Income after TPD
You may want regular income, money for a loan or home, or flexibility for changing needs. HFI helps assess the available choices after TPD in the context of your whole financial position.
We consider ongoing living costs, housing, health-related expenses, family commitments and future plans. The right financial arrangements depend on these needs, rather than a general preference for a lump sum or pension.
Where included in the engagement, our analysis considers tax, Centrelink, access, investment risk, costs and the length of time the funds may be needed. We explain the trade-offs and relevant limitations before recommending an approach.
Your needs can change after the benefit is received. A separately agreed ongoing advice service can help you revisit your income needs and financial direction. Review timing and any monitoring are specified in your Service Agreement.
“He listens to ensure the advice is centred around optimising your finances, with your own personal goals at the forefront.”
Cal Murphy · Google review · 2025-06-20
Selected excerpts from public Google reviews. Reviews describe individual experiences and do not guarantee tax savings, benefit entitlements or future results.
Read about HFI’s specialist TPD financial advice. Learn more about fees and engagement and the HFI team.
Tell HFI the decision you are facing and any important deadline. We discuss suitability, the proposed scope and fees before chargeable work begins. An initial enquiry does not establish an advice engagement.
Yes. Tell us who you would like involved and any communication needs. We confirm the appropriate authority, scope and communication arrangements.
Tell us what you are trying to achieve and any important deadline. We will discuss whether HFI is the right fit and explain the next step and fees.
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.