We help people whose finances are shaped by health, disability and legal events — and the professionals who support them. Our role is to improve outcomes and minimise risks by aligning strategy, documentation and timing with how the rules are administered.

Individuals with disability

• Medical retirement, TPD/IP claims and post-claim strategy
• DSP and Age Pension interactions with super, trusts and payouts
• Accessible cashflow planning that fits treatment and support

Families & carers

• Special Disability Trusts (eligibility, spending rules, records)
• Cashflow, housing and contingency planning for dependants
• Coordinating with lawyers, trustees and treating specialists

Independent retirees

• Using contributions, drawdown design and buffers to manage volatility
• Home sale proceeds — temporary assets-test exemption & evidence
• Coordinating super, non-super and Centrelink assessments

Trustees & appointed financial managers

• Purpose-aligned spending & investment policies
• Approvals logs, reviews and minutes that stand up to scrutiny
• Training and handover for successor trustees

Professionals (lawyers, planners, advocates)

• Joint clients across claims, settlement & estate structures
• Expert reports (financial modelling, compliance documentation)
• Coordination with medical evidence and trustee duties

Tax Smart Wealth Builders

• Portfolio design aligned to goals, risk and tax position
• Ownership & asset-location choices across entities
• Rules-based rebalancing, records and review rhythm

Do you feel like you don’t fit? That’s ok. We know this feeling well. Let us customise our service to you. All you need to do is discuss your needs and we will do our best to help!

• Gifting & deprivation: recording purpose/timing, phasing support and reporting consistently
• TPD/IP claims: evidence coordination, trustee/insurer liaison and post-claim drawdown design
• Home sale proceeds: using the temporary assets-test exemption with clean documentation
• SDTs: eligibility, spending policy, allowable discretionary amounts, and trustee records
• Non-super portfolios: tax drag, entity ownership and rebalancing rules

1. Clarify the decision and the rules that apply — what counts, what’s exempt, and who decides.
2. Design the strategy — timing, account order, ownership and evidence to support compliance.
3. Document & coordinate — with trustees, doctors, lawyers and Services Australia where relevant.
4. Implement & review — set rebalancing/withdrawal rules and a simple record-keeping rhythm.

We support compliance and aim for better, benefits-aware decisions. Eligibility and payment decisions are made by Services Australia and other relevant bodies. Investment outcomes are not guaranteed.

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We triage urgent cases (claims in progress, income loss). You’ll receive a written scope and fees before we proceed.

General advice disclaimer
The information on this website is general in nature and does not take into account your personal circumstances, objectives or financial situation. You should consider whether the information is appropriate for you and seek personal financial advice before making any decisions.

Performance & case-study disclaimer
Case studies are illustrative only. Eligibility decisions rest with Services Australia and other relevant bodies. Past performance is not a reliable indicator of future performance.

AFSL statement
Health & Finance Integrated is a Corporate Authorised Representative of Able Financial Services (ABN 27 646 319 164) AFSL 530596, Shop 6/23 Hassall Street, Parramatta NSW 2150.