About Us

We are very passionate at helping individuals, families and businesses achieve their financial goals and dreams so they can spend more time on what is important to them.

John Hiolos and Nicholas Christou are joint partners of H & C Financial Partners Pty Ltd, established in 2014.

They have a combined experience in Financial Services spanning over 15 years.

2016 State Region Winner

New Practice of the Year 2016

2017 Blue Award

2017 VIC/TAS Blue Walsh Award Winner

Getting on top of your finances, taking control of your debt and understanding the various intricacies and ever changing rules of superannuation, tax, investments and financial planning in general can be stressful.

Our role is to take the ‘complicated’ away from our clients by developing and implementing a tailored financial plan that meets your specific needs and overall goals.

Should you wish to discuss your financial and lifestyle goals or if you are simply looking for further information and would like to learn more about how we could assist you. Please feel free to contact H & C Financial Partners on 03 9021 2089.

Meet The Team


Nicholas Christou AFP® - BBus, DipFSFP, DipBus

Nicholas Christou is Managing Director and partner at H & C Financial Partners.

With 11+ years’ experience in the Banking & Finance Industry, Nicholas is a Financial Planner AFP® and has a broad and extensive knowledge around all facets of Financial Planning.

He prides himself on delivering expert and tailored advice to each of his clients.
When time allows, Nicholas loves nothing more than spending valuable time with his wife, his baby daughter and their close family and friendly. He is a huge supporter of the AFL and enjoys dining out.

John Hiolos CFP® – BComm (FP & Fin)

John Hiolos is Managing Director and partner at H & C Financial Partners.

John is a Certified Financial Planner CFP® and brings with him more than 9 years’ experience in the Financial Planning industry. He is a highly skilled adviser and dedicated to providing a service of excellence to every client.

Away from the office John enjoys spending most of his time with his wife & close family and has a huge passion for Soccer & AFL.

Nick has been a pleasure to deal with, I am so grateful for all his advice and assistance. Nick is so genuine and passionate about what he does, he really has your best interests at heart and I have full trust in him with all personal matters. The process in consolidating all my supers and having the appropriate level of cover was so easy I wish I had consulted Nick sooner. I look forward to dealing with Nick in the future.


Superannuation and Insurance review

Why it pays to contribute to your partner’s super

If your other half is a stay-at-home parent, working part-time or out of work, adding to their super could benefit you both financially. If your spouse (husband, wife, de facto or same-sex partner) is a low-income earner or not working at the moment, chances are...

How much super should I have at my age?

We look at the average super balances for different age groups in Australia so you can see how your super savings compare. A healthy super balance can be a key ingredient in being able to live the life we want in retirement. But for many people, retirement is a long...