About us

At Humblebee Financial Planning, we educate and empower our members to make informed and smart decisions about their financial wellbeing. When you partner with us, we will help you prepare, prioritise and plan your pathway to financial freedom, so you get the most out of your life without the stress and worry of financial burden.

Our financial services

  • Money management and savings advice
  • Insurance and family protection
  • Superannuation advice
  • Debt management advice
  • Investment advice
  • Retirement and Estate planning

Our Expertise

About us

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Our Philosophy

We want all of our members to live an exciting life full of amazing experiences and memories, and your wealth is the key that unlocks all of this potential. It is what allows you to create new experiences, travel the world and enjoy life as you see fit.

Our Philosophy

We want all of our members to live an exciting life full of amazing experiences and memories, and your wealth is the key that unlocks all of this potential. It is what allows you to create new experiences, travel the world and enjoy life as you see fit.

At Humblebee Financial Planning, we want you to feel in control of your finances. We guide you towards achieving a financially fulfilled life by educating you about your financial options, help you prioritise your goals, and empower you to make a wise financial decision for your long-term financial prosperity.

We are here to help you prepare, prioritise and plan your financial future, so you can enjoy today.

Who we can help

25-35

we can help with…

At this stage in life everything is exciting and new. New job, new house, new career. It is also the best time to start planning and get your finances under control, before being an adult really takes over.

Forming good habits at a young age will allow you to automate your financial world, leaving you time to dream big and plan your next getaway, safe in the knowledge that your future is secure and comfortable. Why not let us help you start that plan? Here’s how we do it:

  • Prepare, prioritise and plan your goals so we can align your income allocation with these effectively (financial and lifestyle goals).
  • Set and forget (knowing we are looking after it) your long-term wealth plan.
  • Protection of your income and lifestyle funding secured at a low-cost (the older you are the more expensive your insurance).
  • Goal setting and prioritising – not sure what to do first? Buy the house or travel the world, we can help you decide.
  • Savings plans – smart ways to save for that round the world trip or even a decent deposit for your first home.
  • Confidence in your decisions and a professional ear to bounce ideas off all have financial goals and dreams, why not let us work out if yours are achievable.

Call us today for your complimentary planning session.

35-45

we can help with…

Here’s a common scenario: Adult life has well and truly hit. You’re probably set in your career, your family home and your priorities may have changed – but you still feel young at heart with big dreams you want to accomplish. Still, you worry if it is all possible?

Let us take away some of that worry for you! We specialise in helping you effectively prepare, prioritise and plan your goals so that it directly aligns with your income allocation (financial and lifestyle goals). Here’s how we do it:

  • Well planned debt reduction plan that can save you significant interest costs.
  • Long term wealth plan set up and automated so the future takes care of itself.
  • Medium-term investment plan (this may include future education costs).
  • Return to work calculations – should you return to work or are you working just to pay childcare?
  • Updated insurance to make sure your assets, income, young family and lifestyle are protected from any unforeseen events.
  • Confidence in your decisions and a professional ear to bounce ideas off – we all have financial goals and dreams, why not let us work out if yours are achievable.
  • A well-executed Estate plan.

Call us today for your complimentary planning session.

45-55

we can help with…

So, you are now starting to think more about your retirement plans. For those with children, you may be getting back some of your freedom. You are more than likely earning at your peak and also spending at your peak. You have been chipping away at the mortgage and its hopefully in a good shape. Should you start adding more into superannuation, or start enjoying the fruits of your labour? Can you do both? Here’s how we can make it all happen for you:

  • Prepare, prioritise and plan your goals so we can align your income allocation with these effectively (financial and lifestyle goals).
  • Take control of your superannuation – boost your super savings and take the worry out of retirement.
  • Proactive taxation planning – making sure your plan is set up in the best possible way to optimise your tax position both personally, inside superannuation and your direct investments.
  • Insurance Review – you may find you can start to reduce your need for insurances as you lower your debt and your children get older. We can then revert these savings to your retirement planning needs.
  • Confidence in your decisions and a professional ear to bounce ideas off – we all have financial goals and dreams, why not let us work out if yours are achievable.
  • A well-executed Estate plan.

Call us today for your complimentary planning session.

