Prepared for Rob Pyne
Deliverables below
Every piece is finished, written in your voice, and yours to keep regardless of whether we work together.
Established professionals and business owners can be clear about the life they want after work, yet leave the financial decisions for later.
Maybe it means more time with family, giving the business a smaller place in the week, or simply having room to choose what comes next. That picture needs a place in today's decisions, because those choices can either support it or make it harder to reach.
HPH provides ongoing advice that starts with your values and goals, then connects your financial plan to the life you're working towards.
If you'd like to see how that advice relationship begins, click the link and read the HPH page.
If you're an established professional or business owner and retirement is getting closer, choosing a date only answers part of the question.
You still need to understand how your super, investments, protection and wider financial decisions fit together. When each one is handled on its own, it's easy to miss how a change in one area affects another.
HPH has provided financial advice since it was founded in 2002. Its approach is broad and ongoing, so the decisions behind retirement can be considered as one connected plan and revisited as your circumstances change.
To read what HPH's ongoing advice can cover, click the link and visit the page.
Established professionals and business owners know a decision inside the business can follow them home.
What you keep in the business can affect what you put aside personally. A change to your work can alter the way you think about super, investments or protection. Looking at those decisions separately can leave you trying to join the pieces yourself.
HPH takes a broad view and believes in relationships over transactions. That means your business and personal priorities can stay in the same advice discussion, with an adviser who understands the wider picture over time.
If that sounds useful, click the link to read about HPH and make an enquiry.
For established professionals and business owners, financial advice shouldn't stop as soon as the first plan is written.
Your work can change. The business may need something different from you, and the life you want in retirement can become clearer. Advice based on an old snapshot won't know any of that unless the relationship continues.
HPH says all of its client relationships are ongoing. The point is to stay involved as circumstances develop, so later decisions can be considered with the context behind the original plan.
Click the link to read how HPH approaches ongoing advice and, if it fits what you're looking for, make an enquiry.
Established professionals and business owners hear plenty of opinions about what they should do with their money.
A headline points one way. Someone you trust has a different view. The difficult part is knowing what belongs in your plan when your goals, responsibilities and circumstances are your own.
HPH prefers evidence over opinion. Its advice begins with your values and goals, then uses a structured, ongoing process to help you understand the decisions in front of you and how they relate to the life you want.
For a closer look at HPH's evidence-led approach, click the link and read the page.
We help established professionals and business owners make important financial decisions with a clear, coordinated plan. HPH provides ongoing financial advice across your personal finances, business interests, super, investments, protection and retirement planning, so each decision supports the life you want to build.
If this sounds like the kind of planning you need, complete the short enquiry form below this video and answer each question accurately. Depending on what you share, the next step may be a call to discuss your situation and whether an ongoing advice relationship may be suitable.
The reason to have this conversation before a major decision is simple: financial choices rarely arrive one at a time. A retirement decision can sit alongside a change in the business, a change in work, a family responsibility or a question about how existing arrangements fit together. Waiting for every detail to be settled can make those connections harder to see. You don't need to arrive with a perfect plan; a clear place to start is enough.
We start by understanding your values, your goals and the decisions in front of you. From there, we develop structured advice, help put the agreed plan into action and stay involved as your circumstances change.
Financial decisions become harder when the different parts aren't considered together. A decision about the business can affect the family. A change in work can alter the retirement plan. Super, investments and protection may each look reasonable on their own while still pulling in different directions.
An ongoing advice relationship gives you a way to consider those decisions together. It also means your adviser already understands the background when a new opportunity, concern or life change comes up. You can ask better questions, understand the reasoning behind the advice and move forward with more confidence.
HPH's role is to make the wider picture easier to discuss. That means listening to what you want your money to support, identifying the decisions that need attention and explaining how the different parts relate to one another. The plan is designed to stay useful as your circumstances change. It's a considered way to make decisions, put agreed actions into place and revisit the plan when your circumstances move.
Depending on your situation, the discussion may include retirement planning, superannuation, investments, protection, your personal finances or your business interests. Those areas won't have the same importance for everyone. The point of an ongoing relationship is to keep the advice connected to your priorities, rather than start with a product and ask your life to fit around it.
Implementation is important as well. Advice is easier to value when you understand what it means in practice and what needs to happen next. HPH describes its approach as structured advice followed by implementation and continued involvement. That gives you room to ask what has been agreed, what remains open and how a later decision may affect the wider plan.
HPH was founded in 2002. Our approach is built around relationships over transactions and evidence over opinion. We focus on a structured plan, careful implementation and advice that continues as life changes.
Clients have described the difference in very human terms. They talk about feeling informed and respected in the discussion, having more confidence around retirement, and finding relief when the financial side of life feels properly looked after. One client expected the early meetings to be dominated by spreadsheets, then found the discussion began with what the family valued and wanted their future to look like.
