Financial Planning

Financial planning is more than investing money — it is about providing you and your family the
ongoing security you need to live a financially independent and financially well life.

Service Overview

Why Do You Need Financial Planning?

Professional planning goes beyond managing investments. It offers a clear roadmap to achieve your goals, from retirement planning to wealth preservation, through a tailored and strategic approach to your wealth-building strategy, offering you the following key benefits: 

  • Unlock Your Financial Potential: Sound financial planning empowers you to make informed decisions about your assets, safeguard your future, and achieve your long-term goals – with greater clarity and confidence. 
  • Maximise Your Wealth: Our personalised strategies help optimise your investments, minimise taxes, and ensure your assets work as hard as you do. 
  • Peace of Mind for Today and Tomorrow: Financial security reduces stress and allows you to focus on what matters most – your family, your passions, and living a fulfilling life.

What is Financial Planning?

Financial planning is a collaborative process that tailors strategies to your unique circumstances. It considers your income, assets, liabilities, and aspirations to create a holistic and comprehensive financial strategy tailored to your financial situation and goals.  To achieve the best outcome involve working through the following critical items with an accredited financial adviser:

In addition, our THG financial adviser will:
  • Assess what portfolio risk level suits you, considering your risk tolerance, cash flow needs, and capacity to recover from market corrections.
  • Work with you to determine your preferred portfolio style and fee budget.
  • Explain the benefits of managed account services and assess with you if they are suitable for you.
  • Identify what specific tailoring, if any, would be appropriate for you. E.g. 
    • Do you have investments that should be retained for tax or other reasons?
    • Are there certain investments you never want to own due to employment restrictions for other issues?
    • Investments that would sit outside your managed account portfolio that would enhance your overall portfolio & achievement of goals Just a sample text from heading element.

Types of Financial Planning

From accumulating wealth for retirement to navigating complex tax strategy, or from expanding and growing your investment portfolio to preserving your wealth for your family and your future generations – The Hopkins Group offers a holistic range of specialised financial planning services for your needs:  

Our Core Wealth-Building Process

A Holistic, Financial Advisory-Led Wealth-Building Solution

The Hopkins Group is an award-winning holistic wealth-building firm with over 32 wealth-building services and products available, covering the entirety of your wealth-building journey, including:

We pride ourselves on our ability to provide integrated, holistic service offerings to you under one single roof, no matter where you are in your wealth-building journey: 

As a testament to our deep capability in offering holistic financial & property advisory, we were named by the Independent Financial Association (IFA) ‘Holistic Advice Firm of the Year’ in 2022 and 2023, as well as ‘IFA Excellence Award – Company’ in 2023.  

Please download our capability statement here for more information on our holistic service offering and capability.  

Our Client-First Wealth-Building Strategy  

We understand that the best strategy starts with our clients. We do so by implementing a client-first wealth-building strategy for every one of our financial planning clients:  

THG Investment Philosophy  

Successful investing goes beyond individual stock selection. At THG, asset allocation is the cornerstone of a strong portfolio. This refers to the strategic mix of different asset classes (e.g., stocks, bonds, cash) within your portfolio, and it's the primary driver of your returns.  

Furthermore, THG adopts a conservative approach in wealth-building and wealth management, with a tiered approach in our investment process to ensure we protect, preserve and grow your wealth sustainably without exposing your assets to excess risk:  

Why Do You Need Financial Planning?

Our Key Advantages

1. A Truly Holistic & Integrated Wealth-Building Firm 

Go beyond portfolio management. THG provides a comprehensive wealth solution with over 32 integrated services across the five critical wealth-building areas, including wealth-building & strategy planning & compliance, property investment & management, accounting & back-office support and family-office solutions.

2. Over Decades of Deep Industry Experience Across Financial Planning & Property Investment    

Leverage proven experience. With 44+ years in financial planning and property investment, we bring a deep understanding of wealth creation strategies to help you confidently navigate complex financial decisions.

3. An Award-Winning Firm Trusted by Our Clients 

Experience you can trust. We are a multi-award-winning financial advisory firm. A two-time winner of IFA's 'Holistic Advice Firm of the Year' and a recipient of the 'IFA Excellence Award – Company', our deep experience is industry-recognised and is trusted by hundreds of our clients.

4. World-Class Compliance & Risk Framework

Complete Peace of Mind. Led by our Head of Advice, Shane Light, who has over 20 years of experience across key Australian auditing bodies, including Aon Australia and Sentry Financial Service Group, our compliance and risk framework ensures the highest quality of our service and the security of your investments and assets.

5. Integrated Family Office Solution Under One Single Roof

Simplify your family's financial future. Our integrated solution combines financial planning, wealth management, estate planning, and more under one roof. This comprehensive approach ensures your legacy is protected and your wealth is positioned to grow across generations.

