We’re here for the long haul.
Why Choose YHFP?
- Transparency in costs, disclosed from initial discussion
- Advisors with many years experience in producing results
- Service Agreements to match client needs
- We deliver what we promise
- Compliance Audits validate our high quality advice
Planning for the Future
Your initial interview establishes a rapport and an understanding of what is important from you, the client’s perspective.
This might be termed goal setting. If you refer to our Mission Statement, it accurately reflects that the client’s best interest must be the basis for any planning or advice.
This might start out as identifying what income is available verses the fixed and unavoidable cost of living.
From there it comes down to identifying what is important to a client because their needs are individual and special.
Protecting what is most Important to YOU
Whether retiring or employed, your most important asset is yourself. Protecting your financial well-being might come down to a strategy to ensure income lasts a
In the case of a younger person, their goals generally revolve around asset protection by ensuring that income and the ability to support yourself and a family is protected. This essentially means affordable insurance that protects against the unknown and safeguards against what might be a financial catastrophe in the event of illness, disability or death.
For the retiree or those building wealth, having a strategy that caters
"Our clients best interests are central to all of our endeavours"
Personal & Business InsuranceInsurance provides the peace of mind of knowing that you, your family or your business do not suffer financially as a consequence of death, disability or illness.
Retirement PlanningTransitioning to retirement or already retired?
Tax Effective Investment and SuperannuationWe work with you to take advantage of the concessionally taxed superannuation environment, including superannuation consolidation, asset allocation and portfolio construction, investment types, and compliance with contribution and withdrawal regulations.
Investment strategy adviceAdvisers must consider each client’s individual goals and objectives and guide them through the various investment options that aligns with those goals.
Structured Ongoing ReviewA critical component of any longer term planning is to regularly review the decisions made in light of your financial circumstances, the legal and economic environment of the day, and the options available to you.
Estate PlanningEstate planning is more than preparing a Will. It involves the preparation of documents to ensure your financial affairs are managed in your absence, and passed to your family or other chosen parties.
Aged Care Financial StrategyAs accredited aged care financial strategists, we have the skills to assess financial position, expected aged care costs, advise on funding options and how to lessen the burden both in aged cares fees and Centrelink benefits.
See also Manning Great Lakes Pensions and Aged Care Financial Solutions
A separate entity to the financial planning service assists clients with pension and aged care claims.
To be the best at what we do
Today’s complex and uncertain investment markets can make it difficult for individuals to select and manage their investments in an educated and consistent manner. Yet, financial security is vital to support quality of life – not only now, but in the many years to come.
The name “Your Heritage” is about good old fashioned Aussie country values, integrity and service where you and your family’s future is paramount in the service culture of our business.
Our planners are Authorised Representatives of Alliance Wealth Pty Ltd (AFSL 449221). The team at Your Heritage Financial Planning is focused on delivering exceptional service and advice. We believe that building a solid foundation will hold us in good stead to fulfil our goal of being a professional and respected financial planning practice.
What our Clients Say
We are a young couple with two children. We were encouraged to seek advice from YHFP and Alan Tickle.
He literally changed our lives.
He started on a journey on where we are to where we wanted to be and set up a easily understood plan for us to follow.
Along the way, he examined our existing superannuation and he noticed there was disability insurance in place for my husband, who is disabled.
We wanted to close the superannuation, but Alan advised not to and instead lodged a claim on the disability insurance. He argued with the insurer during the claims process when they attempted to refuse the claim, resulting in a substantial payout from the insurance.
It doesn’t stop there, he queried why I changed superannuation providers and the attached insurance.
He found that we were wrongly advised to change funds because the insurance was inferior and more expensive. He helped us lodge a complaint and we received a significant refund back into our superannuation from the Bank who gave that advice, to cover the next 20 years of additional premiums.
We since referred both parents, who are equally over the moon with the service, advice and the confidence they now have.
We are now financially secure
Jonathon Tickle, is our age but has heaps of experience. It’s great to know that he is there for the long haul as our needs change.
We started our discussion with considering our income and what spare cash we could set aside. From there we set some savings goals for a home deposit. We soon realised that without income, all our hopes & dreams fall apart.
The insurance he set up gave us that security, ended up less expensive than what we had but with premiums locked in, it will save thousands over the expected life of the policy.
Jonathon then put us in contact with a mortgage broker who helped us own our first home.
We also established an education fund through Jonathon, that grows from both government support plus taxation benefits, for our children’s education.
My husband and I saw Alan about six months before my husband passed away. We knew he was terminally ill and we were concerned that the remaining assets would mean that I would lose my aged pension and the associated benefits.
A family conference resulting in a change in asset structure and the provisions in my late husband’s Will, has kept me on pension. The family arrangement has meant that I have not been impacted financially.
This would not have occurred without Alan’s guidance as the solicitor was not across the Centrelink assessment issues.
Book an appointment with one of our specialists today.
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12 Albert St
Taree NSW 2430
PO Box 650 Taree NSW 2430
Phone: 02 6551 2333
Fax: 02 6550 0551