REDUCING DEBT

I had my first appointment with Shaun in 2004, I was in debt and needed some advice on how to best move forward and reduce my debt.

Following that over the last 6 years, Shaun has helped me to achieve many of my goals and build a personal financial portfolio. Some of the large goals he has helped me to achieve during this time was being financially able to buy a home and have the wedding I always dreamed of.

I look forward to continuing to work with Shaun to build on my personal financial portfolio and to work towards achieving my goals in the future.

Current Client
Kings Langley




REACHING OUR GOALS SOONER

When we finally acknowledged we didn’t have time to manage our finances, we decided to ask Geoff to do it for us. Little did I know how quickly our life would turn around. At our first meeting with Geoff we discussed our goals which were:

  • Pay off our personal loan, car loan, and credit card debt.
  • Renovate and decorate our home.
  • Get married.
  • Build a ‘cash reserve’ in case of emergencies.
  • Take out adequate insurance cover to ensure our wealth stays protected in the event of an emergency, disaster, or illness.
  • Review our current investments.
  • Minimise interest payments to the bank by paying off our home loan as quickly as possible.
  • Think about what we could be doing to make the most of our money now and in the future.

Our first meeting was pleasant, relaxed, and painless. Geoff helped break down our goals in to 12 months, 2-5 years, and beyond. It felt so good to hand over the responsibility of working out how to reach our goals to someone else. An emotional weight lifted off my shoulders.

At our second meeting Geoff presented us with a plan on how to reach our immediate goals. I was relieved to review our insurance needs, diversify our investments, and make a last will and testament. I was surprised and excited to learn how quickly we could pay off our personal loan, credit card debt, and car loan. And I was ecstatic to learn we had the cash to start renovating and decorating our home immediately!

As an added bonus and a complete surprise, we will be getting married much sooner than expected and starting our married life debt free (aside from the mortgage of course, which we are planning to pay down as quickly as possible after the wedding).

To keep us on track Geoff has also helped us with budgeting, and encouraged us to simplify and join finances. This has further unified our relationship and taken loads of stress out of daily living.

We count Geoff’s support in our life as a blessing and remain committed to meeting with Geoff regularly to review our finances so we stay on track. We know that by following Geoff’s advice we are creating the life we want.

Current Client
Sydney, New South Wales

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CONTROLLING MY FINANCES


I first met Shaun in 2011 at MLC North Sydney. I was recommended to Shaun through a family member who has been seeing him for their finances for a few years. My main reasons for seeking out Shaun’s Assistance were to help manage my finances as well as set up financial goals. It was also to help with my budgeting, superannuation and insurance.

Before I met Shaun, I thought that financial planners were only used by people with a lot of money and wanted to look at investing. After meeting Shaun, my perception has changed. He has helped me in many ways, such as setting up a budget that is workable for me and also helping me in setting up my financial goals. I feel confident in Shaun’s experience and knowledge of the market place and am very pleased he is my financial advisor. The things I enjoy most about working with Shaun are how he is approachable and up front, reliable and always willing to answer any questions.

Since I started using Shaun’s services, I now manage my budget every month, and can see where my money is going. My superannuation and insurance have been changed and set up in a way that will work best for me.

I would recommend Shaun as a friendly, approachable, organised, helpful person with extensive knowledge of the market and great communication skills. His help and services have made a big difference to me and I feel so much better knowing where and how I am actually spending my money. I feel comfortable knowing Shaun has set me up with the right insurance and superannuation for my circumstances. I feel so much more organised and stable in my finance now, after working on them with Shaun.

Current client
Neutral Bay

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PROVIDING A COMFORTABLE RETIREMENT

A work colleague who had been dealing with the company for some years introduced us to Hickman & Ritchard Financial Planning.

It was twelve years ago when we first met Geoff and discussed our financial position and preferred retirement plan. Within a week Geoff had prepared a submission highlighting various proposals with his preferred strategy to achieve our objectives.

Our conservative approach on long term investments by splitting them into income stream and capital growth meant that regardless of the market instability caused by 09/11 and the GFC our strategy remained good and sound.

Geoff’s long term plans, with six monthly portfolio reviews including proposals to better invest for the future, clearly convince us that our funds are in safe hands.

My wife and I highly recommend Hickman & Ritchard Financial Planning as you know that your hard earned savings will provide you with a comfortable retirement.

Current Client
Castle Hill, New South Wales

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FINANCIAL FLEXIBILITY & INDEPENDENCE

I have chosen to engage with Hickman & Ritchard Financial Planning because of a long term friendship and association with Geoff Hickman – and my confidence that Geoff is a knowledgeable professional, very trustworthy and able to offer very objective advice.

