions, at Every Step.
Integrity
If we wouldn't do it ourselves, we won't recommend it to you.
Clarity
An independent financial advisor who speaks plain English: real data, no jargon and no pressure.
Partnership
Gain access to our network of industry-leading professionals and exclusive opportunities.
Fully Accredited
ASIC-audited general advice, RG-146 accredited and in business since 2003.
FREQUENTLY ASKED QUESTIONS
Q: What does it cost?
A: Your first two sessions with your independent financial advisor (about 3 hours of personalised guidance) are completely cost-free & obligation-free. There's no cost and no commitment to see your plan.
Q: Is this going to be a high-pressure sales pitch?
A: Not at all. Your first two sessions are completely obligation-free and cost you nothing. We're here to educate and hand-hold. You decide what happens next, in your own time.
Q: I don't understand shares, ETFs or the stock market. Is that a problem?
A: Not one bit. Most families new to an independent financial advisor feel exactly the same. We focus on property fundamentals you already understand, and we explain every single step in plain English.
Q: We still have a lot of debt. Have we left it too late?
A: Almost certainly not. Existing equity and income are exactly what we use to build your plan. The best time to start is now. The second-best time was yesterday.
Q: How much time will this take out of my week?
A: Just two 90-minute online sessions with your independent financial advisor, scheduled around your work and family commitments. Everything is done from home.
Q: Why should I trust Liberty Solutions over anyone else?
A: In business since 2003, with 23 years helping Australian families, ASIC-audited general advice and RG-146 accreditation, plus a simple rule: if we wouldn't invest in it ourselves, we'd never recommend it to you. We even put our own skin in the game.
Q: What makes an independent financial advisor different from a mortgage broker or financial planner?
A: Brokers find you a loan and planners often push managed products. An independent financial advisor builds a complete, data-driven plan around one clear goal: paying off your mortgage faster and turning your existing equity into wealth. One-on-one, in plain English, with no products pushed on you.
Q: Do you actually invest in what you recommend?
A: Yes. Skin in the game is a core rule for us. If we wouldn't put our own money into a strategy or property, we would never recommend it to you.
Q: What do I get that I couldn't get from a free online calculator?
A: A calculator shows you numbers. An independent financial advisor shows you the strategy behind them: how to structure your equity, reduce your tax, and use good debt safely, all mapped week by week against your real budget, with guidance at every step.
Q: Do I get access to other professionals through you?
A: Yes. Clients of our independent financial advisor team gain access to our network of industry-leading professionals, from accountants to finance and property specialists, plus exclusive opportunities that rarely reach the general public.
Q: Why do you only recommend brand-new property?
A: Because the data supports it: maximum depreciation benefits, lower maintenance risk, and stronger tenant appeal. Every recommendation is backed by numbers, never emotion or hype. If the numbers work, the money works.
Ready to Be Mortgage-Free Years Sooner?
Trade Sleepless Nights for a Clear Plan to Pay Off Your Mortgage Faster
Book your free, obligation-free strategy session with an independent financial advisor and walk away knowing exactly how to secure your retirement. No cost, no pressure, no jargon.
- See your mortgage-freedom timeline mapped to real numbers
- Discover how to legally reduce your tax and grow good debt
- Finally replace fear with a clear plan from an independent financial advisor
Consequence of delay: Every month you wait is more interest paid, less time for your plan to work, and another month closer to retirement with debt still hanging over you. The biggest risk is doing nothing.
Real Families. Actual Numbers. Your Peace of Mind.
Original Situation
Their Goals
The Results
Disclaimer: Individual results vary and are not guaranteed. These case studies represent actual client situations, mapped against real budgets and borrowing capacities at the time of advice.
“As an accountant, I tend to approach property purchases quite cautiously, so having Jeff as our broker and Liberty’s team behind the process made a big difference. Jeff was fantastic from the start—knowledgeable, patient, and always focused on making sure we were making smart, informed decisions. I also really appreciated how conservative and thorough Liberty’s calculations were—no hype, just solid, well-researched advice. They stuck with me for over a year to help find the right investment property, and it really paid off. The purchase price ended up being $80,000 less than what the property originally sold for when it was new. As Jeff explained, we were buying in a “property cycle clock buyers’ market at 6 o’clock”—perfect timing to get great value. Liberty had estimated rental income at $480/week, but we secured a tenant within two weeks at $545/week—a $65 per week uplift, which makes a meaningful difference to the overall return. I’ve been really happy with the support and outcome, and I wouldn’t hesitate to recommend Liberty—and especially Jeff—to anyone looking for property advice with substance behind it.”
