Advice should be proportionate
A life risk conversation does not need the apparatus of a full financial plan. General Advice carries real obligations and we take them seriously, but they should match the advice being given rather than dwarf it.
About HAE Financial
Built by advisers who got tired of the paperwork.
We are a specialist General Advice licensee for Australian life risk advisers. Privately owned, licensed since 2018, and run from the Gold Coast by two people who have sat exactly where you are sitting.
Why we built this
Two advisers, a spreadsheet, and an uncomfortable answer.
Pete and Marty were both practising financial planners. They wrote life insurance, they were good at it, and they liked the part of the job where you sit across a table from a family and work out what happens if the worst happens.
What they did not like was watching the economics of that work quietly come apart. Under a personal advice framework, every life risk case carried a full fact find, a Statement of Advice that ran to fifty pages, and a compliance review at the end of it. The cost of producing the advice kept climbing. The revenue for producing it did not.
General Advice was never a workaround. It is a scope of advice that already existed, already sat inside the Corporations Act, and already fitted the conversation they were actually having with clients. What did not exist was a licensee built deliberately around it, with the systems to make it work at volume rather than as a one-off.
Now that they have built it, they are opening it up for other like-minded advisers.
The proposition
Your licence. Your tech. Your growth.
With over twenty-five years of life insurance experience between them, HAE Financial was built by advisers, for advisers. We provide a streamlined General Advice framework that removes the traditional compliance bottlenecks, letting you focus on client protection and business growth.
Every practice is different, so we offer two partnership pathways. Choose the Authorised Representative model to tap directly into our proven systems, or select White Label Life to build a risk division completely under your own brand.
Whichever path you take, we equip you with a CRM built for General Advice. It manages your compliance while doubling as a marketing engine that can host your website, drive your social media and automate your campaigns.
What we believe
Four things we will not budge on.
Your clients are yours
Client ownership sits with the adviser, one hundred per cent, for as long as you are with us and after you leave. It is written into the arrangement rather than promised verbally, because we know it is the thing advisers worry about most.
A licensee is a growth partner
Most licensees are a cost centre that sends an invoice and a policy manual. We would rather be the reason your book grew this year, which is why the platform runs your marketing as well as your compliance.
Compliance belongs in the workflow
If the audit trail is a separate task you do on a Friday afternoon, it will get done badly. Built into the job as you go, it becomes a by-product of advising properly rather than a chore at the end.
The directors
Who you will actually deal with.
Two founding directors, both former financial planners. When you ring, one of them picks up.
Peter Karaberidis
Director & Compliance Manager · Responsible Officer
Pete brings hands-on advisory experience and regulatory expertise to his role. With a background as a financial planner, he understands the daily operational realities, the commercial pressures and the client-centred focus required to run a life risk practice, because he ran one.
- Founding director. A director since the licensee began in 2018, instrumental in building an AFSL designed specifically for life insurance professionals.
- Compliance management. As Compliance Manager and Responsible Officer, Pete oversees adherence to federal regulation and internal policy.
- Bridging advice and regulation. He specialises in translating requirements such as ASIC regulation and AML/CTF obligations into processes that work in practice rather than bottleneck growth.
Pete’s job is making sure our Authorised Representatives can operate confidently inside the regulatory boundaries, so their attention goes where it belongs: scaling their business and protecting their clients.
0437 376 785
Martin Weir
Director & Operations Manager
Marty brings a strong advisory foundation and sharp operational instinct to his role. Also a former practising financial planner, he understands the systems, the support and the small efficiencies advisers need to run a thriving risk business without drowning in admin.
- Founding director. A driving force since inception in 2018, dedicated to building a licensee that champions General Advice and puts advisers first.
- Operations management. Marty is the engine behind the infrastructure, making sure the CRM, the marketing tools and the daily support systems fit how advisers actually work.
- Adviser-centred systems. Drawing on frontline experience, he focuses on removing administrative friction so practices can scale without red tape.
Marty believes a licensee should be a growth partner, not a roadblock. His whole operational approach is built around turnkey systems that let advisers drop the personal advice burden and run an efficient, profitable life risk business.
0424 176 070Licensee support
What we do for you, every day.
The support behind every Authorised Representative, so the business runs properly rather than merely legally.
Compliance & licensing
Authorisation, supervision, monitoring and the audit framework behind it. This is the core of what a licensee is for, and it is Pete’s day job.
Research & an extensive APL
Approved product list breadth across ten insurers, with the research behind it, so you are never forced to place a client somewhere that does not suit them.
Development & practice management
Continuing professional development, technical support and the practice management help that turns a licence into a working business.
- 2018
- Licensed and operating
- 501891
- Australian Financial Services Licence
- 40296
- AFCA membership
- 10
- Insurers on the panel
Stop leaving life risk revenue on the table.
One conversation, thirty minutes. We will tell you honestly whether General Advice suits your business, and whether HAE is the right licensee for it. If the answer is no, we will say so.
Speak directly with Marty or Pete. No call centre, no gatekeeper.