Superannuation SMSF

Retirement Planning Geelong

Superannuation and SMSF Specialists

Building wealth for a comfortable retirement should be part of everyone’s wealth-creation strategy. Our Geelong-based Hrkac Group Financial Services team has a wealth of financial planning knowledge and expertise to establish a superannuation investment strategy suitable for your future.

HG Financial Services financial planners are experts when it comes to superannuation. This includes Self Managed Superannuation Funds (SMSF), which also include asset protection and tax-effective strategies. These strategies are put in place to ensure you are gaining every possible financial advantage you can.

Don’t be afraid of taking that step to take full control of your Superannuation. The HG Financial Advisors are superannuation specialists and will be with you every step of the way by providing the superannuation management advice you need to gain the best possible financial outcomes from your superannuation investments.

The HG Financial Services expert financial planners can also assist you with Investment Advice and Personal Insurance Advice.

Get your expert local advice on retirement planning Geelong

Take control of your Superannuation, SMSF and wealth creation needs with confidence today. Meet with our financial planning experts at HG Financial Services by making an appointment with us.

Reach out via our Contact Us page, or alternatively, you can phone us on (03) 5221 2355 between our office hours of 9 am and 5 pm, Monday through to Friday.

Financial Advice Geelong

Protect yourself and your family with personal insurance.

If you were struck down by sickness or injury and were unable to work, what would happen to your family? Would they be able to maintain their lifestyle without your income? The Geelong Financial Planning experts at HG Financial Services can assist you with Personal Insurance and financial advice. We are here to give you and your family the financial security you all need, and deserve.

Protect the value of your assets for your elected beneficiaries with expert Estate Planning advice by the Geelong Financial Planners at HG Financial Services.

Our Personal Insurance advisors will assess your family’s unique financial needs and establish a Personal Insurance plan that will ensure they will financially cope in the event of an accident, illness or death. Our insurance options include Income Protection Insurance, Life Insurance, TPD and Trauma Insurance.

Find out more about our highly trained Financial Planners and Investment Advisor specialists at the HG Financial Services by visiting our About Us page.

Contact the Hrkac Group for expert Financial Advice Geelong

Take full control of your Personal Insurance needs by meeting with the Geelong financial planning experts at HG Financial Services. Make an appointment today to see a Geelong Personal Insurance advisor. You can book in with us by visiting our Contact Us page, or alternatively phone us on (03) 5221 2355 between the hours of 9 am and 5 pm Monday through to Friday.

The Geelong-based lawyers at The Hrkac Group are well-experienced in Wills and Estates and can assist you in these sensitive matters and making a Will Geelong.

Often the last thing we want to think about is making a Will. Our Geelong-based legal team has the right advice to help you make the right decisions. Professional advice when making a Will and putting Powers of Attorney is advised so that you can get on with living your life.

Our team can assist with the following:

  • Drafting & updating Wills (including Wills with trusts)
  • Appointing a financial attorney under an enduring power of attorney
  • Appointing a personal attorney under an enduring power of attorney (formerly known as guardianship)
  • Appointing a medical treatment decision-maker

 

Making a Will Geelong – FAQs

Making a Will involves the creation of a legal document that sets out your wishes for what you would like to happen to your estate when you are no longer here, which takes effect after your passing. Having a valid will can give you peace of mind that your estate will be distributed to your beneficiaries as you intend, and in addition, provides your loved ones with legal protection to ensure your wishes are complied with.  

What if I die without a current Will?

If you die without a current Will, the law will decide what happens to your estate. This may mean that your estate is not distributed in the way that you wish. Your estate could also be distributed in accordance with an old Will. If no will exists, the court will appoint an administrator to distribute your estate following legal rules known as the rules of intestacy, which means your assets may go to your spouse or domestic partner, children or parents, or more distant relatives. If you have no living relatives, your property will go to the State.

Do I need to choose an executor?

