Financial Advisor

Financial Planning

Financial success can look very different for everyone, whether it’s living debt-free, building an investment portfolio, or prioritising superannuation for early retirement. No matter what financial success looks like to you, there’s one thing that can accelerate your journey there, and that is a strong relationship with an expert Financial Planner.

When looking to engage the services of a local Geelong Financial Planning firm, it is important that their service offerings can accommodate your lifestyle and needs. Perhaps you are time-poor and prefer phone appointments, or value an active role in the management of your investments with regular reviews. At the Hrkac Group, our Financial Planning team are there when you need, and how you need, but there are certain times when scheduling an appointment may be required to keep you on track for financial success.


1. Annual Review

As a part of an ongoing advice service arrangement, your Financial Planner should review your financial position at least once a year. At this annual meeting, your Financial Planner will perform a thorough review of your position and current financial strategies. In particular, they should consider the following;


2. A big life change. 

Marriage, a new baby, death, divorce, moving home, the loss of a job and any other major life-changing event can impact your goals, taxes and debt significantly. Ideally, you should consult your Financial Planner if you’re going through any significant life changes at your earliest convenience.


3. Taking on significant debt. 

Purchasing a new car, a new home, starting your own business, or acquiring a large debt can also massively impact your financial plan. Your Financial Planner can help outline the advantages and disadvantages of such major financial decisions, and make amendments to your financial strategies to accommodate.


4. Coming into some money. 

If you have inherited a large sum of money or received a significant bonus or promotion at work, a boost to your finances could be a good prompt to meet with your Financial Planner. Your taxes, strategies, and the structure of your portfolio may be impacted. Your Financial Planner can provide insights and recommendations for investing your new windfall.


5. Estate planning

For any major changes to your estate plan, you should meet with your Financial Planner to ensure that your financial plan is structured correctly in light of the changes. Of course, your Financial Planner cannot offer legal advice, but they can ensure that your existing investments and strategies are supportive of your estate plan.


6. Retirement Planning

Preparing for the comfortable retirement you have earned through years of hard work should be at the top of everyone’s list. Whether it’s a distant thought or just around the corner, a Financial Planner can help determine your retirement income needs, maximise your retirement savings and give you the support you need to retire comfortably.


7. Sophisticated Investors

Whether you’re a sophisticated investor, highly diversified or simply prefer to actively monitor and engage with your portfolio, a more regular formal review may be beneficial. The right Financial Planner will be able to tailor an ongoing service package to meet your needs and offer monthly, quarterly, or biannual review services.


One size does not fit all when it comes to financial advice. Aside from initial meetings and annual reviews, financial advice can be beneficial at the many, various turning points in your life. You should always feel comfortable contacting your Financial Planner any time that you are making important decisions that may impact your finances.

If you’re interested in knowing more about what happens when you engage the services of a Financial Planner, speak to our expert Geelong Financial Planning team at The Hrkac Group. They work strategically with you to develop a tailored strategy aimed at achieving your desired financial outcomes.

Our Geelong Financial Planning team considers your individual needs, goals, and objectives. So, whether it’s retirement planning, wealth creation and management, superannuation advice or wealth protection and insurance, you can feel reassured knowing it can be handled under one roof at the Hrkac Group. If you’re looking for Financial Planning Geelong, look no further. To make an appointment to meet one of our friendly team today, feel free to contact us via email or phone 03 5224 2366.


This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication.