Steve Salvia has been in the financial planning industry since 1994 and has completed his Advanced Diploma of Financial Planning (Adv Dip FS (FP).

Salvia is a financial planner and chief executive of Southern Financial Strategies (SFS) group, a holistic, fee for advice financial planning firm servicing over 1,500 clients throughout Australia.

Salvia has won a number of planning awards including AFA Financial Adviser of the Year Award 2010 (Finalist 2009) and winner of AXA WA State Adviser of the Year 2010 with SFS awarded Certified Quality Advice Practice (CQAP) and invited to join the exclusive 'Leaders Group'.

Matthew*, 30, and Ashley*, 37, are a de facto couple planning a wedding with a baby on the way who decided that they needed help from a financial adviser to help them deal with their rising debt and ...