An executor is a person or trustee company that will manage your estate after you die. Your Will names the executor and gives them the power to deal with your estate. This is in accordance with the terms of your Will. Your executor could be a family member, friend, lawyer, or other professional, such as an accountant or trustee company. When choosing an executor, it is advised to consider their circumstances and skill set to decide if they are suitable.

Who is legally entitled to benefit from my estate?

You are expected to take care of any dependents in your Will if they need your help and you have the resources. Dependents may include your partner or children, even if they are adults. If you don’t include these people, they may be able to challenge or contest your Will. If their claim on your estate succeeds, the court will make an order to give some of your estate to that person. 

Learn more about the Will making process >

Learn more about deceased estates >  

 

Power of Attorney – FAQs

What is a Power of Attorney?

A Power of Attorney is a legal document that authorises the person you nominate to act on your behalf. Should you be unable to yourself, due to mental illness, physical disability, or simply because you are not currently available. It takes effect during your lifetime and gives someone else the authority to make decisions and execute documentation for you whilst you are not in a position to do so.

What are the different types of Power of Attorney?

  • Enduring Power of Attorney: At a time of your choosing or at the point where you no longer have the capacity to make decisions about your finances, your property, or paying your bills, an attorney appointed by you as an Enduring Power of Attorney will have the legal authority to act on your behalf to ensure your best interests are taken care of.
  • Enduring Power of Attorney (Medical): Wherever possible, your Attorney appointed as Medical Power of Attorney will be able to accept or refuse medical treatments, surgeries, and medication on your behalf. There are restrictions to their range of power.
  • General non-enduring power of attorney: Appointed to make financial decisions for a specific purpose or set period of time (generally used in companies and not initiated by illness).

Who can I appoint as my Attorney?

Generally, a spouse, partner, relative, or close friend is chosen as someone’s Attorney.

Keep in mind, that this person must:

  • Act in your best interest
  • Keep accurate records of their decisions on your behalf
  • Avoid conflicts of interest
  • Keep your finances and property separate from their own

You can limit their range of power by choosing the tasks they are responsible for and which they aren’t; you can also appoint more than one so that they must make joint or majority decisions. 

Learn more about Powers of Attorney >  

Take control of your future today and meet with the Geelong-based Legal team at The Hrkac Group. If you’re looking to make a Will in Geelong or appointing a Power of Attorney, our expert team of Geelong lawyers can assist. Make an appointment today via email or phone (03) 5224 2366

Deceased Estates

A Deceased Estate is formed when someone dies, and all property and/or belongings that were owned in their sole name that holds any monetary value. Most people are familiar with the concept of a deceased estate as containing valuable items to be distributed to beneficiaries. It is less well understood that when someone dies, the debts and liabilities that they held during life often continue and must be discharged out of the estate.

If you have dealt with a deceased estate before, it is never an easy thing to cope with. When loved ones pass away, there will come a time when their assets and liabilities will need to be settled.

Deceased Estates with the Hrkac Group Geelong Legal Team

Our team are experts in dealing with deceased estates and probate.

Our Geelong-based Legal team at the Hrkac Group understands this is a difficult time for any family. We will assist with getting your loved ones’ Estate matters resolved as smoothly as possible. This way, you can all move forward with your lives.

We will assist you with the following:

  • Obtaining Probate (where a valid Will is in place)
  • Letters of Administration (where no Will was in place)
  • Finalising the estate ensuring all beneficiaries have their entitlements promptly

If you have been left out of a will or received less than what’s fair, we can assist you in obtaining your fair share. We also specialise in making a will Geelong.

With help from our Geelong Legal Services team at the Hrkac Group, executors can carry out their loved one’s wishes as painlessly as possible.

Take control of your future today by meeting with the Geelong-based Legal team at The Hrkac Group. Make an appointment with our Legal team today via our booking link, email or phone (03) 5224 2366.

