After TPD approval
After a TPD approval, it can be difficult to know where to begin. HFI helps you understand your financial position, the information still needed and the decisions ahead, at a pace that works for you.
A home, a loan, everyday expenses and family responsibilities can all compete for attention. We help you identify the immediate needs and the longer-term goals the benefit may need to support. Your health and capacity to deal with paperwork also matter.
An approval letter does not answer every financial question. HFI can review the information relevant to your advice, clarify financial matters with the fund and explain what needs to be considered before personal recommendations are made.
We explain the proposed advice scope, costs and next steps before chargeable work begins. You receive written recommendations as required and an opportunity to ask questions. Implementation arrangements are confirmed separately unless included.
Hypothetical illustration — not an actual client or result.
Imagine Bob’s TPD claim has been approved and he wants to buy a home. He also needs clarity about a trustee question and money for living costs. HFI would help clarify the financial information and assess the purchase goal alongside his future spending needs, before he commits.
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.
“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.
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.