Advisers
Luke Harlow
Partner / Financial AdviserFinancial Adviser
Luke Harlow advises business owners. Most of his work sits at the point where a business and a personal balance sheet meet — what happens if a key person is lost, how ownership passes on, and whether the structure holding it all together would survive the event it was built for.
He has advised since 2015 and holds a Master of Business (Professional Accounting) from QUT and a Bachelor of Commerce (Finance) from the University of Queensland — a background that shows in how he approaches tax structuring and investment strategy alongside the advice itself. Luke is also a qualifying Top of the table member of the Million Dollar Round Table (MDRT).
Luke was named INFIN of the Year 2025 at The Inside Network's Future Financial Leaders Awards, and won the Innovation in Financial Planning award in 2024.
What Luke advises on
- Buy/sell agreements and succession planning — funding the transfer of ownership before it is needed
- Key person and business risk cover — protecting a business against the loss of the people it depends on
- Corporate and group insurance — cover for teams, structured and funded properly
- Strategic financial advice — aligning the business, the family and the long-term plan
- Investment and portfolio construction
- Self-managed super funds (SMSFs) — whether one suits you, and running it properly once it exists
- Tax structuring — including small business CGT concessions on sale
Qualifications
- Master of Business (Professional Accounting), Queensland University of Technology
- Bachelor of Commerce (Finance), University of Queensland
- Diploma of Financial Planning
- Self Managed Superannuation Funds (FPE016)
- Superannuation and Retirement Advice (FPC003)
- Ethics and Professional Relationships, Queensland University of Technology
- Providing financial advice since 2015 · ASIC adviser number 001237865
Luke's registration and advice authorisations are listed publicly on ASIC's Financial Advisers Register, and his profiles are on Adviser Ratings and Financial Advisers Near Me.
Speak with Luke
If you own a business and have never tested what happens to it without you in it, that is the conversation worth having. An initial discussion costs nothing and carries no obligation.
