1300 861 143 Get Your Free Consultation LENDING SERVICES About Calculators INSURANCE FAQ Blogs FINANCIAL ADVICE Client Resources Contact Us Education We believe client education is integral to the long-term success of our endeavours. Since the inception of our practice, we have been working on this key goal of promoting financial literacy. Financial literacy helps clients improve their ability to manage their personal and household finances and become informed and effective consumers of financial services. Financial literacy is also a critical component of consumer protection, creating knowledgeable clients who can more effectively use financial services and avoid the risks of over-indebtedness and simply making bad financial decisions. Here is a collection of educational resources: (click on the below links for a quick fact sheet) Dollar cost averaging Estate Planning Super Employer requirements Allocated Pension or Annuity Gearing Superannuation Budgeting Refinancing The Importance of Insurance Debt Management Salary Sacrifice Using Superannuation To Save on Insurance Premiums Heart Financial Advisers offers services in: Heart Townsville & Rockhampton Wealth Creation Superannuation Wealth Protection Debt Strategies Estate Planning Retirement Redundancy Direct Property Strategies Insurance About Blog Free Consultation Education Calculators Contact Us 1300 861 143 Level 1, 25 Sturt Street, Townsville, Qld, 4810 Heart Financial Advisers Heart Mortgage Services Privacy Policy Financial Services Guide Credit Guide. Complaints Process Stu Varidel and Your Choice Financial Planning Pty Ltd ABN 80124246877 trading as Heart Financial Advisers are authorised representatives of Sentry Financial Services Pty Ltd ABN 30 113 531 034 & AFSL 286786 (Provides financial advice services subject to the Australian Financial Services Licence 286786) Amanda Varidel and Your Choice Mortgage Brokers Pty Ltd atf Halo Innovation Trust trading as Heart Mortgage Services - Australian Credit Licence 386437 (Provides credit & lending services under their credit licence 386437) Sentry Financial Services Pty Ltd does not provide credit services. Please contact us on 1300 861 143 if you are unsure of whether you are dealing with Heart Financial Services or Heart Mortgage Services. Disclaimer The information contained or referred to on this website has been compiled for the convenience of our clients, looking for information about us and the services we provide both financial advice and credit services. We have taken all reasonable care in preparing and presenting this information, but we cannot warrant that it is complete and/or accurate in all respects or fully up to date. We are not responsible for any eventualities arising from the use of the information in this website for any purpose whatsoever. General Advice Warning The information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Adviser before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Heart Financial Advisers and Heart Mortgage Services nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.