'On Track' Review and Retirement Advice in Perth

Life is a continuum – an accumulation of experiences that makes us who we are and influences how we view ourselves and the world around us.  As we review these experiences, we realise that our lives have been permeated with change.  As ironic as it may seem, change is the only constant in our lives.  Therefore, how we respond to and initiate change can have everything to do with how well we manage our lives and the successes we experience.

We can’t stop change, but we can often do a better job of anticipating and preparing for it.  We all encounter both expected and unexpected changes in every area of life.  However, those who are resilient are better able to navigate each change, bounce back from disappointments, and welcome new experiences.

In addition, because nearly all of life’s transitions have a financial tether, it is important to consider how we can increase financial resilience.  From a practical standpoint, financial resilience requires a foundation of basic financial knowledge and a strategy for building financial security.  From an emotional standpoint, financial resilience requires self-confidence.  This is achieved by identifying beliefs and behaviours in regard to money, and by working to understand and overcome underlying issues.

On a personal level, your life satisfaction will increase as you continually seek to respond to change in healthier and more productive ways.  As new goals emerge, or new concerns arise, we want to make sure your financial plan is updated to reflect these and any other changes in your life.  This is the basis on which we conduct a yearly review of your financial life plan.

THE HPH YEARLY FINANCIAL LIFE PLAN PROGRESS UPDATE DOCUMENT

Work with us on your financial plan and yearly review

Book an appointment with us by calling (08) 9200 3123 and let’s discuss your financial needs.

FINANCIAL PLANNING ARTICLES YOU MIGHT LIKE

Identifying Emotional Biases In Financial Planning

By Rob Pyne | November 2, 2025

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 […]

Sandwich Generation Pressures: How To Plan When Supporting Kids And Ageing Parents

By Rob Pyne | November 1, 2025

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 […]

Case Study: Strategic Wealth Planning After Sale of a Farm

By Michael Pyne | October 24, 2025

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.

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