FINANCIAL PLANNING

We are a CFP financial planning practice with over 20 years experience located in Bondi Junction, Sydney NSW Australia. Hexagon Financial Services is licensed by ASIC (AFSL 247108). We are 100% independently owned are therefore are not aligned to any bank or fund manager. This is an important distinction!

Hexagon Financial Services is a boutique financial services practice.

Bill Karraz is a PRINCIPAL MEMBER of FPA of Australia and is a Certified Financial Planner (CFP) is evidence of our high regards and acceptance within the industry. 

OUR SERVICES INCLUDE:                          

• WEALTH CREATION
• Manged Funds

• Government Bonds and Debentures  

• RETIREMENT PLANNING

• Super and Retirement advice

• Super consolidation  

• Super Pensions

• SMSF (Self Managed Super Fund)

• Social Security Pension Advice

• WEALTH PROTECTION -PERSONAL

• Income Protection Insurance

• Life and TPD Insurance

• Trauma Insurance

• WEALTH PROTECTION- CAPITAL 
• 100% Protected Investments
• Options
• Warrants 
• Other Derivatives
• Asset structure and planning
• PROPERTY (RESIDENTIAL) ADVICE
• Cash flows
• IRR and NPV
• Gearing advice
• OTHER

• Budgeting and cash flows

• Debt consolidation

• Taxation and Estate Planning

Financial Service Guide (FSG) .pdf please click to print

None of the funds/developers on our recommended list have any ownership interest in our firm, nor do we manufacture funds. We charge fees based on a fixed-dollar amount and/or a percentage of the investment amount agreed. This fee can be taken out of your investment lump sum, or paid in cash or and from any commissions we receive by the fund managers or developers.

By charging fees and having separate ownership, we can then provide you with true investment diversification with no conflict of interest (unlike banks and insurance advisers partly or fully owned by funds they recommend see table below). 

We have access to over 40 fund managers and, with over 1000 investment funds to choose from, we regularly review and tune our recommended list in order to provide you with the best possible results.  

Before any recommendation is made, we will conduct an extensive fact finding program so as to ensure that the correct investment strategy is tailored to your current and future financial situation. Your money will be invested wisely between bank accounts, managed funds, government bonds and residential properties. 

Every comprehensive plan covers the implication of tax, liquidity, investment risk, security and estate planning. 

We will not accept any investment money except our fees. All cheques are made out directly to the manager we recommend.  

License Details:

To view details of our license with AS&IC. Please go to the ASIC License Register or by clicking http://www.search.asic.gov.au/fsr/flb.html. You may search by either name of licensee (KARRAZ Bill N) or licensee number (our license number is 247108).

To search for Authorised Representatives of Hexagon Financial Services you go to http://www.search.asic.gov.au/fsr/flb.html. We currently have no Authorised Representative as Bill Karraz is the Financial Planner who is sole Licensee.

Call us now on +61 2 9386 9011

Seven reasons why Hexagon Financial Services will meet your financial needs:

1. Free your time: Let us do the searching, recommending and formulate your investment strategies so you have more time for yourself.  

2. Non bank or fund manager owned: Hexagon Financial Services are not manufacturers of products.  According to recent research, financial product providers own three out of four financial planning dealers in Australia. These dealers have a financial interest to promote their parent company's products! (see sample table below).

3. Access to approx. 250 products and more than 50 funds: Each and every product recommended by us must pass a thorough research process. Our approach is to select products that are well designed, cost competitive, have a proven track record and offer high levels of service.

4. The latest, most up-to-date information: Your Hexagon Financial Service adviser is a dedicated professional constantly working hard to keep up with all the latest information.

5. One-stop-shop: Your Hexagon Financial Services adviser can provide you with comprehensive financial advice such as accounting, tax, investment, home loans, all done inhouse. 

6. A financial planner with a tax & accounting background: Your Hexagon Financial Planner is the best professional to provide financial advice because they understand tax. We can legally recommend the most effective tax strategies as well as wealth creation to allow you achieve your retirement and investment goals faster.

7. 100% independently owned: When you deal with Hexagon Financial Services you will be dealing with Bill Karraz who is the principal licensee and not an authorised person to a principal dealer you will never see. 

For more than a decade Hexagon Financial Services have advised and helped Australians achieve their financial goals by specialising in providing professional, independently researched financial services.

Ownership and Advice 

Hexagon Financial Services understands that clients don't want their adviser to be a salesperson for a parent company's financial products. We at Hexagon Financial Services will not be biased in promoting our own funds, as we have none. 

We at Hexagon Financial Services feel in order to protect clients and maintain our independent ownership we cannot pursue any offers to sell out. 

Below is a table of sample ownership list of a number of dealer groups in Australia we have selected. All of the dealers below, except Hexagon Financial Services, have their own funds that they run and promote. Hexagon Financial Services understand that need of a good financial advice - not a good sales pitch.

*Alphabetical order of Ownership of Dealers and is correct as at 1 November 2000

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