See your whole financial picture in one place: what you own and owe, where your money goes each pay, and whether your savings are on track for the life you want. Then get a clear list of what to look into next.
Your answers stay on your device. Nothing is sent to us unless you choose to send it.
Most households finish in an evening or two. You can stop at any time and pick up where you left off.
A super statement and payslip for each person, a few months of bank transactions and your home loan statement. Upload them and the app fills in most of the answers for you.
The questions adjust to you, so you only see what applies. Each figure is marked as actual or estimated, so you can see how reliable your report is.
Download your PDF report. Your to-do list shows what to look into, and who can help if you want it.
Net worth, cash flow, debts and an emergency buffer, with every figure traced back to what you entered.
A thousand market scenarios show how likely your money is to last, and which changes move the dial most.
Twenty years of income and spending, with each item rising at its own ABS inflation rate for your city.
How much of each pay to set aside for bills, goals and an emergency fund, so nothing catches you out.
Wills and powers of attorney, insurance and super, private health cover and spending, ranked by priority.
What to ask an adviser, lawyer, mortgage broker or accountant, if you decide to see one.
The Health Check is yours to use on your own. If you’d like a hand with anything on your to-do list, here’s how we can help.
The app, your PDF report and your personal to-do list. Come back whenever you like to amend, adjust and update your scenario, and keep your financial foundation strong.
$199 to complete it yourself in the app
$240 with a personal guide through the process from one of our team
A once-off fee.
We can introduce you to a lawyer, mortgage broker, accountant, insurance broker or licensed financial adviser we trust. You contact them, and you decide what to share.
You don’t pay us for an introduction. Some providers pay us a flat referral fee, shown in your report before you choose. Your price is the same either way.
We can source and help you complete forms, such as super beneficiary nominations or applications to change cover, gather quotes and book appointments. You sign and send everything yourself.
$49 an hour (or part thereof), paid up front before work starts.
Insurance schedules, other loans and investments, and school fees make the report more accurate.
Most people don’t need a financial plan to take the next step. They need to see where they stand, what’s worth looking into, and who to ask. Hereford Consulting built the Financial Health Check to do exactly that, and connects you with trusted professionals when you want one.
Hereford Consulting is the sister business of Hereford Succession Advisory, which helps families plan the handover of the things that matter most.
[About Nick: your background, experience and why you started Hereford, in two or three sentences]
$199 to complete the Health Check yourself in the app, or $240 with a personal guide through the process from one of our team. It’s a once-off fee, and you can come back to update your answers whenever you like. Help with your to-do list, such as sourcing forms, is $49 an hour (or part thereof), paid up front. Introductions to professionals cost you nothing.
No. The Health Check gives general information based on what you enter. It doesn’t recommend any financial product, insurance policy or loan. Hereford Consulting doesn’t hold an Australian Financial Services Licence or an Australian Credit Licence. For advice, speak with a licensed financial adviser, accountant or lawyer.
On your own device, in your browser. We don’t see your answers. When you finish you can download your report and choose whether to share it with anyone. You can also choose to share anonymous statistics that help us improve the Health Check; that’s off unless you tick it, and we only contact you if you separately ask us to.
As accurate as the figures you enter. Each figure is marked as actual, estimated or typical, and the report shows a data confidence rating. Projections are estimates, not guarantees.
No. You can use anyone you like, or no one. Where a provider pays us a referral fee, the amount is shown in your report before you choose, and your price is the same either way.
Yes. Open the Health Check in Safari or Chrome and add it to your home screen, and it opens like an app with the Hereford icon.
Questions about the Health Check, or ready for help with your to-do list? Get in touch.