Financial Advice for all of Life’s Stages
Based out of offices in Scone and Maitland, we service the Hunter New England from Tamworth through to Newcastle.
From being a first home buyer, to starting your first business, right through to your transition to retirement, we’re here to help you make the most of your money and help protect against unforeseen risks. We take the time to get you know you, your needs, your financial situation, and your goals. You’re not just a number to us. We’re dedicated to helping you achieve your lifestyle goals through stable financial choices backed by research and proven financial strategies. We collaborate with you to make a plan, and we help you stick to it. We review your plan each year to make sure we’re on track, and as circumstances change, we’ll adapt your plan to ensure it’s up to date with your life goals, legislation and the market.
What Does a Financial Planner Do?
LIFETIME CASHFLOW MODELLING
Understand your finances by knowing where your money is going. We map out your financial plan over your whole lifetime ensuring you’re ready for retirement while still having a life along the way.
DEBT REDUCTION
Looking at your cashflow, we provide strategic debt advice, which could include debt reduction, debt consolidation, expansion or other debt related strategies.
WEALTH CREATION & PROTECTION
Helping you invest for the future and protecting your wealth with the right level and type of insurance.
RISK INSURANCE STRATEGIES
Protect your future through insurance against risks like not being able to work and earn income because of accident, injury, or illness. We can find the correct TPD, Life Insurance, Trauma Insurance, Income Protection, Business insurance, and Key Person insurance for your needs.
TRANSITION TO RETIREMENT
Planning for either full retirement, your transition to retirement (ie. scaling down from full time employment over a period of time) to post retirement planning, ensuring you still have the financial stability for the retirement you want.
SUCCESSION PLANNING
Ensure the next generation gets the most from your hard-earned money. We can assist with planning the transfer of wealth between generations, including SMSFs, and managed investments.
MILESTONE MOMENTS TO PLAN FOR
Every stage of life has different milestones and challenges. Being prepared for them financially means that you can make the most of every opportunity. Some of the things that bring people to us are starting a family, divorce, or separation, starting a business, career change, receiving an inheritance, retirement, illness, injury and accidents. It’s a great idea to come to us before these changes in life so that we can help you plan.
Can You Confidently Answer These Questions About Your Finances?
How much should I be saving to get ready for my first home purchase?
How much will it cost to raise children the way I want?
When will I be able to afford that Europe trip?
How much will I have if I leave?
How long until I can afford to start my own business?
How much does it cost to retire in Australia?
Which investments are safe?
When should I start planning my retirement finances?
How do I best invest my inheritance?
What are the pros and cons for a reverse mortgage?
Am I over insured or underinsured?
Should I be consolidating debt?
THE PROCESS
This is all about you. We come to you and learn about your financial goals, and get a picture of your current situation. You don’t need to fill in forms or be ‘pre-approved’ by a call center. Our Discovery meeting is free and usually lasts up to two hours. We’ll also discuss pricing and options with you openly and honestly.
If you decide you’d like to proceed, we provide you with a terms of engagement letter and get down to the nitty gritty. At this point we’ll gather specific information to begin our research and inform our advice. You won’t be surprised by the cost, as we will have already provided you with a tailored fee for your advice.
Your Statement of Advice will be presented in person unless you request otherwise. It’s a great opportunity for us to explain why we are recommending your specific advice.
Once you have the SOA (Statement of Advice) you may make the decision to DIY the advice, or ask us to help you in implementing the advice. We have access to a range of trusted insurance, superannuation, and investment providers. We can also work with your solicitor or accountant to ensure the correct setup of trusts and SMSFs as advised in your plan.
Every year we will review your progress and ensure your plan is still up to date. Your circumstances may have changed, or there may be better options available for investments or insurances, so we will ensure your Statement of Advice is still relevant and serving your financial and wealth creation goals.
TAILORED, PERSONALISED ADVICE FROM START TO FINISH
WHY HODGES & CO WEALTH MANAGEMENT
At Hodges & Co Wealth Management, we work with individuals, couples, families, small business owners, and professionals to find their best financial outcomes. We’re good at keeping our promises and want you to feel heard, understood, comfortable and supported in your financial journey. We believe our services will bring value to you, well beyond our fees.
ABOUT BEN.
Supported by a small but outstanding team, Ben Hodges is the Practice Principal behind Hodges & Co Wealth Management. Sharing time between Newcastle, Maitland, Scone and Tamworth, Ben is dedicated to his clients and the financial health of the Hunter. Ben is a highly qualified financial professional, with 16 years of experience in investment and financial services. He graduated with a Bachelor of Business Management degree from the University of Newcastle and was awarded the Fellow Chartered Financial Practitioner designation in 2016 while working in London. Ben spent several years as an Associate Partner at a leading UK wealth management firm. He left an advisor network in 2022 to start Hodges & Co, with the goal of being able to deliver more tailored advice, access a wider range of investment products, and deliver a better overall experience for clients.
Ben’s Qualifications Include: Bachelor of Business Management, Advanced Diploma of Financial Services (Financial Planning), and UK Diploma of Financial Services (Financial Planning).
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Authorised Representative number 306667
“I want to make a difference by developing lasting relationships with my clients as they journey through life. I want to help them achieve their dreams and aspirations through smart decisions and sound financial advice”.
What Some of Our Existing Clients Have to Say
READY TO TAKE THE FIRST STEP TO A SECURE FINANCIAL FUTURE?
Get in Touch With us For a Free Discovery Meeting!
We work with individuals, couples, families, professionals, and small businesses around the Hunter Valley, including Tamworth, Scone, Singleton, Maitland and Cessnock, in Newcastle, Sydney and Melbourne to help you plan your secure financial future.
Initial in-person meetings are preferred within the Hunter Valley/New England Region, with zoom and face to face meetings available in Sydney and Melbourne.
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Benjamin is an Authorised Representative of Alliance Wealth Pty Ltd, Level 2, 28 O’Connell Street, Sydney NSW 2000 www.centrepointalliance.com.au/licensee/alliance-wealth (ABN 93 161 647 007, AFSL 449221). Benjamin is the Director of Grenfell Management Pty Ltd ATF Grenfell Management Trust trading as Hodges & Co Wealth Management, Corporate Authorised Representative No. 1295299. Benjamin Hodges Authorised Representative No. 306667.