55+

we can help with

You are potentially coming towards the end of your work life, preparing for the kids to leave so you can join the grey nomads. Most people like to travel regularly and enjoy the fruits of their labour, however they worry whether or not this will last.

There are so many things to think about. Is my superannuation going to be enough? Do I have to downsize my house? Will I get the aged pension? How much is a round the world ticket and when can I leave?
Why not let us be your professional sounding board and answer some of those questions for you. Here’s how we do it:

  • We provide confidence and peace of mind you will be able to meet your expense requirements – including the holiday budget. We can put plans in place to help bridge any gaps.
  • We will create a correctly structured retirement plan to maximise the effectiveness of your income streams and allow for changes in your circumstance.
  • Confidence in your decisions and a professional ear to bounce ideas off – we all have financial goals and dreams, why not let us work out if yours are achievable.
  • A well-executed Estate plan ensuring your spouse and family are looked after in the unfortunate event of illness or premature death.

Call us today for your complimentary planning session.

News

Humblebee Financial news buzz…

What the Royal Commission report means for you

More than 1000 pages and 76 recommendations – the Royal Commission final report doesn’t exactly make for light reading. Fortunately, we’ve cut to the chase with the key recommendations and how they’ll affect you.

Read More

What the Royal Commission report means for you

More than 1000 pages and 76 recommendations – the Royal Commission final report doesn’t exactly make for light reading. Fortunately, we’ve cut to the chase with the key recommendations and how they’ll affect you.

Below we’ve outlined the biggest changes recommended by the Honourable Kenneth Madison Hayne AC QC in the banking and finance Royal Commission’s final report.

Keep in mind that these are only recommendations – the government of the day will still need to pass them, most likely after a May federal election.

1. If you want to buy property

Perhaps the biggest recommendation from the report is to ban trail commissions for mortgage brokers on all new loans by July 1st 2020.

Mr Hayne has recommended switching to a consumer-pays model whereby borrowers foot the bill – not the banks.

The thing is, mortgage brokers have historically created a lot more competition within the industry by bringing ‘second tier’ lenders into the frame.

However, if customers are forced to pay a $2000 fee to engage the services of a mortgage broker, 96.5% of people say they won’t use them. That’s according to independent research cited by the MFAA.

Instead, people will head into their local bank branch – most likely a Big Four – for a loan.

Now, call us cynical, but what may happen over time is that banks start to increase mortgage rates because there is less competition.

2. If you take out insurance

In total, there were 15 recommendations relating to the insurance sector – many of which will hinge on a review by ASIC in 2022.

Mr Hayne has suggested that grandfathered commissions on all financial products should be scrapped and that commissions relating to life insurance should be reduced before being completely eliminated following the 2022 review.

If this were to occur, a scenario may play out similar to the mortgage broker example above – there will likely be fewer financial advisers offering services in this space and competition may be reduced.

It could also see more people rely on insurance from their superannuation fund, even though many of these policies are full of exclusions, poor definitions and poor claims handling.

There were, however, some positive recommendations when it came to insurance.

For instance, Mr Hayne has recommended replacing “the duty of disclosure with a duty to take reasonable care not to make a misrepresentation”.

In a nutshell that means the onus will be on insurance companies to get all relevant information from you when they’re selling insurance, instead of later penalising you if you forgot to mention something you didn’t think was all too important.

3. Your Superannuation

Mr Hayne has recommended that each person should have only one default superannuation account.

“Because some employees, especially those who are young and working part-time, do not make informed choices about their superannuation arrangements, default arrangements are essential,” he wrote.

Mr Hayne also recommends banning advice fees from MySuper accounts and limiting deduction of advice fees from choice accounts.

He also recommended “no hawking” when it comes superannuation accounts (as he did with insurance products too).

“Superannuation is not a product to be sold. It is a compulsory product,” he wrote.

Final word

Despite 61% of submissions to the Royal Commission relating to the banking sector, as you can see, many recommendations will affect the mortgage, insurance, superannuation and financial advice industries.

If you want to find out more about any of the above, don’t hesitate to get in touch. We’d be more than happy to talk you through it.

Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.

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Luke Grundy is an authorised representative of Synchron, AFS Licence No. 243313.

The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.