A financial advice partner for complex matters
When legal, tax, health and financial decisions overlap, your client needs advice that fits the whole picture. HFI works with lawyers, accountants, trustees, guardians and other advisers on defined financial advice engagements, continuing advice and expert financial reports.
When to involve HFI
- Special Disability Trusts and protective trusts: financial suitability, funding, investment strategy and trustee support, alongside the client’s solicitor. Trust advice and support.
- TPD benefits and medical retirement: financial strategy before benefit withdrawals, super rollovers or investment decisions. Post-TPD financial advice.
- Personal injury compensation: cashflow, settlement proceeds, superannuation and Centrelink interactions within the agreed financial advice scope. Settlement financial advice.
- Inheritance and estate matters: beneficiary financial planning, disability-related needs and investment or retirement decisions, coordinated with the estate lawyer and accountant. Inheritance financial advice.
- Retirement and investment advice: income planning, superannuation, portfolio structure and a continuing advice relationship. Retirement advice · Investment advice.
- Expert financial reports: defined instructions for trustee, guardianship and family-law matters and other matters within the expert’s demonstrated expertise. Discuss suitability and instructions.
How a referral works
- Start with the issue, the decision needed and any known deadline. An initial discussion can be de-identified.
- We confirm suitability, capacity, conflicts, the proposed role and the information needed before accepting the engagement.
- With the client’s authority, we agree who will engage and instruct HFI, the advice scope, fees and communication arrangements.
- We provide the agreed financial analysis and advice and coordinate with relevant professionals as authorised.
- Where suitable, the client may separately engage HFI for ongoing advice after the immediate matter.
A practical referral checklist
- The client’s main concern and the specific decision or questions requiring financial advice.
- Any settlement, distribution, withdrawal, care-entry, court or tribunal dates.
- Whether money is still in super, held by an estate, in trust or already paid to the client.
- Relevant entities, existing advisers and any known capacity, authority or conflict issues.
- The client’s consent and preferred contact method, including communication or accessibility needs.
Please arrange an appropriate method with us before sending medical records, identity documents or sensitive financial information. A referral does not itself establish a client engagement.
Clear professional responsibilities
HFI provides financial advice within its authorisation and agreed scope. The client’s lawyer provides legal advice and documents; their accountant or registered tax agent provides tax-agent services where required. Life insurance claims are handled by ClaimRight, a separate company under its own FSG and fee agreement.
An expert report is a separate engagement with defined instructions and applicable expert duties. It is not an advocacy submission or a promise of a particular litigation outcome.
Support beyond the immediate transaction
For suitable clients, our Private Advisory Service provides an agreed continuing relationship. Review frequency, investment advice, coordination and any monitoring are specified in the Service Agreement.
Important information
General advice warning: Any advice on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you and seek personal advice where needed. Where a financial product is involved, obtain and consider the relevant Product Disclosure Statement or other disclosure document before deciding. Investment returns are not guaranteed and investments can lose value.
Health & Finance Integrated Pty Ltd, ABN 72 165 510 618, Corporate Authorised Representative No. 1293198 of Able Financial Services Pty Ltd, ABN 27 646 319 164, AFSL 530596. HFI is not independent, impartial or unbiased because HFI or its licensee may receive life insurance commissions. See our Financial Services Guide, adviser profiles and fee information.