SERVICES

What We Do

Our Services

  • FINANCIAL PLANNING
  • RETIREMENT PLANNING
  • SUPERANNUATION INCLUDING SELF MANAGED SUPERANNUATION FUNDS
  • DIRECT SECURITIES INVESTMENT
  • PERSONAL INSURANCE SERVICES
The areas of advice HFS work with most are as follows:

Wholistic Advice

The biggest thing I can do for you as an adviser is to work with you to sort through your current financial position and help you identify ways to place you in a better financial position, both now and, in the future so you are making the most of your financial life now and when you retire.
man putting coins in the jar
old man with dog and cat

Portfolio Construction

Here at HFS we construct custom portfolios which we monitor on an ongoing basis.  They are built to provide the end user (our clients) with a diverse but cost effective portfolio that performs well against its peers and the market over the longer term.  If we believe these portfolios don't suit your individual needs then we will build a bespoke portfolio to meet your unique position. We have had may years of experience in portfolio construction with good outcomes for our long term clients.  The portfolios are backed up by a strong research overlay from external research houses such as Morningstar and Lonsec.

Public Super Funds

While many people wish to run their own fund, many more do not. It is not as simple as just choosing a fund. You will need assistance in choosing what investment option to use, what contribution rules and opportunities you have available when investing in Super. It can be used not only to save for retirement but to reduce your tax and provide cost effective life and income protection insurance.

The investment choices are endless from cash and term deposits to managed funds and direct shares. To make the most of your super you will need some advice to ensure that you are taking advantages of all the benefits super may provide. You will also need to work out how much to put in to allow you to retire comfortably.
man calculating money
retired old people

Retirement Planning

This is the most common area people fall down on when looking at their finances. It is usually left too late in life. If you go to see an adviser when you are 50 and wish to retire at 60, and you are not on track to meet your retirement goals at the time, often 10 years is not enough to get you back on track. We like to get people to do a retirement plan as early as they can. The earlier you start the easier it will be. If you are age 30 and have not sat down with an adviser to work out what sort of lifestyle you want in retirement and if you are on track, you need to make an appointment now. We will help you work through the process and if you are not on track we will help you get there. This is the most important financial thing you can do. Even more important than owning your own home, if you don’t have enough to retire on you will most likely find yourself having to sell your home in retirement just to survive. The government will not be able to fund the age pension forever.

Self Managed Super Funds

Some people choose to run their own super funds as opposed to using a public fund. There can be many reasons for this. We assist with advice in regard to setting up a fund. We can also assist with the rolling over of your public funds into your new fund. There are many rules, laws and regulations that must be adhered to when running your own fund, and while we will provide assistance, the responsibility of running the fund still rest with you as the trustee.  
2 businessmen talking and calculating
man using a red calculator

Managed Funds

These are funds that provide a wide range of investment choices outside superannuation. You can invest in just about anything you can imagine. We can help you work through your choices and advise what would might suit you based on your comfort with risk.

Personal Insurance

This area is one that people often neglect. We don’t think twice about insuring our cars and houses but we forget about the most important part. If we lose our income due to illness or injury then you will lose everything else. We provide a service to educate and inform you of the options available and the costs and benefits involved.
shaking hands
couple getting assistance

Centrelink Assistance

We also assist our clients in applying for, and maintaining, Centrelink benefits where appropriate. We have been assisting Clients with their Centrelink needs for the past 27 years. We not only help you apply for benefits but also help you maintain them by keeping Centrelink up to date.
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