Trustworthy & Professional Commercial Leasing Advice

Opening a new shopfront? Moving your business offices to a new space? Relocating to a larger warehouse? It’s an exciting and somewhat stressful time taking out a new retail or commercial lease. Before you begin the whirlwind of fit-out, packing, and relocating, you need to ensure that there are no nasty surprises lurking within the terms of your new lease. Our expert legal team at the Hrkac Group can help with beneficial commercial leasing advice. We have the knowledge and experience to provide you with insight into the commercial property leasing process.

This includes:

  • Rent
  • Commercial lease agreements
  • Landlord rights

A commercial lease is a legally binding agreement between a landlord and a business tenant for the rental of property. Compared to a residential lease, commercial leases are more complicated as the lease terms can vary significantly from lease to lease and may also vary according to whether the lease is for commercial premises or retail premises. Before signing a commercial lease, both parties need to understand the terms and ensure they can meet all the terms and conditions.

There are various forms of lease agreement and with that, varying types of legislation. We can help you make sense of it all and guide you through the terms of your agreement to help you make the right decision for your business.

Commercial leasing needs to be structured strictly in accordance with the law. Take expert commercial lease legal advice from our team of commercial leasing professionals at The Hrkac Group. You need to know where you stand right from the start and HG Legal Services can assist you every step of the way.

Commercial Leasing Advice Geelong with The Hrkac Group Professionals

Take control of your future today by meeting with the Geelong-based Legal team at The Hrkac Group. Make an appointment today via email or phone (03) 5224 2366.

Geelong Lawyers

We have all heard of the line, “For better or worse, rich or poorer, in sickness and in health”. But as we also know, as in all aspects of life, things unfortunately don’t always go to plan.

Relationships break down. People move on. Subsequently, we are left with the daunting task of settling the accumulative assets of a life past.

Our Geelong Lawyers in the Hrkac Group Legal team each understand that this is an extremely stressful time in one’s life. A time when you will need guidance, professional advice and of course understanding. Our team will guide you through the preparation of your Divorce application. In addition, we will represent you in court to finalise your Divorce.

When it comes to the division of assets, we can help you there too. Whether you’re legally married or in a De Facto relationship, once your relationship breaks down, your joint assets will need to be settled.

In an ideal world, reaching an amicable agreement between you and your former partner would help you avoid the need for a lengthy, costly and stressful legal process. But even if you have reached an agreement you need to have that agreement legally recognised by way of Binding Financial Agreement or Consent Orders.

Obviously, if an agreement can’t be reached, then obtaining expert legal advice to ensure you receive the best possible outcome is paramount. Either way, our experienced Legal team is ready to help you with your Property & Family Law needs. We will be able to guide you through every step of the way.

Take control of your future today by meeting with our Geelong Lawyers at the Hrkac Group.

Our Geelong-based Legal team at The Hrkac Group are here to help with any matters relating to Family Law. Make an appointment today to meet with our team of professionals. Contact us via email or phone our Geelong offices on (03) 5224 2366 between the hours of 9 am and 5 pm Monday through to Friday.

Legal Services Geelong

Dispute and Debt Collection Agents

Disputes do come in all different shapes and sizes. A dispute could be anything from an argument with your neighbour over the correct positioning of your fence, to a car accident. You may even be having a dispute with your builder. Whatever the dispute may be, they can escalate quickly, leaving both parties feeling frustrated and uneasy. This can often create a tense and hostile atmosphere which we would like to ensure is avoided as best as possible. There is no need to worry, our team of Legal experts at The Hrkac Group are here to help you navigate through these hard situations with Legal Services Geelong!

You may have someone that owes you or your business money. You may be in a situation where you are being bullied into a payment that you feel is unjust. Which ever uncomfortable situation you may unfortunately find yourself in, our experts can act on your behalf in order to seek the best possible outcome for you.

