Insurance & Protection
Life insurance, total and permanent disability cover, trauma insurance, and income protection. We look at your circumstances and recommend cover that fits, not cover that pads a commission.
Read about insurance →Jacques Hugo — financial planner, Joondalup.
Independent advice on insurance, super and retirement. One office. One adviser. Real answers.
Most people do not know where their money goes. That is where we start.
At Luda Financial Solutions, we begin with cash flow management; how you manage your money. We analyse your spending, find the inefficiencies, and build a clear picture of what you actually have to work with. Only then do we talk about insurance, superannuation, and retirement planning.
Jacques Hugo has been advising clients in Joondalup since 2011. He is a qualified financial adviser and mortgage broker, and a member of the Finance Brokers Association of Australia. Before that, he ran his own accounting and tax firm in South Africa for sixteen years.
This is not a call centre. This is one person, one office, and a commitment to honest advice.
What we do
Super & Retirement
Superannuation review, consolidation, and topping-up strategies. We check whether your existing fund meets your needs and whether your retirement timeline is realistic.
Read about super & retirement →Mortgage Advice
First home buyers, refinancers, and investors. We look at your cash flow first, then find a mortgage that fits your long-term goals. We also check whether you qualify for the First Home Owner's Grant.
Call to discuss your mortgage →About Jacques Hugo
Jacques established Luda Financial Solutions in 2011 after moving from South Africa, where he ran his own accounting practice from 1995. He believes you cannot plan for the future until you truly know what your income and expenditure are. That philosophy drives every conversation.
Licensed and accountable
- ABN 37 156 353 427
- Credit Representative 419458
- Australian Credit Licence 389328
- AR 440599 | CAR 445597
- AFSL: Wealth Today Pty Ltd 340289
- FBAA Member
Start with a conversation
Book a no-obligation appointment at the Joondalup office. We will go through your spending, your goals, and your concerns. Then we will tell you exactly what we think you need; and what you do not.