Stop paying the Loyalty Tax.

You work hard for your money. You shouldn’t have to work hard to keep it. Many people are quietly overpaying on insurance, utilities, telco and subscriptions, not because they’re careless but because life is busy.

I’m Mark. I started Elephants Independent to give your regular bills a fresh look and explain what I find in plain English.

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Mark, founder of Elephants IndependentMark, founder of Elephants Independent
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Independent. Honest and objective. Someone genuinely in your corner.

What is the Loyalty Tax?

Staying loyal stopped being rewarded a long time ago. Providers often save their best deals for new customers, so the longer you stay, the more you can end up paying. Add busy lives and renewals that happen on autopilot, and small increases go unnoticed.

Small increases add up. A Financial Reset helps you spot them.

Why do a Financial Reset?

Spot what’s worth a second look

See which recurring costs may be worth questioning.

Save time

Skip hours of comparing providers and plans.

Get clarity

See where your money goes and what to review.

Decide with confidence

Objective reviews and practical recommendations.

Reach trusted specialists

Introductions where extra expertise is needed.

What we can review

InsuranceLoansUtilitiesInternet and mobileStreaming and subscriptionsHousehold expensesOther recurring costs

How it works

1Submit your details and tell us what you’d like reviewed.
2We review your current arrangements.
3You receive your Financial Reset with practical recommendations.

What we do, and what we don’t

What we do

  • Review your regular bills and subscriptions
  • Explain what we find in plain English
  • Give you a clear written summary
  • Point out what’s worth asking your providers, so you can sort it yourself

What we don’t do

  • Give financial, tax, legal or investment advice
  • Recommend financial products
  • Switch or cancel anything on your behalf
  • Take commissions or referral fees from providers

Simple, one-off pricing

No subscriptions or ongoing fees.

Quick Reset

$149
  • Up to 3 services reviewed
  • Areas worth a second look highlighted
  • Standard recommendations
Most popular

Full Reset

$299
  • Up to 6 services reviewed
  • Detailed review
  • Comprehensive recommendations

Premium Reset

$399
  • Full household review
  • Priority support
  • Extended recommendations

Start my Financial Reset
Not sure which one? Choose “Not sure yet” on the form.

Why Elephants?

My mum collected elephants her whole life. Glass, wood, stone, every colour and shape. Family and friends brought one home from every holiday, and over the years her collection became a symbol of the people she loved.

When I set up my first Self Managed Super Fund and needed a trustee name, the choice was easy. To me, elephants stand for everything Mum taught me: loyalty, strength, protection, and never forgetting what matters most. Today she still shows an extraordinary love of life that humbles me every day.

Elephants Independent is her legacy, built by a very proud son who owes her everything.

Mark with his mum

Why me?

I’ve spent my career in telecommunications and IT across Australia and the UK, in both the private and public sectors. Along the way I’ve moved countries and learned what real value looks like. Spoiler: it’s rarely just about the money.

As a father of three and now a grandfather, passing on what I’ve learned matters to me. This isn’t about building an empire. It’s about sharing that knowledge and making a real difference for everyday people. I’m not here to sell you a product or represent a supplier. I charge a straightforward fee for my time, explain what I find clearly, and help you make informed decisions.

Because sometimes the best decision is simply knowing what you’re paying for, and whether you really need to be paying it.

Frequently asked questions

Is this financial advice?

No — this is an independent research and comparison service focused on helping you reduce unnecessary costs and improve value across your expenses.

Are you affiliated with any providers?

No — we don’t receive commissions, incentives, or referral fees from any providers. Our recommendations are completely independent.

What do you actually do?

We review your key expenses, identify where you’re overpaying, and provide a clear, prioritised action plan so you can reduce costs.

Do you switch providers for me?

No — we don’t make changes on your behalf. We give you clear recommendations so you stay in full control.

How long does it take?

Minimal input from you. Most of the work is done on our side once you provide your details. Most users complete the initial step in under 10 minutes, and your personalised action plan is delivered quickly after that.

Who is this best suited for?

Anyone who:

  • Hasn’t reviewed expenses in 12+ months
  • Feels like bills keep increasing
  • Doesn’t have time to compare options
  • Wants clarity without being sold to
How much can I realistically save?

Savings vary from person to person, and we can’t promise a particular amount. Many people find some bills have crept up over time, and a review helps you see which ones are worth a closer look across insurance, energy and subscriptions.

Is my data secure?

Yes — your information is handled securely and confidentially. We only use it to complete your review. You can request that your data be removed from our records at any time, and we will promptly comply.

What’s included in the pricing?

A one-off review of your expenses with clear, actionable recommendations. No subscriptions. No ongoing fees.

Ready for a fresh look?

Start your Financial Reset. About 2 minutes to submit your details. No obligation, no pressure.

We only use your details to respond to your enquiry and complete your review. See our Privacy Policy.