Handre Vlok

I am a Principal Financial Planner and Director of Altum Financial Services, providing personalised, fee-only advice tailored to each client’s goals, values, and circumstances. I work with individuals, families, and business owners across all life stages to create practical, achievable financial strategies.

My advice areas include:

• Superannuation strategies, including Defined Benefit and accumulation funds
• Investment planning using managed funds and diversified portfolios
• Retirement planning and transition-to-retirement strategies
• Wealth protection through personal insurance
• Estate planning guidance and beneficiary strategies
• Tax-effective strategies and cash flow management
• Centrelink and aged care advice

I take the time to understand what matters most to my clients, then design a plan that is simple, clear, and actionable. I operate on a transparent, fixed-fee basis — no commissions or asset-based fees — ensuring my recommendations are always in your best interests.

I am based in Canberra and work with clients locally and across Australia, offering both face-to-face and virtual meetings.