Cashflow awareness and management is the foundation of any strong financial plan.

A cash flow plan is not about scrimping and saving every dollar but understanding in what areas you are required to spend your money and in what areas you can afford to put towards growing your wealth.

We believe that at heart, we are all eternal optimists, and this leads us to assume we can solve our cash flow problems by simply earning more money or even disregarding the issue at hand with the ever-Australian phrase “she’ll be alright.’’ Unfortunately, this doesn’t work, and we see the recurring cycle of earn more, spend more, earn more, spend more. As a household, you sacrifice everything you need for tomorrow by purchasing everything you want today.

A HPH Solutions Financial Life Planner can work alongside you to develop a flexible structure to help you plan for the needs of tomorrow and meet your goals and objectives sooner than you expected. It is about having a realistic and achievable plan with someone in your corner to keep you on track.

How do we do this?

We know that it is not always easy to increase your income position and so we have only two more levers to pull:

  1. How can we spend less?

On the surface this may sound easy, but have you ever tried to change your habits to turn your spending around or to reduce your lifestyle with no immediate reward? It is a lot easier if you can see the outcome, and this is what a Financial Life Planner can help you understand.

By developing responsible spending habits, we can bring forward those goals of becoming debt free or putting the kids through private school or early retirement which may have seemed so out of reach before becoming a client of HPH Solutions.

  1. How can we be more tax effective?

We all have some form of tax liability and for most of us, it is out single biggest expense. It is no secret that to minimise tax and for better tax planning, you need to plan ahead.

A HPH Solutions Financial Life Planner can review your personal circumstances and help you plan your finances for tax-effectiveness by addressing questions such as:

  • In whose name should you own your assets to help with tax?
  • Should you be using tax-effective structures such as superannuation or a family trust to invest to help with tax?
  • Can you replace non-deductible debt with deductible debt?
  • When is the best time to sell your investment assets to assist in tax planning?
  • What else can you do to reduce the impact of capital gains tax?


Your Financial Life Planner will work with you to create an achievable plan and then continue to advise you on important decisions throughout all life stages.