Why Choose Us?

Navigating Life's Uncertainties:

Life is unpredictable, and financial challenges can arise unexpectedly. Whether you're going through a divorce or dealing with unique financial needs, we've got you covered.

Divorce Financial Planning: Before embarking on legal proceedings, schedule a complimentary appointment with our director, Nadia Hughes. As a Neutral Financial Professional, Nadia brings a wealth of expertise to help couples evaluate their financial situation and find creative solutions to complex financial problems. Our goal is to support you in achieving a mutually agreeable settlement.

At Unfair Advantage Financial Advisory, we don't just plan for your financial future; we architect it. Let's build a strategy that turns your dreams into reality.
Schedule a consultation today!

Adviser Profile


Nadia has over 16 years of experience in the provision of financial / accounting advice and 7 years’ experience in the provision of financial planning advice. Nadia attained Bachelor of Business and Commerce from Monash University on 25th of May 2006. She is a Certified Practicing Accountant and a member of CPA Australia.

Nadia Hughes is a Sub-Authorised Representative of Unfair Advantage Financial Advisory Pty Ltd, Corporate Authorised Representative No. 1007300.


Nadia Hughes holds a Diploma of Financial Planning and meets the competency requirements under ASIC’s Regulatory Guide RG 146.

Professional Memberships

Nadia Hughes is a member of CPA Australia and abides by their code of professional conduct and ethics.


Nadia Hughes is authorised to provide advice and deal in the following financial products:

  • Life Products including Investment Life Insurance Products & Life Risk Insurance Products;
  • Interests in Managed Investment Schemes including Investor Directed Portfolio Services;
  • Deposit & Payment Products;
  • Retirement Savings Accounts (“RSA”) products;
  • Debentures, Stocks or Bonds issued or proposed to be issued by a government;
  • Superannuation;
  • Self-Managed Superannuation Funds;
  • Securities; and
  • Standard Margin Lending Facility.
Advice Fees and Charges

Nadia Hughes will be paid by Financial Planning Advice Fees as described in the Financial Services Guide. The amount of the benefit and how it is calculated will be advised to you during your initial meeting.

Nadezhda’s fee for the preparation of a Statement of Advice and other Advice documents will vary depending on the complexity involved and the time taken. You will be notified of the costs involved prior to the commencement of any work.

Nadezhda provides the option of ongoing reporting and advisory services. These fees vary depending on scope and complexity and range from $1,100 to $4,500 (incl. GST). You will be notified of the cost involved prior to the commencement of any ongoing services.

Unfair Advantage Financial Advisory Pty Ltd pays a fixed licensing fee to Capstone Financial Planning Pty Ltd and will receive all revenue earned from the financial services provided to you. Nadezhda is a Director of Unfair Advantage Financial Advisory Pty Ltd and will receive a salary/benefit from this company.

Other Benefits Adviser May Receive

From time-to-time Nadezhda may be invited to social or sporting events and receive the occasional gift such as a bottle of wine or hamper on special occasions. These non-cash benefits will have a value of less than $300. A register listing the details of any non-cash benefits between $100 and $300 is maintained. These invitations and gifts do not influence the advice provided to you. If you would like more information, you can request a copy of the register.

This Adviser Profile has been authorised for distribution by Capstone Financial Planning Pty Ltd. AFSL No. 223135. This Adviser Profile forms part of the Financial Services Guide (FSG) and is to be read in conjunction with the FSG.

Nadia Hughes

Financial Adviser @Unfair Advantage Financial Advisory


Book Appointment Book Appointment

First Name
Last Name
Email Address


545 Mornington-Tyabb Rd,
Moorooduc VIC 3933, Australia 

You can meet us now @The Studio & Co
by appointment only.


 (03) 8595 1111

Financial Services Guide | Complaints Policy | Privacy Policy | Important information

Unfair Advantage Financial Advisory Pty Ltd ABN 89 603 689 185 is
a Corporate Authorised Representative of
Capstone Financial Planning Pty Ltd ABN 24 093 733 969, AFSL No. 223135
Level 1, 607 Bourke Street, Melbourne VIC 3000.
Ph: 03 8622 0700   Fax: 03 8622 0799  

© 2024 Unfair Advantage Accounting. Site Map