Specialist financial advice for life’s complex moments

Post-TPD guidance, retirement planning, disciplined investing, and Special Disability Trusts — tailored to your health, wealth and family.

Advice tailored to your health, wealth and family

We’re a specialist financial planning practice. We help people after a TPD claim, those preparing for retirement, families investing for the long term, and carers establishing Special Disability Trusts.

We’re going to change our trading name to AbleFS
Over the next few months you’ll see Health & Finance Integrated (healthfinance.com.au) transition to AbleFS. We chose this name because it’s more inclusive and on-point with the work we do.
What’s changing: our name and email addresses.
What’s not: your adviser, your advice relationship, and the services you receive. No action is required from you.

Our Services

What we can help you with

“post-TPD financial advice meeting” “TPD payout strategy and Centrelink modelling” “TPD super withdrawal planning

Post-TPD & Compensation Advice

Manage today, protect tomorrow.
Plan your payout, income and benefits with confidence. We map the tax treatment and super access, set a simple cash plan, and outline investment steps you can live with.

Tax Smart Investing & Portfolio

Clarity • Discipline • Care.
Goal-based portfolios with a clear strategy and regular reviews. We explain the “why” behind each move and coordinate super and non-super investments to keep you on track when markets shift.

we build retirement incomes that are reliable and sustainable

Pre-Retirement Prep, Retirement Income & Pension Advice

Retire with clarity.
Turn super into reliable income that suits your life. Plan contributions, TTR/pensions and whether downsizing makes sense—so the future feels in your hands.

Centrelink Strategies

Make decisions with confidence.
Plain-English modelling of how changes (TPD payouts, super withdrawals, investments, gifting) may affect your payments and how to protect your lawful entitlements.

Protective & Special Disability Trusts

Protect long-term care.
Decide if an SDT is right for your family, set it up with your legal provider, plan funding, and receive ongoing trustee support and reporting.

we give expert witness reports and testimonies involving estate and financial disputes

Expert Witness Reports & Court Support

Independent, court-compliant financial reports.
Clear assumptions, transparent method and timely delivery for court or mediation. Conference with counsel; testimony if required. Our duty is always to the court.

Why Us

Clear financial decisions when health and money collide — Australia-wide.
We’re specialist financial planners who help after TPD (Total & Permanent Disablement) claims, guide retirement & superannuation with evidence-based investing, give advice on Personal Injury Compensation and establish Protective & Special Disability Trusts with your solicitor. We also prepare expert financial reports and provide expert-witness testimony when required.

What sets us apart

Specialists, not generalists — Deep experience in TPD claims, retirement planning, super, and Special Disability Trusts.
Plain-English modelling — See tax, Centrelink, cash-flow and risk trade-offs before you decide.
Evidence-based portfolios — Disciplined investing, lclient centric, transparent reporting.
We coordinate for you — We work with your solicitor, doctors, insurer and fund so everything lines up.
Trusted & recognised — Industry recognition over many years; referrals from lawyers, other financial advisers and health professionals.
Stay in control — Simple review rhythm so you always know what happens next.