My goals when I started this exercise were to achieve financial flexibility and independence (and based on my evolving risk appetite) – so that I could establish a working arrangement with sufficient work-life balance and achieve greater flexibility in my working arrangements.

Geoff has been instrumental in achieving these objectives – through a mix of super and other investments – and despite varying market conditions over the last few years, long term performance has been very good. With the help of Geoff, I have achieved a degree of financial flexibility and independence.

Geoff’s advice always takes my own circumstances into account. He is always willing and available to discuss his investment advice, and most important, willing to change his advice as market conditions change. He is very client focussed, and able to explain the issues to my complete satisfaction.

Current Client
Sydney, New South Wales

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Advice Warning | Disclaimer | Privacy
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Advice Warning

This website is intended to provide general information only and has been prepared by Hickman & Ritchard Financial Planning (ABN 86050061348) authorised representatives of MLC Financial Planning (AFSL number 230692) without taking into account any particular person's objectives, financial situation or needs. Persons should, before acting on this information, consider the appropriateness of this information having regard to their personal objectives, financial situation or needs. We recommend persons obtain financial advice specific to their situation before making any decision regarding a financial product. Before acquiring a financial product persons should obtain a product disclosure statement from the product issuer and consider its contents with respect to their personal needs, objectives and financial situation. GWM Adviser Services Limited, trading as MLC Financial Planning, MLC Building, 105-153 Miller Street, North Sydney NSW 2060 Australia, is an Australian Financial Services Licensee and a member of the National Australia Group of companies

Disclaimer

The use of this site is subject to the following Terms & Conditions. Please read them carefully. Using the site means that you have read and accepted the Terms & Conditions.

  1. Hickman & Ritchard Financial Planning

    Hickman & Ritchard Financial Planning (ACN 86050061348) is an Authorised Representative of GWM Adviser Services Limited (trading as MLC Financial Planning, ABN 96002071749) an Australian Financial Planning Licensee with its registered office at 105-153 Miller Street North Sydney NSW 2060. A member of the NAB group of companies.
  2. Information contained in website

    This site provides information about the services of Hickman & Ritchard Financial Planning and certain other information. Hickman & Ritchard Financial Planning and GWM Adviser Services Limited (GWMAS):
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    c. make no representation in relation to, and are not responsible in any way, for any other site you access through this site; and
    d. own the copyright in the information in this site.
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    The information contained in this site is general information only made available to residents of Australia. It has not been prepared taking into account any person’s particular needs, financial situation or objectives and should be relied upon as a substitute for financial, accounting, legal, tax or other specialist advice. It is not intended to be a recommendation, offer or invitation to take up securities or other investments. You should seek advice from an appropriately qualified professional on whether the information is appropriate for your particular needs, financial situation and objectives.
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    Hickman & Ritchard Financial Planning will use its best effort to provide access to this site on a 24 hour basis. However, there may be an interruption of the service to facilitate the site’s maintenance or for any other reasons. Neither Hickman & Ritchard Financial Planning nor GWMAS will be liable to any person for interruptions to the service for any reason.

Privacy

Respecting your privacy and the law

The privacy of your personal information has always been important to us at Hickman & Ritchard Financial Planning. We are committed to respecting your right to privacy and protecting your personal information. We are bound by the National Privacy Principles in the Privacy Act 1988 (Commonwealth) and any relevant Health Privacy Principles under State legislation (1), as well as other applicable laws and codes affecting your personal information. Our staff are trained to respect your privacy in accordance with our standards, policies and procedures.

About this Privacy Policy

This Privacy Policy outlines how we manage your personal information. It also describes generally the sorts of personal information held and for what purposes, and how that information is collected, held, used and disclosed. Our Privacy Policy applies to all your dealings with us whether via our websites or an advisor. However, depending on the organisation with which you deal, further privacy information may apply in addition to the matters discussed in this Privacy Policy. We encourage you to check our websites regularly for any updates to our Privacy Policy.

Collecting your personal information

If you are acquiring or have acquired a product or service through us, we will collect and hold your personal information for the purposes of:
  • providing you with the relevant product or service (including assessing your application and identifying you)
  • managing and administering the product or service
  • protecting against fraud where it is a banking and finance, or insurance, product or service.
We may also collect your personal information for the purpose of letting you know about products or services from any organisation on our approved list that might better serve your financial, e-commerce and lifestyle needs or promotions or other opportunities in which you may be interested. The information collected may include your name, postal or email address, date of birth, financial details, tax file number, health information or other information the organisation considers necessary. We will, if it is reasonable or practicable to do so, collect your personal information from you. This may happen when you fill out a product or service application or an administrative form (e.g. a change of address form) or when you give us personal information. In certain cases we collect your personal information from third parties. For example, we may need to collect personal information from a credit reporting agency, your representative (such as a legal adviser), your financial adviser, your employer or publicly available sources of information or any of the other organisations identified below under "Using and Disclosing Your Personal Information".