Our Geelong-based expert Legal team at The Hrkac Group, will provide you with all the relevant advice and guidance through legal services Geelong. Providing you with all the necessary tools you will need in order to help resolve your situation or dispute. Our Geelong experts aim to have all matters resolved as quickly, cheaply, and as stress-free as possible so you can continue living your life.

Contact The Hrkac Group for all Legal Services Geelong

Go ahead and allow our experienced Legal services team to handle the situation for you. Know you will be in the right hands, and continue to move on and live your life without the added stress.

Ready to invest in the best legal services Geelong? Make an appointment with the Hrkac Group today and begin to take full control of your future! Meet with our Geelong-based Legal team. Book with us by sending us an email or phone us on (03) 5224 2366 during the business hours of 9 am and 5 pm Monday through to Friday.

Home Loan Geelong with our team of expert Mortgage Brokers

Finding the best home loan Geelong with the best interest rate can be made simple. How? With the helping hand of the team of expert Geelong-based Mortgage Brokers, located at The Hrkac Group.

Our expert Geelong mortgage broking team assists home buyers in finding property finance that suits each individual circumstance, tailored specifically to you and your family. Whether you’re a first-home buyer or upgrading to a larger home. You could be downsizing in preparation for retirement, refinancing an existing mortgage, or you could even be self-employed and in need of a low-doc home loan. Whatever the situation may be, we are here to assist you every step of the way. We will ensure to make the process as stress-free, and streamlined as possible.

Find the best Home Loan Geelong with The Hrkac Group

The Hrkac Group Geelong property finance services team has access to a range of home loans offered by both banks and non-banking lenders. With this in mind, our team are sure to find the right one for you.

Take that step and take control of your financial future today! Meet with our local Geelong Mortgage Brokers and home loan specialists at The Hrkac Group. Make an appointment via our Contact Us page, or phone our Geelong offices during the hours of 9 am and 5 pm, Monday through to Friday on (03) 5224 2366.

Residential Investment Finance for Wealth Creation from the best Mortgage Broker Geelong.

Investment in residential properties is a wealth creation tool. This tool is used by many investors that are keen to take advantage of building equity in investment rental properties via capital growth, and also the taxation advantages of owning an investment property. If you need the best Mortgage Broker Geelong to take advantage of the benefits of an investment property, The Hrkac Group certainly has you covered.

Geelong investors’ property loans are offered at The Hrkac Group via its mortgage broking services. Our expert team will assist clients in building an investment portfolio and achieving their wealth-creation goals.

The Hrkac Group residential investment finance team has access to a range of investment property loans. This includes ‘interest only’ options, which are offered by banks and non-banking lenders. Because we are Geelong’s Financial Planning specialists, we can also give you the investment advice you need. This will help you make the most of your property investments.

Ready to take control of your financial future? Meet with the Geelong mortgage brokers and residential investment loan specialists today! Make an appointment at The Hrkac Group today via our Contact Us page, or phone us on (03) 5224 2366 during the hours of 9 am and 5 pm Monday through to Friday.

Find the best Mortgage Broker Geelong at The Hrkac Group

Vehicle & Key Equipment Financing Specialists

The Hrkac Group have the best mortgage broker Geelong team of finance specialists, offering you the best financial advice. We will find you the Vehicle or Equipment Finance that offers you the best available interest rate, most flexible features and maximum tax advantages.

We are Geelong’s Equipment Finance and Car Loan experts assisting our clients, both private and small business, with loans including:

  • Consumer Car Finance
  • Hire Purchase
  • Finance Lease
  • Chattel Mortgage
  • Novated Lease
  • Low Doc Finance
  • Boat Finance

As well as car financing and key equipment finance, The Hrkac finance team can assist you with other types of loans including:

  • Geelong Home Loans
  • Residential Investment Finance
  • Small Business Loans Geelong
  • Cash Flow Funding
  • Commercial Building Finance and Geelong Commercial Loans

Find out more about the highly trained Geelong Car and Equipment Finance Brokers, Financial Planners, Investment Advisors, Accountants and Conveyancing specialists at The Hrkac Group in About Us or our FAQs.

