Having dealt with Tom Moraitis, all of his past clients share the same sentiment: ”if it wasn’t for Tom coming to our home that evening, we can’t imagine where we would be today”

His warm and open approach is simply the sharing of information, highlighting possible areas of concern and the facilitation and co-ordination of financial specialists to address those concerns.

“Our clients are invited to take full advantage of our five step process. They are never obliged to make any commitment to proceed with any recommendations suggested by our professional partners, unless they are 100% satisfied. Our job is not to coerce anyone into any form of commitment beyond their level of confidence.

Our job is to provide them with sufficient information and resources to make a decision of their own choice. When we achieve that, our job is done!”

A natural, down to earth, people person with entrepreneurial flair, Peter relies on integrity and quantifiable results to fuel his actions. Having come from humble beginnings starting off his career in sales, to building an impressive investment portfolio in South Africa, Peter enjoys meeting people in their homes and sharing his vision with them.

“The best part of our business is showing people the possibilities that they never knew existed!”

With a solid record of repeat and referral business from satisfied clients, Peter is always more than happy to share his passion and highlight the possibilities that are available to many Australians!

Ten years ago Jeff was approached by a company to set up a similar comprehensive strategy that the H.I. Group specialises in today.

While the intention behind the concept was sound, the scruples and ethics of the people left a lot to be desired. Notwithstanding this unfortunate match, the strategy still worked in Jeff’s favour. This was the catalyst that set the course for Jeff’s vision. His vision was to create a team of professionals and referral partners to provide this much needed service to the Australian people.

Jeff’s passion to helping every day Australians achieve the lifestyle of their choice, is demonstrated and clearly evident after only a short while in his presence. His communication style is warm, relaxed, convincing and engaging.

“Our process is simple, structured, informative, easy to understand and always without obligation. We share information, provide options and put our clients in a position where its easy for them to make a decision. Either way, our clients always come through our process better educated and confident, whether they choose to proceed or otherwise.”

Dear Jeff,
To whom in may concern,

It didn’t take long to see the value that using H.I.Groups  service’s had to offer in putting together the right structure for me

I am very happy with the service and the result of my partnership with Jeff and his team in creating the structure for me.

Their attention to detail, personalised service and the support from their recommended partners and associates made the process smooth, quick, and very easy.

I am looking forward to the continued growth from this new structure, to move into the next stage of my financial wealth creation plan.

Thanks Jeff, David and Tom for all your introductions and professional support.

Best Regards,
Andrew T, Noble Park, VIC

Dear Tom,
Thanks for your introduction and assistance.

We have been thinking about doing something concrete about our future for a long time now. With your assistance and guidance it was soon made clear that you and your associates know how to identify needs and create customized solutions.

We also appreciate your subtle manner, as there was no forced presentation or pressure placed on us to proceed with anything. It was totally up to us. As we see the cogs in motion of the entire process from beginning to end, it only adds weight to the confidence we have already to do it again ASAP. Much obliged for your initial introduction, for without it we wouldn’t be where we are today!

Kind Regards,
Lucky P & Irma D, Mt Eliza VIC

My husband and I were referred to Jeff Kollen a few months ago by our daughter and son in-law. We were seriously considering doing something about our future, and we had only heard good things about this company, so  we decided to  check out what this company was all about.

Jeff came out to see us. He was very open, honest and answered all of our questions without hesitation. We were quite impressed with the idea and decided to invite Jeff out for a second meeting where we decided to investigate further. Jeff introduced us to other highly competent professionals based on the outcomes of our needs. Overall we found Jeff to be very open and willing, answering questions to please us and assist in our decision making. We both felt at ease being around Jeff to share this experience with us as it is such an important decision in our future. We are looking forward to taking the next step in this journey and feel we are in good hands with Jeff to support us. 

Yours sincerely, “ 
 Helen & Glenn S, Redbank Plains Qld

Dear Tom,
Just a quick thank you for encouraging us to take advantage of your free consultation.

This is something we would never have done without your help.

As you know I was extremely sceptical when you first approached us.

Eventually after speaking to you, and having been introduced to your team ,it put my mind at rest and convinced us to go ahead.