Using and disclosing your personal information

In line with modern business practices common to many financial institutions and to meet your specific needs (such as where you have a financial adviser) we may disclose your personal information to the organisations described below. Where your personal information is disclosed we will seek to ensure that the information is held, used or disclosed consistently with the National Privacy Principles, any relevant Health Privacy Principles under State legislation and other applicable privacy laws and codes.

The relevant organisations are those

  • involved in providing, managing or administering your product or service such as third party suppliers, loyalty and affinity program partners, printers, posting services, call centres, lenders mortgage insurers and our advisers
  • who wish to tell you about their products or services that might better serve your financial, e-commerce and lifestyle needs or promotions or other opportunities, and their related service providers, except where you tell us not to
  • who are your financial advisers and their service providers
  • involved in maintaining, reviewing and developing our business systems, procedures and infrastructure including testing or upgrading our computer systems
  • involved in a corporate re-organisation
  • involved in the payments system including financial institutions, merchants and payment organisations
  • involved in product planning and development
  • which are your representatives including your legal advisers
  • as required or authorised by law, for example, to government or regulatory bodies for purposes related to public health or safety, the prevention or detection of unlawful activities or to protect public revenue
  • where you have given your consent.
In addition, where you require
  • banking and finance products or services

    - other organisations to which personal information is usually disclosed are card producers, card schemes, credit and fraud reporting agencies, debt collection agencies, mortgage insurance companies, your guarantors, organisations involved in valuing, surveying, or registering a security property or which otherwise have an interest in such property, purchasers of debt portfolios, underwriters, re-insurers and other organisations involved in our normal business practices (such as securitisation)
  • financial planning or broking services or personal investment products

    - other organisations to which personal information is usually disclosed are superannuation and managed funds organisations and their advisers, organisations in which you invest and other organisations involved in our normal business practices (such as securitisation)
  • trustee or custodial services

    - other organisations to which personal information is usually disclosed are superannuation and managed funds organisations and their advisers and other organisations involved in our normal business practices
  • life insurance products or general insurance products

    - other organisations to which personal information is usually disclosed are medical professionals, medical facilities, health authorities, assessors, underwriters, reinsurers and fraud detection agencies and other organisations involved in our normal business practices.
Your personal information may also be used in connection with such purposes.

Marketing our products and services

We may use or disclose your personal information to let you know about, and develop, products and services from that might better serve your financial, e-commerce and lifestyle needs or promotions or other opportunities in which you may be interested. For example, we may do this after an initial marketing contact. You can contact us at any time if you no longer wish us to do so (see "Contacts"). Keeping your personal information accurate and up-to-date We aim to make sure that the personal information we collect, use or disclose is accurate, complete and up-to-date. We will take reasonable steps to make sure this is the case. This way we can provide you with better service. If you believe your personal information is not accurate, complete or up to date, please contact us (see "Contacts”).+

Protecting your personal information

We store information in different ways, including in paper and electronic form. The security of your personal information is important to us and we take reasonable steps to protect it from misuse and loss and unauthorised access, modification or disclosure. Some of the ways we do this are:
  • confidentiality requirements for our employees
  • document storage security policies
  • security measures for systems access
  • providing a discreet environment for confidential discussions
  • only allowing access to personal information where the individual seeking access has satisfied our identification requirements
  • access control for our buildings
  • the security measures described below under "Our Websites".

Your privacy on the Internet

Our Website

We take care to ensure that the personal information you give us on our websites is protected. For example, our websites have electronic security systems in place, including the use of firewalls and data encryption. Depending on the organisation with which you deal, user identifiers, passwords or other access codes may also be used to control access to your personal information. Please refer to the website of those organisations with which you transact electronically for more information on website specific privacy and security procedures.

Links to Other Sites

You may be able to access external websites by clicking on links we have provided. Those other websites are not subject to our privacy standards, policies and procedures. You will need to contact or review those websites directly to ascertain their privacy standards, policies and procedures.

Your sensitive information

Without your consent we will not collect information about you that reveals your racial or ethnic origin, political opinions, religious or philosophical beliefs or affiliations, membership of a professional or trade association, membership of a trade union, details of health, disability, sexual orientation, or criminal record.

This is subject to some exceptions including:

  • the collection is required by law
  • when the information is necessary for the establishment, exercise or defence of a legal claim.

Resolving your privacy concerns

If you have any issues you wish to raise with us, or would like to discuss any issues about our Privacy Policy, then you are able to do so a number of ways: You are always welcome to speak directly to our staff and they will do their best to resolve your issue. If investigation is required we will keep you advised of progress. If staff is unable to resolve the matter, it will be escalated as appropriate to facilitate resolution.