That kind of experience is useful context, but it isn't a promise about what your circumstances will look like. Financial advice needs to be personal to the facts, priorities and decisions involved. HPH's published approach is to begin with those facts and priorities, use evidence rather than opinion, and explain the reasoning so you can stay involved in the decisions.
This service is designed for people who want an adviser to understand the full picture and remain involved. An established professional approaching a major transition may find that useful, as may a business owner trying to coordinate personal and commercial decisions. The same applies to a family that wants clearer planning around retirement, protection or wealth across generations.
Because HPH works through ongoing advice relationships, this isn't a one-off consultation. And if you're only looking for a quick product recommendation, it won't be the right fit. The work is collaborative. You remain an informed participant, while the advice, implementation and review are handled in a structured way.
It's also reasonable to ask how this fits with the professionals you already trust. If an accountant or another adviser is involved in your business or financial affairs, bring that context to an HPH call. You can ask where the proposed advice begins, which decisions it's meant to address and how the different pieces should be understood together. Clear scope makes it easier to judge whether the relationship is useful.
The same applies to fees. HPH doesn't publish a standard fee because the scope of advice can depend on the circumstances and the work proposed. That shouldn't make the fee discussion vague. Ask what advice is being proposed, what it covers, what fees apply and what ongoing service would be included. Those are questions worth answering before you decide whether to go further.
And if you're concerned that a financial advice conversation will become a product sale, say so. HPH's approach begins with values and goals, then develops structured advice around them. If a product is discussed later, you should understand its role in the wider plan and why it's being considered. You don't have to give up your understanding in order to receive expert help.
If that sounds like the kind of financial advice you're looking for, complete the short enquiry form below this video and answer each question accurately. Depending on what you share, the next step may be a call to discuss what you need and whether an ongoing advice relationship may be suitable. That call begins the discussion. Any personal advice comes later, through the appropriate advice process.
Thanks for booking a call with HPH.
You may be looking at retirement, a change in the business, how your superannuation and investments fit together, or what you want to protect for your family. Whatever brought you here, the call gives you a chance to explain what's happening and ask whether ongoing financial advice may be suitable.
One of our advisers will ask about the decisions in front of you and your priorities. HPH provides financial planning across retirement, wealth, superannuation, investments, protection and major life transitions. The call is the starting point for understanding your needs, so you don't need to arrive with a finished plan.
We'll also send a few short emails that answer common questions before the call. Keep the ones that are useful and bring any remaining questions with you.
There are several short clips below this one. They cover the scope of advice and fees, why HPH works through ongoing relationships, concerns about products, how advice can sit alongside an accountant's work and what may happen after the call. Watch the useful clips so the adviser can spend more of the call on your circumstances.
We look forward to learning more about what you need.
HPH provides financial planning for professionals, business owners and families across retirement, wealth, superannuation, investments, protection and major life transitions.
Your relevant scope depends on the decisions you need help with. That scope may cross several of those areas, or the immediate concern may sit in one place.
HPH doesn't publish a standard fee, so we won't put an amount in this video. On the call, ask the adviser what advice may be proposed, what that scope would cover, what fees apply and what ongoing service would be included. You should have those points explained before deciding whether to go further.
Bring any fee or scope questions to the call. One of our advisers can address them in the context of your needs.
HPH works through ongoing advice relationships and doesn't offer one-off consultations.
That model reflects the kind of work the firm does. Retirement plans, business decisions, superannuation, investments and family responsibilities can affect one another, and they can change over time. An ongoing adviser can keep the wider plan in view as those circumstances change.
It also means you should use the call to understand what an ongoing relationship involves. Ask what advice would be covered, how the service would relate to your priorities and what fees would apply.
If ongoing advice is the part you're unsure about, raise it directly with the adviser on the call.
It's reasonable to ask whether financial advice will lead straight to a product recommendation.
HPH's published approach begins with your values and goals, then develops structured advice around them. The wider plan comes first. Any recommendation needs to be understood in that context, including the role it would play in the plan.
Use the call to ask how HPH approaches recommendations and how you'll be kept informed. If a product is discussed later, ask why it's being considered and how it relates to the outcome you're working towards.
One of our advisers can talk through that approach with you on the call.
If you already have an accountant, tell the adviser. Explain what your accountant currently helps with and which decisions you're trying to connect.
You don't need to decide before the call where each professional's role begins and ends. Start by making the existing work visible, particularly where business and personal finances affect one another.
From there, the adviser can explain where HPH's ongoing financial advice may sit alongside the work already being done. If you want the professionals involved to coordinate, ask how that would be handled before deciding whether to proceed.
Bring your accountant's role into the discussion so the adviser has the right context.
The call is an initial discussion about your needs and whether an ongoing advice relationship may be suitable.
If the next step makes sense, HPH's published process begins with understanding your values and goals. From there, the team develops structured advice, supports implementation and stays involved through an ongoing relationship as circumstances change.
The exact scope and fees haven't been set out in this video. Ask the adviser to explain any proposed next step, what it would cover and what it would cost before you decide whether to continue.
