Financial Planning

With APS Financial Planning, leverage a proven framework for success


I want to…

Get in contact about financial planning

Save more, invest smarter and build wealth on your terms with APS Financial Planning

Avoid money mistakes

We’ve seen it all so you can sidestep dodgy advice

Plan for success

Build a financial plan with measurable outcomes

Clarify your goals

Set a personal or financial goal and be confident about the future

Stress less

Worried about money? Let’s take the stress out of finance

Our promise


Owned by our members


No investment commissions


Client focused

How it works:

Share your goals

Meet with our advisors and we can discuss your goals, as well as the tools available to you

Create a financial plan

Our advisors will help create a plan that will meet your personal and financial goals

Stay on target

Manage the progress towards your financial goals and any hurdles along the way

Hear from our members

I found out more in two hours with you than in four years with my previous financial adviser.

APS Benefits Member

Not only have I saved thousands in tax, but I now understand where I am going financially. Thank you so much.

APS Benefits Member

Tailored to suit your personal needs



Retirement Planning

Savings Plans

Life Insurance

Income Protection

Meet our specialists

Timothy Foster

Timothy is a Certified Financial Planner, Life Risk Specialist, a member of the Financial Planning Association and holds an Advanced Diploma in Financial Planning. Timothy has more than 25 years’ experience within superannuation (especially Public Service superannuation), banking, accounting and financial planning organisations (both in Australia and overseas). His ability to explain complicated strategies and finances in a clear, simple and understandable manner, places him in high demand to speak at seminars and conferences throughout Australia.

 Timothy Foster's qualifications include Certified Financial Planning (CFP), Life Risk Specialist (LRS) & Advanced Diploma of Financial Services (Financial Planning).

Paul Hatzigeorgiadis

APS Financial Planning is proud to introduce our new Financial Planner, Paul Hatzigeorgiadis. Paul has over 25 years’ experience in the financial services sector, commencing his career in 1996. Throughout this time Paul has seen how his quality advice helps people to get through tough times and enjoy the good times.

Over Paul’s history, he has provided advice to an extensive range of clients, ensuring he understands their individual needs and future goals.

Talk with Paul for an appointment today on (03) 9322 2000, 1300 131 809 or email paul.h@apsfinplan.com.au.

   Financial services guide
   Timothy Foster and Paul Hatzigeorgiadis • PDF • 331KB

Want to build your financial knowledge?
Our Financial Knowledge Centre contains easy to understand information, videos, calculators and quizzes to help you stay on top of your money

We’re here to help

Write to us


1300 131 809
8:30am to 5:00pm


Send us an email at

Drop in

440 William Street, West Melbourne VIC 3003

Read next

Financial planning services are provided by APS Financial Planning Pty Ltd. APS Financial Planning Pty Ltd and its Advisers are authorised representatives of Fortnum Private Wealth Ltd – ABN 54 139 889 535. AFSL 357306.

FREE E-BOOKEverything you need to know about making a Will

This free e-book will step you through the process of making a Will and answer all of your questions along the way!

Welcome to the new APS Benefits website

We would love your feedback in a quick survey