From that time, there was no looking back.

We have complete confidence in the structure that was set up, and we can already see the benefits.

Thank you again. I knew I could trust you, but it was still a big step.

As it turns out, it was a step worth taking.

Good luck with your ventures, you are doing a great job.
Best Wishes
Graeme & Wendy M, Box Hill South VIC

Surprisingly however, most people spend less than 1% of the length of their retirement on planning what is probably the longest holiday they will ever take.

Statistics taken from the Australian Bureau of Statistics show that more than 90 % of all Australians over the age of 65 are living on an income of less than $400 per week – a clear reflection of a lack of planning.

When you’re planning for 30 years or more of your life, it’s hard to imagine how much you will need to live on. A lot of Australians underestimate how much they need to enjoy even a modest retirement. A rule of thumb used by many financial planners is to estimate needing 65% of your pre-retirement income.

So just how do we go about avoiding ending up with more than 90% of Australians living in poverty?

The answer is simple – follow the leader, the world’s most successful business people, entrepreneurs and celebrities don’t achieve top results on their own. As Donald Trump says,” No matter how smart you are, no matter how comprehensive your education, no matter how wide-ranging your experience – there’s simply no way to acquire all the wisdom you need… You can’t know it all yourself. Anyone who thinks they do is destined for mediocrity.”

If you want financial success, then, it makes sense to turn to a fully licensed Financial Planner. A licensed Financial Planner can assess your current financial position to determine the best course of action to increase your financial position. They also have a professional duty of care not to over-commit you when planning for the future.

Your licensed Planner will outline a strategy to fulfill your needs at retirement age or earlier, to allow you to maintain your desired standard of living. They will determine any shortfalls that may exist and show you how, by making some small adjustments, you can improve your financial future. A simple financial assessment could be the difference between struggling to cope financially upon retirement, or a rewarding and comfortable lifestyle in your later years.

Despite the factual predictions of the limited life span of the pension in the future, and the warnings of the inadequacy in contributions towards Personal & Employer superannuation schemes, The vast majority of Australians will be subjected to sub-standard living conditions in their futures – due to lack of planning!

“Failing to plan means planning to fail!”

H.I. Group can assist as a guide to set you on the right path of “Assured Wealth” in your future! Simply take advantage of exploring the first step in our five step process by booking yourself in for a free consultation, ( The first four steps in our process are free without obligation)  and set your path on a course for financial freedom.

However, it is your home mortgage that demands the majority of your weekly income, and the majority of your mortgage payment is not always paying off your home, but is contributing towards interest – your Banks PROFIT!

While banks and the financial products they provide are a very important part of financial development and wealth creation, the banks are just like any other business. They need to make money from customers…people like you…in order to be profitable. Their products have a leaning towards maximizing profits for shareholders rather than looking after you as a customer.

If a 30-year home loan seems like a life sentence, don’t despair. It IS possible to save thousands in interest and cut years off your loan by applying a few simple strategies. Simple strategies that could significantly reduce your Mortgage down from a traditional 30-year term to 10-years – without affecting your weekly budget!

To find out more about these strategies, simply book yourself in for a free consultation and set your path on a course for financial  freedom.

When you work so hard for your money it just doesn’t seem fair to watch so much of it disappear does it? Understanding how to work the system can literally save you thousands each year.

If you don’t completely understand how different structures and strategies affect your taxable income, it can result in you paying more money to the government than you should. Most people just accept this but some people will seek the advice of a professional, this is undisputedly the best option

The sad truth is many of us end up paying more tax than we really have to because of poor planning, or no planning at all.

For the most part, we find that people are unaware of legitimate ATO Tax Legislation that could be saving them hundreds of dollars each and every week, this easily mounts up to hundreds of thousands of dollars over many years.

It is also a complete myth that tax planning is only for the super rich, or only for small business proprietors and the self-employed. Even ordinary wage and salary earners stand to benefit substantially from quite simple tax-planning techniques.

Simply take advantage of exploring the first step in our five step process by booking yourself in for a free consultation, ( The first four steps in our process are free without obligation)  and set your path on a course for financial freedom.