6 . Client Empowerment Through Education & Partnership

Empower your financial journey. We empower you with financial education and actively collaborate with you to ensure your strategy is tailored to your specific needs and requirements. This approach equips you to make informed decisions and confidently achieve your long-term financial goals.

7. Absolute Reporting & Performance Transparency

See your wealth grow clearly. We offer absolute reporting transparency, providing easy-to-understand insights into your portfolio performance and investment strategies. This empowers you to stay informed and make confident decisions about your financial future.

Our Holistic Service Offering

Financial Advisory & Coaching

Financial advisory services go beyond simple investment management, and it is a complex endeavour, requiring ongoing analysis, strategy development, and implementation.
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SMSF & Superannuation Advice
A SMSF & Superannuation is a specialised type of superannuation fund where you, as the trustee, have complete control over the investment decisions. This offers greater flexibility than traditional retail or industry super funds, allowing you to invest in a broader range of assets and potentially optimise your long-term returns. However, managing an SMSF & Superannuation is a complex undertaking. It requires a deep understanding of superannuation regulations, investment strategy, and ongoing administrative tasks like tax reporting and compliance. This can be time-consuming and overwhelming for busy individuals.
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Estate & Succession Planning

Estate and succession planning involve creating a comprehensive strategy to distribute your assets after your passing. This includes essential documents like wills, trusts, and powers of attorney, which dictate how your beneficiaries will receive your inheritance.
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Retirement Planning  

Retirement planning goes beyond simply accumulating savings. It involves a comprehensive strategy that addresses income needs, tax implications, healthcare considerations, and your desired lifestyle in retirement. This can be overwhelming, especially when navigating complex financial products, investment decisions, and potential changes to government benefits.
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Trust Establishment & Management  

Protecting your legacy and ensuring your assets are distributed as you intend requires careful planning. Trusts are legal structures that allow you to transfer ownership of assets (such as property, investments, or cash) to a trustee, who then manages them for the benefit of beneficiaries that you can nominate.
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Family Office Service  S

Managing a significant pool of assets and navigating complex financial decisions can be overwhelming. Our Family Office service offers a personalised solution, integrating financial planning, investment management, and strategic guidance for a cohesive approach to your long-term wealth goals.
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Insurance Review & Planning  

Understanding and managing your insurance portfolio can be complex. Multiple policies with varying coverage types, changing life circumstances, and evolving risk profiles can make it difficult to ensure you have the right protection in place. Our insurance review and planning service provides a clear and comprehensive approach to safeguarding your financial future.
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Intergenerational Wealth Transfer  
Intergenerational wealth transfer involves planning the distribution of your assets to your beneficiaries after your passing. While this may seem straightforward, it can become intricate due to factors like tax implications, family dynamics, and asset types.
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Invesment Management & Asset Protection  

Building wealth takes time and dedication. However, unforeseen circumstances and market volatility can threaten your financial security. Investment management and asset protection aim to mitigate these risks while ensuring your assets grow over time.
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Managed Account

Investing for long-term wealth creation can be a complex endeavor. Market research, asset allocation, and ongoing portfolio adjustments require significant time, expertise, and emotional discipline. A Managed Account offers a solution by placing your investment decisions in the hands of a trusted financial advisor.
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Expat Financial Advice

Managing your finances becomes even more intricate when you live overseas. With over 15 years of experience in Expat financial advice, THG has established strong relationships and partnerships with various international tax advisors and specialists and a deep understanding of the UK and the US’s unique landscape and requirements, such as the National Insurance Scheme Payment/ 401k.
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Tax Strategy & Optimisation

Australian tax regulations can be complex, especially for those with significant assets or income. Our tax optimisation strategies help you navigate the system legally and efficiently, minimising your tax obligation and maximising your after-tax wealth
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Aged Care Specialist

Planning for aged care can be a complex and emotionally charged process. Understanding the financial implications, navigating government regulations, and optimising your assets for potential care needs require specialised knowledge.
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Lending Strategies & Debt Management

Debt can be a powerful tool for building wealth, but Navigating the complexities of loans, interest rates, and repayment structures can be challenging. Furthermore, DIY debt management might lead to missed opportunities for lower rates, inefficient allocation of funds towards high-interest debts, and difficulty reaching long-term financial goals.
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Are you an Advisor?

Are You a Financial Advisor Looking to Partner with an
Established Agency?  

Since 1981, our corporate purpose is focused on the provision of an integrated and holistic approach to wealth-building. An award-winning, industry leading holistic financial advisory and property firm in Australia with a well-established professional network, THG empowers our financial advisers to motivate and assist our clients to live and achieve a lifestyle of their choice. We do this by providing our advisers the support and resources needed to deliver exemplary financial services and products correct to the client’s circumstances:
To Explore A Partnership With The Hopkins Group, It Is Simple As The Following 1,2,3: