CASHFLOW, BUDGETING & DEBT REDUCTION
Many of our clients advise us they have never prepared a budget, have no idea how much spare cash they have each fortnight and have no real plan. Now, let’s clarify before we even get started! We aren’t here to put you on a tight budget and prevent you from having fun…. We are here to understand how your money is currently working for you and how it could work better for you, as this will change at different stages of our lives.
Superannuation is simply a savings fund set aside throughout your working life to provide for your retirement. Superannuation can also enable funding of insurance policies and benefits in the event of death, illness or accidents.
HM Financial Partners are able to provide advice on all superannuation including industry funds, retail fund as well as Self-Managed Super Funds.
If you’d like your money to start working for you, it’s time to learn about investing. Everyone has different needs and circumstances but here are some basics to consider. We recommend you speak with Vanessa or Kym, the Partners of our practice to obtain financial advice before you start putting your money into any form of investment.
WEALTH PROTECTION & PERSONAL INSURANCE
Wealth protection incorporates a variety of strategies and insurance products to protect you, and the wealth you've generated. HM Financial Partners offer advice that is aimed at your best interest and can consider any insurance company. We are not owned by a bank and we are not owned by any financial institutions, this means for you that we can recommend that insurance company that best suits your needs.
Estate planning is the management of your affairs to ensure a smooth transfer of wealth to beneficiaries. The professional team of ladies at HM Financial Advisory are compassionate and experienced in transferring assets smoothly, tax effectively, and in accordance with your wishes. We will work closely with your Solicitor to ensure your instruction are draw accurately and are effective.