InFocus Financial Planning Hervey Bay

04/11/2026

Still working at 68? You might be entitled to more than you think!

We recently sat down with a 68-year-old gentleman who was still working and had no idea he may have been entitled to Centrelink benefits.

He also had superannuation spread across multiple funds, with opportunities to improve his overall position.

Here's how we helped:

Reviewed his super and completed a recontribution strategy to reduce the taxable component.

Consolidated his super into one place.

Completed a Centrelink application to help him access any entitlements he was eligible for.

Sometimes it's not about retiring tomorrow. It's about making sure you're not missing out on benefits and opportunities along the way.

Still working? Over 67? Single? It might be worth having a conversation.

At InFocus Hervey Bay, we help you make sense of your super, Centrelink entitlements and the bigger financial picture.

Get in touch with our team to book an appointment.

02/11/2026

The markets go up. The markets go down. But history shows us something important… they have always bounced back.

With everything happening in the world right now, from rising fuel prices and cost-of-living pressures to geopolitical tensions, interest rate uncertainty and volatility in technology stocks, it's understandable that people are feeling nervous about their finances.

But take a look at the picture of the ASX 200 over the past 20 years.

You'll see plenty of ups and downs, some significant market falls and periods of uncertainty. But you'll also see the bigger picture – the market has continued to recover and grow over time.

As a financial planner, one of the biggest things I remind clients is not to let short-term headlines drive long-term financial decisions.

If you're invested for the long term, patience and having the right strategy matter.

A few reminders:

-Don't panic and sell just because markets fall.

-Don't make investment decisions based on fear.

-Make sure your super and investments match your risk profile.

-Remember why you invested in the first place.

-Get advice if you're unsure about your strategy.

Nobody can predict exactly what markets will do tomorrow, next month or next year. But having a plan can make navigating the uncertainty a whole lot easier.

Take a breath, look at the bigger picture and don't let the headlines keep you awake at night.

If you're concerned about your super or investments, I'm always happy to have a chat.

David Montgomery
InFocus Financial Planning Hervey Bay

27/10/2026

Every client has a different story, and that’s one of the things we love most about what we do! ❤️

Yesterday, we headed out to Netherby to meet with clients, and we were lucky enough to take in this stunning view along the way!

At InFocus Financial Planning Hervey Bay , no two clients have the same journey. Whether it’s planning for retirement, making the most of superannuation, or navigating Centrelink, we love helping people find the right path for their individual circumstances.

And getting to enjoy a view like this while doing what we love? That’s a pretty good bonus!

📞 If you’d like to talk about your own financial journey, get in touch with InFocus Hervey Bay.

25/10/2026

When was the last time you had a good look at your finances?

Whether you're building your super, protecting your family or getting ready for retirement, having the right plan can make a real differHervey Bay locals, when was the last time you had a good look at your finances?

Whether you're building your super, protecting your family or getting ready for retirement, having the right plan can make a real difference.

At InFocus Hervey Bay, David Montgomery brings 18 years of experience in the financial industry, helping people make informed decisions about their money and their future.

David works with locals to help them make sense of their finances, including:

✔️ Getting more from their superannuation
✔️ Planning for retirement
✔️ Reviewing life and income protection insurance
✔️ Understanding Centrelink entitlements
✔️ Making informed decisions about their financial future

You don't need to be wealthy or close to retirement to benefit from financial advice. Sometimes, a conversation today can help you feel much more confident about tomorrow.

We're local, we're here to help, and we'd love to have a chat.

📍 Find us at 2/79 Torquay Road, Pialba.

📞 Call 0490 123 741 to book an appointment with InFocus Hervey Bay.

19/10/2026

🏡 WHAT IF YOUR MORTGAGE AND YOUR SUPER COULD WORK BETTER TOGETHER?

Most people look at their home loan, super and insurance as separate things. But bringing the right people together could help you make smarter decisions about your financial future.

At InFocus Hervey Bay, we work alongside Sara from Lewis Consulting and Finance to help clients look at the bigger picture.

💰 Your financial adviser can help you make the most of your super, review and maximise your insurance protection, and plan for retirement.

🏠 Your mortgage broker can help review your home loan, explore refinancing options and find a loan that suits your circumstances.

🤝 Working together, we can help you understand how your mortgage, super, insurance and retirement plans fit together — whether your goal is to pay off your home sooner or protect your family's financial future.

📞 Want to see how the pieces fit together? Contact InFocus Hervey Bay to book an appointment and let's talk about your financial future.

12/10/2026

It was lovely having George Seymour visit InFocus Hervey Bay and check out our new office!

It was a great opportunity to show George what we do and have a chat about how we help individuals and families make the most of their financial future.

Thanks for popping in, George. We really enjoyed having you!

12/10/2026

Check out our beautiful new office artwork. Thank you so much Nicole Duyst Art, you are incredible!

Send a message to learn more

08/10/2026

We received this beautiful message from one of our clients this morning, and it has made our day.

We’re so grateful for the trust our clients place in us. ❤️

07/10/2026

3 months in our new office already! 🏡

We honestly can’t believe how quickly it’s gone.

We’ve loved welcoming so many familiar faces — and some new ones — through the doors at 2/79 Torquay Road, Pialba.

It’s become a space where we can sit down, have a coffee and have honest conversations about your financial future.

Haven’t been in yet? Come and see us!

📞 0490 123 741 to book an appointment

30/09/2026

Beautiful Thursday morning… and where are we?

At Centrelink! 😂

Not exactly where you’d expect to find us first thing in the morning, but it’s all part of what we do at InFocus Hervey Bay.

We’re a Centrelink nominee for our clients, which means we can help with applications, communicate with Centrelink on their behalf and make the process a whole lot easier.

So while everyone else is grabbing their morning coffee, we’re grabbing a number for the Centrelink queue. ☕️😂

If you’re approaching retirement or already receiving Centrelink and wondering if you’re getting the most out of your entitlements, come and have a chat with us. We are happy to deal with Centrelink on your behalf.

InFocus Hervey Bay