“I am delighted to share our experience with Liberty Solutions and especially with Jeff, who has been instrumental in our financial journey. As a family juggling demanding full-time careers and raising two adolescent boys, finding the time for financial planning has always been a struggle for us. We were eager to accelerate the repayment of our mortgage through property investment but felt overwhelmed and unsure of where to start or whom to trust. After reaching out to several advisors, Jeff at Liberty Solutions truly stood out. His patience and persistent encouragement made all the difference, helping us stay focused and on track throughout the process. Jeff and his licensed team guided us step by step in setting up a Self-Managed Super Fund, carefully unpacking the complexities of property investment and making it accessible for us. I am thrilled to report that our first investment property is situated in a prime and stunning location, with every detail impeccably managed by Jeff and his dedicated team. In fact, we’re already under contract for a second property that is due by the end of the year, and it has already gained capital value before completion, with only a 10% deposit paid. This entire experience has instilled in us unprecedented confidence in our financial future. We are eager to maintain this momentum and continue leveraging Liberty Solutions’ expertise. Thank you, Jeff, for your outstanding support and guidance. We couldn’t have embarked on this exciting journey without you!”
“I first met Liberty Solutions and purchased my inaugural investment property six years ago, setting the stage for a partnership that’s only grown stronger over time. That first property delivered a staggering $284,000 in capital gains after accounting for establishment, purchase, and selling expenses. Achieving that in just 3½ years translated to a 107% return on my SMSF cash deposit and purchase costs—more than doubling my initial outlay. Building on that success, I acquired my second investment property in March 2025, currently now finalizing the purchase of property number three and planning to secure a fourth investment property within the next six to twelve months. This would not have been achieved without the help and expertise of Jeff and I am very much appreciated for that. I am eager to continue leveraging Liberty Solutions’ expertise and maintain the momentum in my portfolio. I would recommend Liberty Solutions to anyone looking at building their SMSF and property portfolio. Jeff is very professional and always has his client's best interests as upmost importance. I’ve proudly referred Liberty Solutions to many friends and colleagues and as a sponsor at my sporting clubs as I confident they’ll receive the same positive experience I enjoyed.”
“Our first time investing in an investment property for our future could have been a scary time. But with Jeff’s expertise, guidance, knowledge and advice every step of the way was a seamless experience. Not once were we pressured or pushed beyond our limits. Jeff has a personable yet professional attitude to help you understand every aspect of property investing. Do not hesitate he is honest, reliable and a true gentleman in his field of property investment.”
“Jeff introduced us into investing in a property. We were nervous but Jeffs professional and knowledgeable manner reassured us. He was with us every step of the way. His guidance and support put us on the path to investing in property, we highly recommend Jeff.”
“I have known Jeff for a long time now, I have found Jeff to be reputable in all his dealings. After passing my initial Five Step Qualification, there were a few teething problems to sort out for my particular investment process and situation. Jeff stepped up to help me to ensure all i’s were dotted and t’s were crossed, as well as closely following my process, which involved helping getting me sorted with Lenders, Lawyers, Builders, RealEstate Agents etc, all whilst thoroughly explaining details of my process along the way. Jeff gave me Lots of regular updates on my timelines, I was well looked after and felt comfortable in selecting Jeff as my Broker!! Rick”
“We decided to invest on a project, however, due to time constraints, we unfortunately had to pull out of the deal. Jeff Kollen was fantastic. Totally understood our situation and proceeded to resell our lot and refund every cent to us ($150,000). This showed us quality ethics and morals. We would have no hesitation recommending Jeff Thanks so much.”
“Jeff and his team introduced us to the world of SMSF and property investment. They guided us through the whole process and arranged everything. We’ve never looked back.”
“Jeff was a great help to us with our biggest investment which has increased in value by about 45% from 2017 to 2023.”
“Dealt with Jeff a few years ago. Helped us purchase our first investment property. Has been a good investment for us.”
“In dealing with Jeff from liberty he has been so helpful , I purchased a property approximately four years ago for $ 430 grand now the value is $750 grand , this would not have been possible if it wasn’t for the great advice and helpful service from Jeff at Liberty I can not recommend liberty and especially Jeff enough .”
“Jeff's expertise helped me set up some strategies for investment and it worked out really well for me 👌 thank you Jeff Regards Andrew Geary”
“Great experience. Purchased an investment property in 2018 and very pleased with the outcome . Well recommended”
“As an accountant, I tend to approach property purchases quite cautiously, so having Jeff as our broker and Liberty’s team behind the process made a big difference. Jeff was fantastic from the start—knowledgeable, patient, and always focused on making sure we were making smart, informed decisions. I also really appreciated how conservative and thorough Liberty’s calculations were—no hype, just solid, well-researched advice. They stuck with me for over a year to help find the right investment property, and it really paid off. The purchase price ended up being $80,000 less than what the property originally sold for when it was new. As Jeff explained, we were buying in a “property cycle clock buyers’ market at 6 o’clock”—perfect timing to get great value. Liberty had estimated rental income at $480/week, but we secured a tenant within two weeks at $545/week—a $65 per week uplift, which makes a meaningful difference to the overall return. I’ve been really happy with the support and outcome, and I wouldn’t hesitate to recommend Liberty—and especially Jeff—to anyone looking for property advice with substance behind it.”
