Our Transparent Fee Structure

Product & Service Commissions

Where there are risk insurance and credit products, there may be up-front and ongoing commissions paid to us by the product issuer/provider (e.g. insurance and finance commissions).

Where there are superannuation and investment products, there may be up-front and ongoing fees charged by us and deducted from your superannuation/investment portfolio.
Where financial service commissions are received from products and services put in place under the Australian

Financial Services & Credit Licence (AFS&CL 324390) held by HFG, they are attributed to your client file and considered when setting the product fees and “out of pocket” cost of engagements.

The following table outlines the typical range for up-front and ongoing commissions paid for the various product types.

Product Type	Up-front Commission	Ongoing Commission
Debt Financing	0% – 0.715% p.a.	0% – 0.275% p.a.
Insurance	Between 0% & 66% of the first year’s premium	Between 0% and 22% of the renewal premium

The following table outlines the typical range for up-front and ongoing fees paid for the various product types.

Product Type	Up-front Fee	Ongoing Fee
Retail Superannuation	0.55%	1.1% p.a.
Investment Portfolio Management	0.55%	1.1% p.a.

Commission and Fee Offset and Payments

All product Commission and Fees (upfront, ongoing or transaction commissions, adviser fees, brokerage, trail, or any form of product fees) received by us are attributed to your file and are non-refundable and non-rebateable.

Out of Pocket Costs, Invoicing and Payment

We may issue you with interim monthly invoices or at longer intervals at our discretion. You must pay an invoice within 14 days of receipt. Interest will be charged on overdue amounts at the rate set out in your Client Service Agreement.

To view our Guide to Hourly Rates – Click Here.
To return to Our Transparent Fee Structure – Click Here.