Hartmann Planning

15/09/2025

We are so grateful for our client reviews on Adviser Ratings.
Adviser Ratings is an independant platform where you can go to search a potential adviser and see reviews from current or past clients of the firm.

Here is a few of our most recent.

If you have family and friends that are looking into financial advice, have them head to Adviser Ratings first.

Adviser Ratings aim is to bring a trustworthy and transparent service to help consumers find qualified financial services. Their aim is to make financial advice more accountable, accessible and affordable for customers by fostering transparency, integrity and trust.
It is an easy to use and transparent online platform which empowers customers and provides a valuable independent mechanism of consumer feedback for the industry.

Please note - We are not affiliated with Adviser Ratings

09/09/2025

Have you recently sold your home and are over the age of 55?

A downsizer contribution lets you put up to $300,000 from selling your home into your super – even if you’ve already retired.
It’s a one-time option that can turn the equity in your home into income in retirement.
It’s a way you can boost your super savings, or your income in retirement.
You and your spouse can each put in up to $300,000 into super (capped at the amount you receive from selling your home). There’s no contribution tax on downsizer contributions.

You can make a downsizer contribution if:

- you’re aged 55 or older on the day you contribute
- the home you sell is exempt or partially exempt from capital gains tax (which requires it to be your main residence)
- the home is in Australia and is not a caravan, houseboat or other mobile home
- you or your spouse owned the home for 10 years or more before the sale
- you put the money into super within 90 days of receiving the money from the sale
- you’ve never made a downsizer contribution before
- you fill out the downsizer contribution form and give it to your super fund at the right time
- If your spouse owned the home and you didn't, you can still both make a downsizer contribution, if you meet the other rules.

If you would like more information about making a Downsizer Contribution, please contact us on (07) 5439 7355 or email us [email protected].

Send a message to learn more

20/06/2025

Have you ever thought about getting financial advice, but worried your situation wasn’t complex enough to justify it?
You’re not alone –many people feel the same way!
But the good news is, at Hartmann Planning, things don’t need to be complicated.
We believe that getting ahead financially starts small:
a budget you can work with, clever savings strategies and achievable goals that excite you are some of the simple ways we help our clients start their advice journey.
Reach out for free chat to find out whether advice might be right for you.

20/05/2025

The Reserve Bank of Australia has announced another interest rate cut - the second of the year so far.
The current 4.1 per cent cash rate has been slashed by 0.25 per cent, making the official cash rate now 3.85 per cent.

Send a message to learn more

29/04/2025

Your Local Holistic Financial Planning Firm

Holistic financial planning incorporates a client’s total life and financial circumstances into their plan. The purpose is to go beyond helping our clients achieve their financial goals by supporting them in living a more meaningful life.
Holistic Financial Planning looks at all aspects of your personal and financial life, before creating a plan for you. It considers where you are today, where you want to be and then creates a plan to help you get there.
By contrast, traditional financial advice focuses on a specific area of your finances, such as investments, pensions, tax or insurance.
The Holistic Planning Approach
Holistic planners take a top-down approach to planning. All our recommendations will be based on our client’s short- and long-term life goals. We focus not just on what a client can afford to do today but also help them visualize their future goals and where they see themselves in the future.
Holistic planners are tremendously at ease discussing with their clients the multiple but unique life event topics important to them, including the toughest ones like death and physical health
Holistic financial planners cover a range of vital areas.
Our service offerings at Hartmann Planning include investment management, cash flow analysis, retirement planning, tax planning, risk management, budgeting, saving for short- and long-term financial goals, education planning, end-of-life planning, charitable giving, SMSF’s, superannuation and their underlying investments and estate planning.
If you would like to experience the difference using an Holistic Financial Planner, please contact our office on (07) 5439 7355 or email [email protected] to book your free 1 hour consultation.

Send a message to learn more

20/04/2025

25/02/2025

Financial planning is not merely about numbers; it's about building a secure and prosperous financial future. It's about understanding where you stand financially, achieving your goals, managing income and expenses, minimising tax liabilities, building wealth, planning for retirement, managing risks, and preserving your legacy.
If you're ready to take control of your financial future, Hartmann Planning can assist you.
Click the link below to book your free consultation!

