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 25+ years.

2016 State Region Winner

New Practice of the Year 2016

2017 Blue Award

2017 VIC/TAS Blue Walsh Award Winner

2018 Blue Award

2018 VIC/TAS Blue Walsh Award Winner

More coming...

…we just love winning awards in recognition of  our service to you.

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 AFP® - BBus, DipFSFP, DipBus

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

With 15+ years’ experience in the Banking & Finance Industry, Nicholas is a Financial Planner AFP® and has a broad and extensive knowledge around all aspects 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 young daughter and son and their close family and friends. He is a huge supporter of the AFL and enjoys dining out.



Samantha holds a degree in Business Management and works as the team’s Financial Planning Assistant having joined in 2021.

Naturally curious, she’s very enthusiastic when learning new things.

During her free time, she loves cuddling with her pets, watching documentaries and chilling to Stevie Wonder. She’s a big STAR WARS fan and considers Princess Leia as one of the greatest characters ever written.

John Hiolos CFP® – BComm (FP & Fin)

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 12 years’ experience in the Financial Planning industry. He is a highly skilled adviser and dedicated to providing a service of excellence to every client.

John is very passionate about educating young families and those nearing retirement about the value and benefits of Financial Advice.

Away from the office John loves spending his time with his wife and young daughter. He enjoys travelling, trying new foods and has a huge passion for Soccer and the AFL.

Dimi Hiolos


Dimi joined the team in 2017 in a dual Social Media & Administration role.

He brings with him innovative ideas and a wealth of knowledge in marketing strategies.

When time allows, Dimi is a keen soccer player, enjoys gaming and is a diehard Carlton and Manchester United Supporter. 

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

Super investment options – what’s right for you?

Super investment options – what’s right for you?

Choosing the right super investment options at the right time could make a difference to how much money you have when you retire. When it comes to your superannuation, the investment options you choose today and in future may impact how much money you retire with. If...

Why it pays to contribute to your partner’s super

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...