Take control of your financial future by meeting with the Geelong car and business equipment brokers and home loan specialists at The Hrkac Group. Make an appointment today via Contact Us, or phone 03 5224 2366.

Vehicle Buying Service

You pick the car, we’ll take care of the rest.

We understand that it can be difficult and time consuming trying to source the best vehicle deal. Whether you are looking for a single vehicle or an entire fleet, our Vehicle Buying Service can eliminate the hassles.

Via our partnership with Morris Finance, you will gain a significant advantage in the negotiation process through our buying power, and as a result we are able to source a wide variety of makes and models at the best prices in the market place.

We give back your time and eliminate the stress of having to negotiate the price on your own.

Benefits

  • Australia wide service
  • Collective buying power
  • Competitive Prices
  • Established network
  • Personalised Service
  • Save yourself time & money

For further information about our Vehicle Buying Service contact The Hrkac Group Finance Department, on 5221 2355 or email paul@hrkacgroup.com.au

Geelong Conveyancer

Residential Conveyancing Services for Buyers and Vendors

Whether you are buying or selling your first home, the family home, or an investment property, it can be an exciting, but stressful experience. Far too often home buyers and vendors endure property settlement delays due to inadequate residential conveyancing. Having an experienced Geelong Conveyancer in residential property conveyancing to confidently guide you through the process and the legalities from preparing a vendor’s statement to the transfer of ownership will aid in your understanding of your obligations and help minimise any surprises.

Don’t take any chances with your Property Settlement – Proceed to engage the residential conveyancing experts at The Hrkac Group.

If you need a local Geelong conveyancer, our experienced team specialise in residential conveyancing and will do all they can to ensure a smooth property settlement. To ensure all legal and financial obligations are ready to be met, close liaison between all parties including real estate agents, solicitors, lenders, and the other party’s conveyancers is standard practice.

The Hrkac Group’s Geelong Conveyancing team is acclaimed for property market experience, industry insight, expert legal advice, and exceptional customer service.

In addition, you can find out more About our Geelong conveyancing services at the Hrkac Group, including:

Get the conveyancing advice you need by meeting with the Geelong conveyancing team at The Hrkac Group. Make an appointment with our team today via our Contact Us page or phone our offices Monday through to Friday from 9 am to 5 pm on (03) 5224 2366.

 

Commercial Leasing Advice with The Hrkac Group Geelong. The Local Conveyancing Experts

Commercial Property Conveyancing can be extremely complicated as often it’s not just settlement of the physical property that needs to be taken into account. If there are commercial tenants within that property, they will also need to be part of the process.

The Hrkac Group Commercial Conveyancing team has experience in all types of commercial leasing advice, including:

  • The sale and/or purchase of commercial buildings including shops, factories and offices
  • The sale and/or purchase of businesses
  • Liaison with commercial tenants.

Our conveyancing team at the Hrkac Group Geelong will work closely with all parties, including your real estate agent, lender, brokers and insurer to ensure that the commercial property transfer process is as simple, and straightforward as possible. It doesn’t matter whether you are buying, selling, investing or occupying.

You will also have the reassurance of knowing that our Investment Advisors, Business Accountants and Finance team are also on hand to give you all the commercial property purchasing advice you need.

The Hrkac Group can also assist commercial clients with their financial needs. Our Geelong commercial finance team assists with commercial property loans, business loans, small business loans, equipment finance and car financing in Geelong.

Local Expert Commercial Leasing Advice

If you’re in need of the services of a Geelong Conveyancer or want professional commercial leasing advice, meet with the team of local Geelong Conveyancers at The Hrkac Group. Make an appointment today via Contact Us page or phone our Geelong offices on (03) 5224 2366 between 9 am and 5 pm Monday through to Friday.