Life after a TPD payout
Make the benefit part of a plan for your life.
Receiving a TPD payout can bring new possibilities and responsibilities. HFI helps you understand your current financial position and make informed decisions about what the money needs to achieve.
Your goals come first
You may want to reduce a loan, explore buying a home, meet ongoing expenses or keep money available for future care. We assess those goals alongside your resources, family circumstances and financial priorities.
Specialist advice, clearly explained
We bring together relevant TPD, superannuation, tax, Centrelink and investment knowledge. Your personal advice explains the recommendation, its reasons, material risks and relevant alternatives so you understand what you are deciding.
A plan you can work with
We explain the engagement and implementation arrangements, including costs and who is responsible for each step. If continuing support is suitable, we can discuss an ongoing advice service separately.
Hypothetical illustration — not an actual client or result.
Jo wants less debt and more financial breathing room
Imagine Jo has received a TPD benefit and wants to reduce a home loan. Jo also needs money for living costs and future health needs. HFI would assess these competing priorities and explain the financial consequences before recommending how the available money could support them.
The appropriate advice and outcome would depend on the person’s circumstances, fund requirements and applicable rules. No saving, entitlement or purchase outcome is assumed.
What clients say
“I felt listened to, cared for and ultimately understood.”
Kirsten · Google review · 2025-12-15
Selected excerpts from public Google reviews. Reviews describe individual experiences and do not guarantee tax savings, benefit entitlements or future results.
Explore the next step
Read about HFI’s specialist TPD financial advice. Learn more about fees and engagement and the HFI team.
Questions about working with HFI
How do I get started?
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.
Can I involve a family member or professional?
Yes. Tell us who you would like involved and any communication needs. We confirm the appropriate authority, scope and communication arrangements.
Let’s make the next step clearer
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.
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.