Financial Planning in Doreen, Montmorency & Beyond
The time has come to turn uncertainty into direction. To take control of your financial situation and start preparing for your future. Whether it’s the weight of rising living costs or you just aren’t sure you’re making the right financial decisions, the right guidance can make all the difference.
With professional guidance, financial planning helps you make informed decisions around saving, building diversified investing strategies, protecting your income, preparing for retirement, or simply budgeting to lower your family expenses. It brings structure to your finances, reduces uncertainty, and ensures your money is working towards the goals that matter most to you and your family.
Whether you’re just starting out in your career or nearing retirement, C&H are equipped to help you put the necessary plans in place to work towards real financial freedom.
Our Selection of Financial Planning Services
With C & H Financial Planning Services, you’ll work alongside our in-house financial planner to take advantage of a wide range of financial planning services tailored to your personal objectives. We can advise on everything from planning ahead with investment strategies and family budgeting, to later in life strategies like retirement and estate planning.
In addition to helping individuals and families, we also offer business financial planning services for businesses of all sizes, including guidance on business succession planning and exit strategies.
Lifestyle Goals and Legacy Planning
Life is about more than just numbers. It’s about the moments and milestones that define who you are. Our financial planning services extend to help you achieve your personal and legacy goals, ensuring that every significant life event is planned with care.
- Major Life Event Planning: From property purchases and starting a family to planning for travel and other significant milestones, we provide strategies tailored to your life events.
- Legacy Planning: Secure your family’s future with thoughtful legacy planning, ensuring your wealth benefits those you care about.
Budgeting and Financing Structures
Living life on a budget doesn’t mean you can’t enjoy the nicer things in life. Rather, budgeting and financial structures assist with your cash flow and prevent you from drowning in unwanted debt. It also creates a roadmap to get more out of your periodic income, building greater savings and establishing larger investment potential.
Further benefits of our budgeting and financing services include:
- Get a clear picture of your finances: Professional budgeting and financing services can provide an overview of your overall finances, including income, expenses, debts, and assets. This information can be invaluable in making sound financial decisions and achieving your financial goals.
- Reduce your expenses: Our specialists can help you identify areas where you may be able to reduce your expenses, freeing up more money for your savings and other financial goals.
- Detailed budgeting and cash flow management plans: including tailored advice on leveraging employee share schemes to maximise your financial benefits
Personal Insurance
It can be frightening to think of “What If” situations, but the reality is that we need to be covered if these events occur and impact our income and in turn, the well-being of our family. We can help you find the ideal insurance for your situation through life insurance and income protection insurance.
Personal insurance services are designed to safeguard individuals and their families from financial loss in the event of an unexpected death, disability, or illness. These services can provide income replacement, pay for medical and funeral expenses, and help with other financial obligations.
Beyond personal insurance, our comprehensive wealth protection services also include:
- Estate Planning: Expert advice to protect and distribute your assets according to your wishes.
- Risk Management: Custom risk management strategies designed to address your unique financial challenges.
Philanthropic Financial Planning
Philanthropic financial planning is about turning your values into lasting impact. We help you structure charitable giving in a thoughtful and strategic way, so your support reflects what matters most to you while aligning with your broader financial and legacy goals.
- Gifting and Philanthropy: We offer guidance on supporting loved ones and contributing to meaningful causes.
- Disability Trusts: Specialised support for families with members living with a disability, ensuring long-term financial stability
Superannuation Strategies
When it comes to your superannuation, there are several factors to consider to make the most of your retirement savings. This is where our superannuation strategy services can be extremely beneficial.
With C & H, you can actively track your superannuation goals throughout your career to ensure they not only work for you but transform when and how you retire. Don’t wait until it’s too late; take control of your future now. Whether you have an Industry, Retail, or Self Managed Super Fund, we can help you prepare for your retirement years.
Family Financial Planning
Family financial planning is about helping you stay in control while life keeps moving. As costs rise, responsibilities grow, and priorities change, we provide clear, practical advice to help families make confident decisions around money.
From managing household cash flow and budgeting to protecting your income, planning for education costs, and building long-term security, our approach gives your family structure, clarity, and confidence without adding complexity.
