Finance and Wealth > Financial Planning
Financial Planning
Save more, invest smarter and build wealth on your terms with APS Financial Planning. We’re focused on your goals, and don’t take investment commissions.
Financial planning advice and strategies
Our friendly financial advisors are here to create personalised strategies that align with your goals. Whether you’re focused on building wealth, putting a retirement plan in place, or securing your family’s financial future, our team will guide you with clear advice and genuine care.
Benefits
Qualified experts
Our team consists of certified financial planners and licensed financial advisors who have over 50 years of combined experience in financial planning and wealth management.
Proven track record
With decades of experience serving clients in Melbourne and Australia-wide, we have built a reputation for delivering insightful financial advice and achieving tangible results.
Tailored advice
We believe that no two clients are the same. Our financial planning is always personalised, reflecting your unique financial circumstances and goals.
Ethical standards
We provide transparent and honest advice. We don’t receive any investment commissions or other kickbacks, meaning that we are committed to acting in your best interests at all times.
“I found out more in two hours with you than in four years with my previous financial adviser.”
– APS member
“Not only have I saved thousands in tax, but I now understand where I am going financially. Thank you so much”
– APS member
How it works
Goal-oriented planning
We start by understanding your personal and financial goals. Whether it’s buying a home, saving for your child’s education, or securing a comfortable retirement, we tailor strategies that are specific to your needs.
Stay on target
We assess your risk tolerance and provide strategies to mitigate risks through diversified investment portfolios and insurance solutions, helping protect your wealth against unforeseen circumstances.
Comprehensive wealth management
We use a holistic approach to manage all aspects of your financial life, including investments, estate planning, tax strategies, and insurance solutions, ensuring that every part of your financial plan works in harmony.
Regular reviews and adjustments
Financial planning is an ongoing process. We continuously monitor your financial plan and make adjustments as your life circumstances change, ensuring that you remain on track to achieve your financial goals.
Our Financial Planning Specialists
With over 25 years of experience each, Tim and Paul bring a wealth of knowledge and a personal touch to Financial Planning at APS. Tim launched our Financial Planning department in 2006 and is known for his simple, straightforward strategies that help clients maximise their financial assets. As a Certified Financial Planner (CFP), Life Risk Specialist (LRS) and Advanced Diploma holder, he also has extensive expertise in Government Superannuation funds and is often called upon to share his knowledge at seminars. Paul’s background spans wealth creation, cash flow management, retirement planning, Centrelink strategies, insurance, debt minimisation and superannuation. He has guided clients from all walks of life, from wealth accumulators to retirees, and takes pride in making financial advice clear, practical and supportive. Together, Tim and Paul take the time to listen, understand, and tailor strategies that give you clarity and confidence at every stage of life.
Ready to create a confident financial plan?
Partner with our friendly Financial Planning experts who are committed to making your goals a reality.
Financial Planning FAQs
What is financial planning?
Financial planning is a holistic process designed to help you or your family achieve long-term financial goals through the management of financial resources. It involves creating a roadmap based on your financial situation, goals, and risk tolerance.
What is a certified financial advisor?
A certified financial advisor is a professional who has met the required educational, examination, and experience criteria set by a recognised financial planning body. All APS financial advisors are certified and equipped to provide sound financial advice, always acting in your best interests.
What do financial planners do?
Financial planners help you to understand your current financial circumstances, define your monetary goals, and develop a plan to reach those goals. They guide budgeting, investing, tax planning, estate planning, risk management, and retirement planning.
How do you choose a financial advisor?
Choosing a financial advisor involves several steps:
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- Checking credentials: Ensure the advisor is qualified and licensed.
- Evaluate experience: Consider their experience in financial planning and their speciality areas.
- Understand fees: Be clear about how they are compensated and what costs you might incur.
- Assess compatibility: Ensure their communication style and planning approach align with your expectations.
How much does it cost for a financial advisor?
The cost of hiring a financial advisor varies depending on their fee structure. Some advisors charge a flat fee, others a percentage of the assets managed, and some may use a combination of fee structures. Transparency in fees is crucial, and it’s something we prioritise at APS to ensure there are no surprises.
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Notices & downloads
| Financial services guide Timothy Foster and Paul Hatzigeorgiadis (PDF, 331KB) |
Download |
Important information
APS Financial Planning Pty Ltd and its advisers are Authorised Representatives of Beryllium Advisers Pty Ltd ABN 30 646 510 769 AFSL 528250