“I am delighted to share our experience with Liberty Solutions and especially with Jeff, who has been instrumental in our financial journey. As a family juggling demanding full-time careers and raising two adolescent boys, finding the time for financial planning has always been a struggle for us. We were eager to accelerate the repayment of our mortgage through property investment but felt overwhelmed and unsure of where to start or whom to trust. After reaching out to several advisors, Jeff at Liberty Solutions truly stood out. His patience and persistent encouragement made all the difference, helping us stay focused and on track throughout the process. Jeff and his licensed team guided us step by step in setting up a Self-Managed Super Fund, carefully unpacking the complexities of property investment and making it accessible for us. I am thrilled to report that our first investment property is situated in a prime and stunning location, with every detail impeccably managed by Jeff and his dedicated team. In fact, we’re already under contract for a second property that is due by the end of the year, and it has already gained capital value before completion, with only a 10% deposit paid. This entire experience has instilled in us unprecedented confidence in our financial future. We are eager to maintain this momentum and continue leveraging Liberty Solutions’ expertise. Thank you, Jeff, for your outstanding support and guidance. We couldn’t have embarked on this exciting journey without you!”
“I first met Liberty Solutions and purchased my inaugural investment property six years ago, setting the stage for a partnership that’s only grown stronger over time. That first property delivered a staggering $284,000 in capital gains after accounting for establishment, purchase, and selling expenses. Achieving that in just 3½ years translated to a 107% return on my SMSF cash deposit and purchase costs—more than doubling my initial outlay. Building on that success, I acquired my second investment property in March 2025, currently now finalizing the purchase of property number three and planning to secure a fourth investment property within the next six to twelve months. This would not have been achieved without the help and expertise of Jeff and I am very much appreciated for that. I am eager to continue leveraging Liberty Solutions’ expertise and maintain the momentum in my portfolio. I would recommend Liberty Solutions to anyone looking at building their SMSF and property portfolio. Jeff is very professional and always has his client's best interests as upmost importance. I’ve proudly referred Liberty Solutions to many friends and colleagues and as a sponsor at my sporting clubs as I confident they’ll receive the same positive experience I enjoyed.”
“Our first time investing in an investment property for our future could have been a scary time. But with Jeff’s expertise, guidance, knowledge and advice every step of the way was a seamless experience. Not once were we pressured or pushed beyond our limits. Jeff has a personable yet professional attitude to help you understand every aspect of property investing. Do not hesitate he is honest, reliable and a true gentleman in his field of property investment.”
“Jeff introduced us into investing in a property. We were nervous but Jeffs professional and knowledgeable manner reassured us. He was with us every step of the way. His guidance and support put us on the path to investing in property, we highly recommend Jeff.”
“I have known Jeff for a long time now, I have found Jeff to be reputable in all his dealings. After passing my initial Five Step Qualification, there were a few teething problems to sort out for my particular investment process and situation. Jeff stepped up to help me to ensure all i’s were dotted and t’s were crossed, as well as closely following my process, which involved helping getting me sorted with Lenders, Lawyers, Builders, RealEstate Agents etc, all whilst thoroughly explaining details of my process along the way. Jeff gave me Lots of regular updates on my timelines, I was well looked after and felt comfortable in selecting Jeff as my Broker!! Rick”
“We decided to invest on a project, however, due to time constraints, we unfortunately had to pull out of the deal. Jeff Kollen was fantastic. Totally understood our situation and proceeded to resell our lot and refund every cent to us ($150,000). This showed us quality ethics and morals. We would have no hesitation recommending Jeff Thanks so much.”
“Jeff and his team introduced us to the world of SMSF and property investment. They guided us through the whole process and arranged everything. We’ve never looked back.”
“Jeff was a great help to us with our biggest investment which has increased in value by about 45% from 2017 to 2023.”
“Dealt with Jeff a few years ago. Helped us purchase our first investment property. Has been a good investment for us.”
“In dealing with Jeff from liberty he has been so helpful , I purchased a property approximately four years ago for $ 430 grand now the value is $750 grand , this would not have been possible if it wasn’t for the great advice and helpful service from Jeff at Liberty I can not recommend liberty and especially Jeff enough .”
“Jeff's expertise helped me set up some strategies for investment and it worked out really well for me 👌 thank you Jeff Regards Andrew Geary”
“Great experience. Purchased an investment property in 2018 and very pleased with the outcome . Well recommended”