CREATING FINANCIAL INDEPENDENCE
Horvat Financial Advisors is a proudly independent, family-based financial advisory firm that specialises in strategies to maximise your wealth and financial independence.
We work with people who are looking to secure their portfolio, estate, lifestyle and freedom as they move towards, and on entering, retirement.
We provide personalised financial advice and fully integrated professional advisory services designed to help our busy clients and their families live the lifestyles they want with true financial certainty and freedom.
We took a stand many years ago to become an independently owned and licensed Australian financial planning and advisory company. In maintaining our own Australian Financial Services Licence, we steadfastly protect our independence from any financial provider or product, ensuring we can provide completely fair and unbiased advice that is always in our clients’ best interests.
We have over 35 years of experience in helping people secure financial certainty in a forever changing legislative, economic and investment market. Our comprehensive service and depth of expertise is quite rare in Australia’s financial planning profession.
As a family business, we are proud of our heritage and our independence, and we are committed to providing our clients with the greatest opportunity for them to achieve their desired lifestyle and financial goals now and in the future.
We specialise in providing advice and guidance to individuals and their families seeking to maximise their financial independence now and in retirement.
We focus on providing you with a clear understanding of the options available and which of these options will best suit your financial and lifestyle objectives.
Once we understand your needs and circumstances, we determine the appropriate strategies and construct individual solutions that will achieve your goals and provide you with financial certainty including investment strategies, protecting your wealth and family, tax minimisation strategies, and estate planning and management.
Our role is to provide you with intelligent, well-informed and well-researched financial advice that will allow you to confidently enjoy the lifestyle you want now and in retirement. Our integrated advisory service leaves no stone unturned, covering all aspects of your finances–we encourage you to be an active participant in the process.
Our key aim is to assist you in maximising your asset and investment portfolio so you maintain your independence and quality of life in retirement. We also work with you to plan for the transition of your wealth to your eventual estate.
The majority of financial planners in Australia are aligned in some way to various financial product providers. We operate our own Australian Financial Services Licence so that we can be completely independent and free to provide unbiased advice that is always in our clients’ best interests.
Throughout the process, we keep our clients’ goals and objectives at the forefront of our strategic planning. We always seek to provide the best outcomes and are proud of our unbiased and transparent approach.
Rick Horvat – Tuesday 01 May 2018
Presently, our profession is being taken to the cleaners. The royal commission into the banks is showing the true colours of many that are associated with the financial planning industry. The 5 major banks within Australia (CBA, NAB, ANZ, Westpac and Macquarie) and AMP, have all had (or still have) financial planning/wealth management arms as […]
Rick Horvat – Wednesday 30 August 2017
The Consumer Price Index (CPI) is a measure of the change in the level of price on a basket of consumer goods and services that may be purchased by households. This is a measure we come across in discussion on financial matters on a daily basis. It is often spoken about in the same breath […]
Rick Horvat – Monday 26 June 2017
Actively managed investments are opportunity driven strategies. Fund managers look to buy and sell securities in order to; Produce returns in excess of a nominated index for the investor, and Increase profits for themselves (being their primary motive). If they can achieve both of these, then everybody wins. The manager will typically also capture a […]
Rick Horvat – Thursday 30 March 2017
You would assume that acting in the best interests of a client should be a principle that is easy to identify and apply. Unfortunately, this is not the case in the world of Financial Planning, Advice and Management. What if acting in the best interest of a client isn’t a profitable proposition? The self- justifying […]
Rick Horvat – Thursday 22 December 2016
As you may be aware by now, we are very sceptical advisers. Due to our independence and having no affiliation with product providers, being sceptical ensures that our clients are provided with unbiased advice which targets their financial requirements at all times. To illustrate this, please refer to the attached; Perpetual Pure Equity Alpha Fund – […]
Rick Horvat – Tuesday 11 October 2016
What was that all about?! This is the main question that comes to mind when reflecting on the much publicised and absolutely useless parliamentary inquiry into the 4 big banks. Would a Royal Commission be more useful? Surely the key to both questions, as with most things in life, is what was it meant […]
Rick Horvat – Friday 22 April 2016
I recently came across an article which highlighted how Melbourne house values had increased by 10.7% for the year ending 31st of March 2016. This is really quite amazing, and got me thinking; ‘I wonder if our house has had this same sort of return?’ We live in Thornbury which is north of the city, roughly 8km […]
Rick Horvat – Monday 01 February 2016
Superannuation is seen, and referred to as the investment retirement platform for the majority of Australians.
Rudi Horvat – Tuesday 25 August 2015
How can there be so many instances of professional negligence and abuse?
Rick Horvat – Monday 17 August 2015
Retirement planning, like any other long-term successful survival strategy, is all about generating certain outcomes rather than going for spectacular one-off events.
Rick Horvat – Friday 22 May 2015
Under the total return approach, if spending exhausts the portfolio income, the investor spends from the portfolio’s capital appreciation rather than seeking yield and abandoning a carefully crafted asset allocation.
Horvat Financial Advisors
Please contact us for a no obligation discussion.
Telephone 03 9337 2233
Facismile 03 9331 3733
1/94-100 Keilor Road