Business Financial Planning
Business financial planning is about giving business owners clarity and control in an environment that is often complex and demanding. We help you bring structure to cash flow, tax, superannuation, and investments, while aligning your business decisions with your personal financial goals.
By taking a considered, practical approach, we support sustainable growth, manage risk, and ensure the success of your business contributes meaningfully to your long-term financial security.
For more information on our business services, please refer to our business advisory services page.
Why Choose C&H for Your Financial Planning?
At C&H, we believe effective financial planning starts with understanding. Understanding your goals, your family, your business, and what you want your future to look like. That’s why we take the time to listen, ask the right questions, and tailor strategies to your life, not just your finances.
With more than 30 years of experience supporting individuals, families, and business owners across Montmorency, Doreen, and surrounds, our team brings depth, perspective, and practical insight to every conversation. By combining accounting, tax, and financial planning expertise under one roof, we offer a holistic approach that considers every aspect of your financial world, from everyday decisions to long term wealth and legacy planning.
Whether you are managing family finances, building personal wealth, running a business, or planning for the next stage of life, we provide clear guidance focused on helping you make confident decisions, reduce financial stress, and create a future that supports the life you want to live.
Regardless of your age or place in life, our specialists are passionate about guiding you and your family on the many ways to achieve a life free of financial strains.
Hear From Our Financial Planner
Hayden Pike
Financial Adviser since 2017
Bachelor of Finance (Financial Planning)
Throughout my career, I’ve had the pleasure of working with young professionals, families, retirees and business owners. My approach centres on providing advice that’s clear, holistic and tailored to help you live the life you want. I believe financial guidance should give you confidence and clarity, not confusion.
Providing Financial Planning in Montmorency, Dorreen, and Surrounds
C & H proudly services clients in Melbourne’s Northeastern suburbs, with a strong local presence and offices in both Montmorency and Doreen.
Montmorency Office
For those seeking services in Montmorency, you’ll find our office located at 14/39 Grand Blvd, Montmorency VIC 3094. Just a 15-minute walk from Were St.
Doreen Office
You’ll find our Doreen offices located at Level 1/100 Hazel Glen Dr, Doreen VIC 3754, directly across from Laurimar Primary School and close to the Laurimar Town Centre.
Remote & Online Financial Planning
If you’re based elsewhere in Melbourne, we make expert advice simple and accessible. Alongside in-person consultations, we also offer flexible meeting arrangements via Teams, Zoom, or phone to suit your schedule.
FAQs
There is no “right” age to start working with a financial planner. The best time to engage a financial planner is when you want clarity and direction around your finances.
For some, that may be early in their career when they are building wealth and managing growing responsibilities. For others, it may be later in life when planning for retirement or major milestones.
While the terms are often interchangeable, the differences listed between financial adviser and financial planner are considerable.
In Australia, Financial Adviser is a legal term and determines who can legally provide advice about super, investments, retirement and insurance in Australia. These professionals tend to focus on specific products like insurance, superannuation, investment, or or areas like retirement or wealth accumulation
A financial planner generally takes a broader, more holistic approach, looking at your entire financial picture. This includes creating a full retirement plan, building a long-term wealth plan, mapping cashflow, debt, and savings, planning for life events, and coordinating strategies with accountants, mortgage brokers, and estate planners. With this guidance you understand how all the pieces fit together.
Neither is inherently better, but comprehensive financial planning is often more effective for people seeking long term clarity and confidence.
For many people, professional financial planning is a worthwhile investment. A planner helps you avoid costly mistakes, improve decision making, and create strategies that support long term financial security. The right advice can save you time, reduce stress, and help you make the most of the opportunities available to you.
Ultimately, the value comes from having clear direction and confidence that your financial decisions are working towards your goals.
There is no minimum amount of money required to benefit from financial planning and, despite what you may have heard, isn’t only for people with significant wealth. It is about creating structure, making informed decisions, and planning ahead, regardless of your starting point.
Whether you are building savings, managing family finances, running a business, or preparing for retirement, financial planning can provide clarity and support at every level.
Book Your Initial Consultation Today!
Schedule a complimentary, no-obligation initial consultation at our Doreen or Montmorency offices to learn more about how we can help make your money work harder and smarter.
Have questions? Please contact our friendly team at enquiries@chcpas.com.au or give us a call on (03) 9431 1420.