20/02/2025

Superannuation Re-Contribution Strategy
When it comes to superannuation, you might have heard of a concept called a re-contribution strategy.

If you would like to see if this stragey suits you, please call (07) 5439 7355 or email [email protected] to book your free consultation.

When it comes to superannuation, you might have heard of a concept called a re-contribution strategy.

24/01/2025

If you would like to discuss Cashflow or Budgeting, we can help!
Call (07) 5439 7355 or email [email protected]

14/10/2024

Independent Adviser vs Larger Financial Institutions.

A financial advisor or consultant provides advice on financial planning, investments, retirement, insurance, and other money-related issues.
A financial advisor or consultant often works for a larger financial institution, such as a bank, brokerage firm, or insurance company. They may offer products and services from their employer’s portfolio, which could influence their recommendations. These advisors might earn commissions, salaries, or bonuses based on the products they sell, potentially creating conflicts of interest. Their advice, while professional, may be biased toward specific funds, accounts, or policies that benefit their firm.
On the other hand, an independently owned financial advice firm like Hartmann Planning, operates without ties to any particular financial institution. They are usually self-employed or part of an independent advisory firm, giving them the freedom to offer a broader range of products from multiple providers. Their compensation typically comes through client fees, such as hourly rates, flat fees, or a percentage of assets under management, rather than commissions from sales. This fee-only structure helps reduce conflicts of interest, allowing them to focus solely on the client’s best interests.
In summary, while both professionals aim to help clients achieve financial goals, independent financial advisors offer more objective advice due to their lack of institutional ties and commission-based compensation.
Independent advisers are fee-only fiduciaries, meaning they must place their clients’ best interest above all else. “There is no financial incentive to use one product over another to achieve client goals and objectives, because no one but the client is paying the adviser.
Without being tied to large financial institutions, independent advisers are able to personally tailor their guidance for clients without conflicts of interest and without the worry that they’re not hitting internal goals or reporting to anyone other than their client.
This means that clients of Independent financial planners can have the confidence that the advice and recommendations they receive are based on a comprehensive analysis of the client's financial situation and needs, and not because the adviser is incentivised by a third party to make their recommendations.
Here are some key points to consider when it comes to independent financial planning and whether it's better to opt for an independent adviser:

1. Objectivity:
- Independent Advisers: They can offer more objective advice because they are not incentivized to promote specific products or services tied to a particular company. Their recommendations are based on what is best for the client.

2. Product and Provider Options:
- Independent Advisers: They have access to a wide range of financial products and providers in the market. This allows them to tailor their recommendations to better suit the individual needs and preferences of their clients.

3. Comprehensive Advice:
- Independent Advisers: They can provide holistic and comprehensive financial planning services, covering various aspects such as investments, insurance, retirement planning, estate planning, and tax strategies.

4. Cost Transparency:
- Independent Advisers: They may offer more transparent fee structures, providing clarity on how they are compensated for their services. This can help clients better understand the costs associated with financial advice. At Hartmann Planning, we pride ourselves being a clear and transparent fee-for-service fee structure. All our fees are agreed to in advance.

5. Flexibility:
- Independent Advisers: They have the flexibility to adapt their advice based on changing market conditions, economic factors, and shifts in the client's personal circumstances. Independent advisers aren’t incentivised to maintain or change a client’s products or structures. If a change benefits a client, we will recommend it.

6. Client-Centric Approach:
- Independent Advisers: Their focus is typically on building long-term relationships with clients. This client-centric approach emphasizes understanding individual goals and tailoring financial strategies accordingly.

If you would like to book an appointment, please contact Hartmann Planning for your conflict free advice on (07) 5439 7355 or email [email protected]

Send a message to learn more

04/10/2024

Meet our newest Team Member - Jayden Cooper.

Jayden has already completed his Personal Insurance degree and is currently studying his 'Graduate' Degree in Financial Planning, mentored by Hartmann Plannings Director and Owner, Tim Hartmann.
He is passionate about all facets of the financial advice area, and is looking forward to assisting you in your Insurance needs or questions.

He also holds a bachelor of Business.

Outside of work, Jayden enjoys playing golf, spending time with his partner, Summah Hartmann, and believe it or not, studying!

03/10/2024

Top 3 Insurance claim causes, average age, and gender statistics from AIA.