For lawyers, accountants, trustees and advisers
A specialist financial advice partner for complex client matters.
When health, disability, family wealth and financial decisions overlap, your client needs advice that connects the moving parts. HFI brings specialist financial planning knowledge to a clearly defined role alongside your work.
When to involve HFI
TPD and medical retirement
Financial advice around disability benefits, fund questions, household income and future financial needs. TPD financial advice.
Compensation and changing income
Financial planning around significant payments and income changes, with legal questions referred to the client’s solicitor. Compensation financial advice.
Inheritance and disability
Beneficiary financial planning that considers income, access to money, family responsibilities and longer-term needs. Inheritance financial advice.
Trustees and future care
Assessing financial suitability, investment decisions and agreed trustee support alongside legal advice. Special Disability Trust advice.
What HFI brings to the matter
- An assessment of the relevant financial position and decisions requiring advice.
- Financial modelling that makes assumptions, trade-offs and implications clear.
- Written financial recommendations and an agreed implementation role.
- Coordination with other professionals as authorised, with responsibilities defined.
- A separate ongoing advice pathway where the client wants continuing support.
What clients say
“They brought together financial planning and disability knowledge and understanding, and produced the tailored advice we were looking for.”
Annabel Johnson · Google review · 2021-12-06
“Easy to work with, allowing me to set the pace”
Sheana Guthrie · Google review · 2024-10-21
Selected excerpts from public Google reviews. Reviews describe individual experiences and do not guarantee tax savings, benefit entitlements or future results.
A straightforward referral process
1. Outline the matter
Start with the financial questions, the decision needed and any important deadline. An initial professional discussion can be de-identified.
2. Confirm suitability and scope
We discuss capacity, conflicts, the proposed role and what information is needed before accepting the engagement.
3. Agree the engagement
With the appropriate client authority, confirm who instructs HFI, the work, fees and communication arrangements.
4. Coordinate the next steps
HFI provides the agreed financial advice and works alongside the relevant professionals within the authorised scope.
Clear professional responsibilities
HFI provides financial advice within its authorisation and agreed engagement. The client’s solicitor provides legal advice and documents; their accountant or registered tax agent provides tax-agent services where needed.
Life insurance claims are handled by ClaimRight, a separate company with its own FSG and fee agreement. An expert financial report is also a separate engagement with defined instructions and applicable expert duties.
Start with a brief, safe outline
Tell us the issue, the decision deadline and whether you are seeking an initial discussion or a client referral. Please arrange an appropriate transfer method before sending identity documents, medical records or detailed financial information.
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.