A financial adviser who knows your life
Your financial plan should remain connected to the life you are living. HFI’s Private Advisory Service gives you a continuing relationship with an adviser familiar with your circumstances, helping you review progress, understand new questions and make informed decisions as needs change.
A relationship built around your life
- Retirement: review income needs, superannuation and the sustainability of your spending.
- Investments: revisit your investment mix, diversification, risk and access to money where investment advice is included.
- After a TPD payout or inheritance: review the strategy as your needs and circumstances change.
- Trusts and family wealth: include the financial planning and professional coordination agreed for your circumstances.
The value of knowing the whole picture
Income that reflects your needs
Revisit spending and income needs as retirement, health costs or family responsibilities change, within the agreed advice scope.
Investment decisions with context
Discuss risk, access to money and the role of your investments in supporting the goals covered by your service.
A familiar team to turn to
Ask questions about existing advice and agreed services, with access and coordination as specified in your agreement.
Clear decisions at review time
Understand what still fits, what has changed and whether a new issue needs separate advice before additional work begins.
What clients say
“I have been dealing with HFI since planning my move to retirement in late 2018.”
Tim Kendall · Google review · 2024-04-16
“Will and his team have supported me for a number of years now in both providing financial advice and supporting me personally.”
Col Pittorino · Google review · 2025-03-21
Selected excerpts from public Google reviews. Reviews describe individual experiences and do not guarantee tax savings, benefit entitlements or future results.
What the core service includes
- One scheduled adviser review each service year, considering your circumstances and progress towards agreed goals.
- Review of your agreed goals and strategies, identifying matters needing attention or further advice.
- An in-depth annual investment strategy and asset allocation review where investment advice forms part of your service.
- A written review outcome or advice document where appropriate or required, and implementation expressly included in your agreement.
- Reasonable liaison with up to one relevant external professional.
- Reasonable priority access to your adviser and client-support team for existing advice and agreed services. Routine contact within scope is not separately timed or billed.
- Up to four routine administrative requests each service year, subject to the conditions in the fee schedule. Further requests are charged at $275 per hour after we tell you.
- HFI client communications and continuity of support for your agreed service.
How your investments are reviewed
HFI advises on your overall investment strategy, asset allocation and the suitability of the investment options used. Fund and investment managers manage the underlying investments. Our core service includes an in-depth annual review where investment advice is included. Scheduled monitoring or changes between reviews are included only if your Service Agreement expressly provides for them. This service does not guarantee investment performance or financial outcomes.
Individually agreed services and fees
The typical annual fee is $5,500–$30,000 including GST, by quotation. This is an indicative range rather than a cap. Your quote reflects the agreed services, expected work, complexity and professional responsibility. Investment value alone does not determine your fee.
Your Service Agreement states who is covered, the deliverables, review timing, investment advice and any monitoring included, annual fee and payment arrangements. Significant new projects—such as a new trust, substantial inheritance, aged-care entry or major strategy change—may require a separate scope and quote before work begins.
You remain in control
Before renewal, we confirm the services and fee and obtain the required agreement or consent. You may terminate the ongoing service in writing at any time. Fees stop from the effective termination date, and amounts paid for later periods are refunded or credited after reconciliation. Please tell us about material changes between reviews so we can discuss whether further advice is needed.
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.