Use the call to get a clear answer on what may happen next in your circumstances. One of our advisers will take it from there.
A useful question before your HPH call
Preview: Start with the life decision behind the financial question.
Your call with HPH is a chance to discuss the financial decisions in front of you and whether ongoing advice may be suitable.
HPH provides ongoing financial planning for professionals, business owners and families. That can include retirement, wealth, superannuation, investments, protection and major life transitions.
Before the call, write down the one decision you most want help with. It might be a retirement date, a change in the business, how your finances fit together or what you want to protect for your family.
Bring that question to the call.
The HPH team
What belongs in your financial plan
Preview: A short list can make a complex financial picture easier to discuss.
Financial decisions rarely sit in isolation. A change in the business can affect superannuation, investments, protection and retirement plans at the same time.
HPH's approach is to begin with your values and goals, then develop structured advice around the wider picture. You don't need to solve that picture before the call.
Make a short list of the areas that feel connected or unresolved. Include only what's relevant to you.
Keep the list beside you for the call.
The HPH team
A direct question about advice fees
Preview: The right fee discussion starts with a clear proposed scope.
HPH doesn't publish a standard fee, so this email won't give you a number that may not apply to your circumstances.
The useful questions are practical: what advice is being proposed, what will it cover, what fees apply and what ongoing service would be included?
Ask the adviser to explain the proposed scope and fees before you decide whether to go further.
The HPH team
Where your accountant fits
Preview: Your existing professional relationships are useful context for the call.
If you already work with an accountant, the HPH team should know. The same applies to any other professional helping with your business, estate or financial affairs.
You don't need to decide in advance where one person's role ends and another begins. The call can clarify what you already have covered and where financial advice may sit alongside it.
Note the work your accountant already handles and raise it on the call.
The HPH team
Before you speak with HPH
Preview: You don't need to arrive with every answer or document prepared.
This HPH call is an initial discussion about your needs and whether an ongoing advice relationship may be suitable.
You can ask about the scope of advice, ongoing service, fees, working with your accountant or concerns about financial products. If several issues are competing for attention, start with your highest-priority life decision.
Bring that question to the call and ask it early.
The HPH team
Start with the life decision
Preview: A financial plan is more useful when it begins with what needs to change.
It's easy to begin financial planning with account balances, products or market news. Those details are useful, but they're easier to assess once the decision behind them is clear.
You may be deciding when to step back from work, how to separate personal wealth from business risk or what you want your family to be able to rely on. That decision gives the financial work a purpose.
HPH provides ongoing financial advice for professionals, business owners and families. Its published approach begins with values and goals, then moves into a structured plan and implementation.
Write down the next life decision your money needs to support.
The HPH team
When financial decisions stop fitting together
Preview: Business, superannuation and investments can pull in different directions.
A business owner can make a sensible business decision and still create an awkward personal outcome. An investment can look reasonable on its own while doing little for a retirement plan. Insurance can sit untouched even after family responsibilities change.
Several reasonable decisions may simply have been made separately.
HPH looks across retirement, wealth, superannuation, investments, protection and life transitions so each decision can be considered as part of one plan.
List the financial areas you currently review separately and mark the ones that affect each other.
The HPH team
Why financial advice may need to continue
Preview: A plan can become outdated as work, family and priorities change.
HPH works through ongoing advice relationships and doesn't offer one-off consultations.
Decisions in a financial plan don't stand still. A business may change as retirement gets closer or family responsibilities shift, so the plan needs to be reviewed against what's happening in your life.
Ongoing advice gives an adviser the context to revisit decisions as circumstances change, rather than treating each question as a separate transaction.
Ask yourself which parts of your current plan haven't been reviewed since your circumstances last changed.
The HPH team
A product is only part of the plan
Preview: Start with the outcome, then assess what belongs in the plan.
Concern about being sold a financial product is reasonable.
HPH's published approach begins with your values and goals, then develops structured advice. That means the first question is what you're trying to achieve and how the parts of your financial life fit together.
Any product discussion should make sense within that wider plan. You should understand why it's being considered and how it relates to the outcome you discussed.
When a product is recommended, ask what role it plays in your plan.
The HPH team
Advice without giving up control
Preview: Good advice should leave you informed about the decisions being made.
Many people want help with complex financial decisions without handing over their understanding of them.
Dr Shaun Ridley FAIM describes that balance on HPH's official testimonials page. He says he and his family liked being valued, respected and informed, while recognising that HPH had expertise they didn't have in areas such as superannuation legislation.
That's a useful standard for any advice relationship. You should be able to ask questions, understand the reasoning and take part in decisions that affect your family.
Write down one part of your finances you want explained more clearly.
Source: HPH Solutions official testimonials page.
The HPH team
Every asset above plugs into one place in this flow. Once it's running, the only thing you see is qualified bookings on your calendar.
We handle every piece of the build, deployment, and the first 30 days of campaign management. You film, we run.
If yours isn't here, it's the first thing we'll cover on the call.
