HPartners

HPartners Wealth creation and wealth management At HPartners, our focus is on helping you to successfully invest for your future.

We recognise that every client is different with different investment needs, so we tailor individual solutions. However, every tailored solution is built on a solid investment framework and core philosophy. Our services include:

Financial planning
Investment advice
Wealth creation
Pre and post-retirement planning
Risk and insurance analysis
Wealth protection
Portfolio reviews
Income prote

ction
Key person and partnership insurance
Mortgage management and debt reduction

Contact us today without obligation.

Four things worth doing before October: https://hpartners.com.au/credit-card-surcharge-ban-2026/ The credit card surchar...
01/09/2026

Four things worth doing before October: https://hpartners.com.au/credit-card-surcharge-ban-2026/

The credit card surcharge ban starts 1st October — great news at the checkout, less great for your points! Fewer points per dollar, new annual fees, and a $149 charge if you're on CBA's Qantas program.

Rewards only stack up if you pay the card off in full, every month. Otherwise the interest is quietly eating every point you earn.

31/08/2026

Lights, camera, laughter 🎥 😂
Turns out even financial advisers have a silly side!

https://hpartners.com.au/insurance-claim-denied-what-to-do/ Complaints about rejected insurance claims jumped 47% in a s...
27/08/2026

https://hpartners.com.au/insurance-claim-denied-what-to-do/
Complaints about rejected insurance claims jumped 47% in a single year.

If yours was one of them, there's three things worth knowing:

→ The insurer has to respond to a formal complaint in writing, usually within 30 days (45 if it's through your super).

→ You can request every report they relied on to deny you. Free, and generally within 10 business days.

→ AFCA is free, independent, and its decisions are binding on the insurer — but you generally have two years from the insurer's final response to lodge.

A denial letter is a decision, not a verdict. Plenty of them get changed.

Good debt buys you a future. Bad debt buys you regret. 💸One's an investment in where you're headed (home, assets, earnin...
26/08/2026

Good debt buys you a future. Bad debt buys you regret. 💸

One's an investment in where you're headed (home, assets, earning power). The other's just paying extra for stuff that's already losing value.

Knowing the difference is half the battle — sorting the rest is where we come in. 👋

(General info only, not personal advice).

The government has just cracked down on the dodgy operators behind Super scam sales pitches — the ones who lured thousan...
25/08/2026

The government has just cracked down on the dodgy operators behind Super scam sales pitches — the ones who lured thousands of Australians into risky investments that looked and felt like real advice. Sadly, around 12,000 people lost retirement savings before this line got drawn in the sand.

BUT - It's now harder for them to reach you, and you don't have to figure any of this out alone.

We've unpacked what the crackdown means (and how to spot a sales pitch dressed up as advice) here: https://hpartners.com.au/super-scam-new-rules-to-keep-your-super-safe/

24/08/2026

Got more than $3 million in super? First of all — nice one. Secondly, meet Division 296. 💸

It's a new tax (law from 1 July 2026) adding 15% on earnings from the portion of your super above $3m. After a fair bit of public noise, they scrapped the plan to tax unrealised gains, so it now only applies to profits you've actually made.

Big balances need a plan, not a panic. Let's chat.

Chasing a 7% return while carrying 20% credit card debt is like filling the bath with the plug pulled out. You can pour ...
21/08/2026

Chasing a 7% return while carrying 20% credit card debt is like filling the bath with the plug pulled out.

You can pour money in all day, but if it's draining out the other end faster than it's going in, you're not actually getting anywhere.

Here's the bit that surprises people: paying down high-interest debt *is* an investment. Clear a 20% credit card and you've effectively earned a guaranteed 20% return. No market risk, no crossing your fingers, no watching the news.

So, before you go hunting for the next hot investment, it's worth knocking out the expensive debt first.

Want a hand working out the right order to tackle things? That's exactly what we're here for.

Ever thought about running your own super fund? https://hpartners.com.au/how-to-set-up-an-smsf/ An SMSF is a bit like ta...
20/08/2026

Ever thought about running your own super fund? https://hpartners.com.au/how-to-set-up-an-smsf/

An SMSF is a bit like taking over the kitchen instead of ordering off the set menu — you pick every ingredient and control the whole recipe… but yep, you're also on dishwashing duty.

For the right person, that control is genuinely powerful. For the wrong person, it's a lot of dishes.

Our SMSF setup guide breaks down the steps, the real costs, and what you're signing up for as a trustee — so you can decide if it's the right move (before you roll up your sleeves).

19/08/2026

Your neighbour's got a different car, a different mortgage, and a different Netflix password — so why would you copy their financial plan? 🚗💸

Great advice isn't cookie-cutter. Same income, totally different story: kids in school, more debt, more savings, property, shares… it all shapes the strategy that's right for you.

And no — it's not just about retirement.

📉📈 July's markets had more plot twists than a soap opera.The Korean sharemarket fell 22% for the month… then leapt 18% o...
18/08/2026

📉📈 July's markets had more plot twists than a soap opera.

The Korean sharemarket fell 22% for the month… then leapt 18% on the very last day. AI cooled off, oil heated up (thanks to the Iran conflict), and tariffs made a comeback. Meanwhile here at home, inflation stayed sticky at 3.8% and employment quietly smashed expectations with 76,000 new jobs.

So what does it all mean for your portfolio? The short version: don't panic. Expensive US markets and ongoing energy pressures call for discipline, not dramatic moves. Diversify, stay invested for the long game, and get comfortable with a bit of volatility along the way.

Our full July Economic Snapshot breaks it all down👇

📖 https://hpartners.com.au/economic-snapshot-july-2026/

Address

Unit 2/12 Prescott Street
Toowoomba, QLD
4350

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+61746130000

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