Ongoing financial advice built around disability, retirement, and complex circumstances
A continuing advisory relationship designed to keep your financial strategy current, considered, and aligned — as legislation shifts, markets move, and your life changes.
Financial advice is rarely a single event
Investment structures evolve. Superannuation balances grow. Retirement income decisions become more important. Tax laws change. Family circumstances can shift slowly — or sometimes overnight.
Complexity increases over time
Post-TPD strategies, pension drawdowns, Centrelink interactions, and trust governance all require ongoing attention as rules and personal circumstances change.
Structured oversight, not set-and-forget
Ongoing Financial Wellbeing provides scheduled reviews, strategic monitoring, and access to a team that already understands your financial history and goals.
Is this service right for you?
HFI works with clients whose financial lives require careful, specialist attention. Here are some of the situations we commonly support.
You’ve received a TPD payout — now what?
Support with post-claim strategy, superannuation tax components, rollover structuring, and coordination with solicitors, accountants, and support coordinators.
Approaching or already in retirement
Guidance around account-based pensions, transition to retirement, drawdown sustainability, lump sum decisions, and Centrelink Age Pension considerations.
Growing wealth that needs a structure
Portfolio construction, tax-effective investment structuring, strategic rebalancing, and accumulation planning for clients building long-term wealth.
Complex family or trust arrangements
Specialist support for Special Disability Trusts, protective trusts, estate planning, succession planning, and coordination with solicitors and accountants.
What ongoing clients receive
Continuous strategic support to help keep your plan alive as circumstances, markets, legislation, and family needs change.
Structured review
At least one scheduled review annually, with strategy aligned to your changing circumstances and goals.
Superannuation oversight
Guidance on pension payments, super withdrawals, tax considerations, and lump sum decisions.
Investment monitoring
Oversight of portfolio positioning, rebalancing recommendations, and scenario modelling when required.
Insurance review
Review of personal insurance at agreed intervals, including suitability and structure assessment.
Administration and records
Advice documentation, implementation follow-up, provider statement assistance, and clear records.
Centrelink considerations
Input around Age Pension or Disability Pension eligibility, reporting requirements, and withdrawal strategy.
Professional coordination
Liaison with accountants, solicitors, and trusted professional partners where appropriate.
Ongoing updates
Market commentary, legislative alerts, retirement insights, investment updates, and newsletters.
Choose your engagement level
Three levels, each designed for a different degree of complexity, investment balance, and support need.
Essential
- Annual review meeting
- Superannuation and pension oversight
- Portfolio monitoring and reporting
- Insurance review at agreed intervals
- Legislative and market updates
- Email and phone access to the team
Advanced
- Everything in Essential, plus:
- Mid-year check-in or additional review
- Centrelink strategy and liaison
- Tax-effective structuring guidance
- Coordination with accountant or solicitor
- Priority response from the advice team
Private
- Everything in Advanced, plus:
- Quarterly reviews or as needed
- Scenario modelling and projections
- Trust governance and estate strategy
- Complex multi-entity structuring
- Direct access to lead adviser
Fees may also include a tiered percentage applied to funds under advice. Please refer to the brochure and formal service agreement for full details.
Not sure which level suits you?
Start with a no-obligation conversation. We’ll recommend the right fit — or tell you if ongoing advice isn’t what you need.
A team that knows your circumstances
The people doing the work are the people you’ll know. HFI combines technical advice capability with empathy — including lived experience of the circumstances many clients navigate.
William Johns
Specialist in disability, medical retirement, and complex financial advice.
Paul Conte
Experienced across superannuation, insurance, investment structures, and estate strategy.
Mariyana Jozic
Often the first voice clients hear — bringing empathy, clarity, and extensive lived experience.
Client Services & Operations
Onboarding, implementation, workflows, and administration — keeping everything moving smoothly.
How to begin a considered relationship
If you’d like to explore which engagement level fits, the process begins with a conversation.
Get in touch
Start with a no-obligation conversation with one of the HFI team members.
Discovery
Meet with an adviser to discuss your situation, priorities, and goals in detail.
Proposal
Receive a recommended engagement level with clear scope and fees provided in writing.
Proceed
HFI prepares the agreement, advice documentation where needed, and supports implementation.
Common questions
Important information
The information on this page and in the brochure is general in nature and should be read together with the Health & Finance Integrated Financial Services Guide, Professional Fees Schedule, and Ongoing Service & Fee Agreement.
Ongoing advice is not appropriate for every client. Where a structured and continuing advisory relationship is in your best interests, HFI will recommend it. Where it is not suitable, the team will say so clearly.
External costs such as legal, accounting, platform, or transaction fees are not included in the ongoing service and may be passed on at cost.
Fees may be paid directly or, where permitted, deducted from an eligible account with annual written consent. You can withdraw consent and stop the arrangement at any time.
Download the Ongoing Financial Wellbeing brochure
Engagement levels, full inclusions, fees, next steps, and important disclosures.
Last updated: May 2026