This question is becoming one of the most common money-related prompts typed into AI: “Can ChatGPT replace my financial planner?” It’s understandable. AI is fast, accessible and confident. It explains […]
Financial planning is often viewed as a numbers game. Balance sheets, investment returns, tax strategies, and retirement projections dominate the conversation. Yet beneath the spreadsheets lies an invisible driver that
Identifying Emotional Biases In Financial Planning Read More »
The term ‘Sandwich Generation’ usually refers to people (often in middle age) who are simultaneously supporting (or caring for) both their children (or younger dependents) and their ageing parents (or
Sandwich Generation Pressures: How To Plan When Supporting Kids And Ageing Parents Read More »
Joe, 61, and his wife Jane, 54 (not real names), had recently sold their family farm and were looking for a smart way to manage the proceeds. They wanted to preserve their wealth, reduce future tax obligations, and create a sustainable income stream for retirement. Like many conservative investors, their initial instinct was to keep the funds in cash and prioritising safety over growth.
However, through a structured financial strategy, we helped them move from a purely defensive mindset to a diversified, tax-efficient investment plan designed to protect and grow their wealth long-term.
Case Study: Strategic Wealth Planning After Sale of a Farm Read More »
For many Australians, high-interest online savings accounts have been a reliable way to grow cash savings. ING and UBank, in particular, have been long-time favourites thanks to competitive rates and
Upcoming Changes – Can “High Interest” Savings Accounts Still Work for You? Read More »
The FIRE movement: Financial Independence, Retire Early, has captured global attention over the last decade. Originating in the US, FIRE is about saving and investing aggressively so you can step
Financial Independence, Retire Early (FIRE): What It Means for Australians Today Read More »
Raising financially capable kids is one of the greatest gifts a parent can give. In a world of tap-and-go payments, Afterpay, and digital wallets, teaching children about money is more
Teaching Kids About Money: A Guide for Australian Families Read More »
Advice regarding income tax considerations for wealth accumulation needs to very personalised, as do the investments selected.
Income tax considerations for wealth accumulation Read More »
As widely expected, the RBA cut its cash rate from 4.1% to 3.85% on the back of further evidence that inflation continues to ease.
The RBA cuts again and becomes more dovish Read More »
At HPH Solutions, one of our core values is We over Me. It reflects our belief that financial advice is most effective when it’s built on shared understanding
“We Over Me”: A Lesson in Collaboration from an Unlikely Place Read More »
From understanding capital gains tax and WA’s stamp duty rules to timing your sale in the WA market cycle, savvy property owners leave no stone unturned.
Selling property in WA: Key financial, legal and strategic considerations Read More »
The 2025–26 Australia Federal Budget outlined a series of measures to ease cost-of-living pressures, boost housing supply and provide targeted tax relief.
Federal Budget 2025: Key Announcements Read More »
Helping their children buy a home is a goal for many parents but this generous act requires careful planning.
Helping your child buy a home – financial strategies and considerations Read More »
Life has a funny way of throwing curveballs. When these moments happen, having a cash reserve can make all the difference.
Should I have a cash reserve and how big should it be? Read More »
Market volatility can feel uncomfortable, but history shows that those who remain patient and disciplined are ultimately rewarded.
Staying the course: Why long-term investors should ignore short-term market volatility Read More »
