HPH Solutions

What HPH Solutions does

HPH Solutions is an Australian independent financial planning and advisory firm headquartered in Como (Perth), Western Australia, operating under the legal entity TFG Australia Pty Ltd (ABN: 44 136 063 315; AFSL/ACL 337755). Founded in 2002 as Financial Solutions Geraldton and rebranded in 2022, the firm delivers face-to-face fee-for-service financial advice across three WA offices (Perth/Como, Mandurah/Wannanup, and Geraldton), serving client segments that include business owners, corporate executives, medical professionals, early retirees, farmers, and dual-income families. The service suite spans personalised financial advice, investment and wealth management, retirement planning, aged care financial advice, estate planning, executor assistance, education savings, Centrelink/DVA advisory, cashflow and tax planning, banking and finance guidance, personal insurance (via the HPH Life joint venture), and educational offerings including "The Trusted Adviser Podcast".

The firm operates a non-proprietary technology stack: it has no in-house financial planning platform described, no AI/ML tooling disclosed, and relies on Practifi as its CRM and practice management system. Workflow tooling is supplemented by partnerships with Dimensional Fund Advisors (investment research), Macquarie (banking and finance), Insignia (financial services), and MBS Insurance (personal insurance referrals). Client intake is via a website contact form or direct enquiry, with subsequent face-to-face consultations; ongoing service is delivered through periodic "On Track" reviews and the annual HPH Client Progress Report, with a podcast and educational blog supporting lead generation.

HPH Solutions generates revenue on a fee-for-service basis, with no commission-based product sales and no affiliations to specific product providers, structurally aligning adviser incentives with client outcomes rather than product placement. Distribution is wholly direct: three physical offices serve WA regional markets, supplemented by referral channels through accountants, lawyers, and existing clients. Growth to date has been entirely organic or via mergers (1Life Financial in 2022, Financial Solutions Geraldton in 2023, WPFA in 2023), with no external fundraising disclosed. The firm is privately held, led by Managing Director Rob Pyne (CFP), with partners Paul Burton and Michael Pyne, and remains concentrated in Western Australia with no global footprint claim.

Name

HPH Solutions

Legal name

TFG Australia Pty Ltd

Website

https://hphsolutions.com.au

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

HPH Solutions is an independent, fee-for-service financial planning and advisory firm operating across three Western Australian offices (Perth/Como, Mandurah, Geraldton), delivering personalised wealth, retirement, aged care, estate, and insurance advice to business owners, executives, medical professionals, retirees, and farming families.

Ownership category

akta.pro rank

Headquarters

HQ city

Como

HQ country

Australia

HQ region

Oceania

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Financial Planning and Advisory Services: Fee-for-service model where the firm is compensated for providing sound financial advice rather than selling financial products for commissions. The firm operates as an independent financial advisor without ties to specific financial institutions, products, or companies, offering objective and client-focused financial planning guidance.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

HPH Solutions is an independent, fee-for-service financial planning and advisory firm that delivers personalised financial advice, investment guidance, wealth management, retirement planning, estate planning, aged care financial advice, and personal insurance advice to individuals and business owners across Western Australia. Services are delivered via face-to-face consultations at three offices (Perth/Como, Mandurah, Geraldton), with ongoing relationship-based reviews and support. The firm operates as a holistic 'financial advice for life' practice without affiliations to specific financial product providers.

Product overview

HPH Solutions offers a comprehensive suite of financial planning services through a single integrated advisory model. The core offering centers on personalized financial advice, investment guidance, and wealth management, supported by specialized services for retirement planning, estate planning, and aged care. Additional offerings include tax-efficient cashflow planning, insurance advice (via HPH Life), and government benefits guidance. The firm delivers services across multiple Western Australian locations (Perth, Geraldton, Mandurah) and provides client reporting through the HPH Client Progress Report. Educational content is delivered via The Trusted Adviser Podcast. The firm positions itself as an independent, fee-for-service financial advisor without affiliations to specific financial institutions.

Differentiator

Problem solved

Functional benefit

Brands

• HPH Life: Life insurance and personal insurance advice services operated as a joint venture.

Products and services

• Personalised Financial Advice Tailored financial guidance addressing individual client circumstances, goals, and life stages for individuals and families across Western Australia.
• Investment Advice Strategic investment guidance covering portfolio construction, asset allocation, and market participation for individual investors.
• Wealth Management Comprehensive management of investment portfolios and wealth accumulation strategies for affluent individuals and households.
• Retirement Planning Planning services for transition to retirement and sustainable retirement income strategies, including superannuation optimisation.
• Aged Care Financial Advice Specialised financial guidance for navigating aged care costs, funding options, and care arrangements for retirees and their families.
• Estate Planning Financial planning for wealth transfer, will preparation support, and inheritance strategies for individuals and families.
• Executor Assistance Support for individuals acting as executors in managing estate administration responsibilities.
• Saving for Children's Education Education savings planning including managed funds and strategic contribution approaches for parents and guardians.
• Personal Insurance Advice Life insurance, disability, and income protection advice offered through the affiliated HPH Life brand.
• Centrelink/DVA Advice Guidance on government pension entitlements, Department of Veterans' Affairs benefits optimisation, and eligibility assessments.
• Financial Wellbeing Presentations Group educational sessions on financial literacy and planning principles delivered to organisations and community groups.

Named customers3 records

Segments6 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• Dimensional Fund AdvisorscoreStrategic or Co-development PartnerProfessional partner providing investment philosophy and research insights. HPH hosts educational events featuring Dimensional representatives (e.g., Apollo D. Lupescu) for client education on investment principles.
• MBS InsuranceminorChannel Partner/ Reseller/ DistributorInsurance partner providing personal insurance advice services, with HPH referring clients for insurance needs.

Scale indicators3 records

Recent moves8 records

Expansion highlights5 records

Emerging players

• Stockspot: Australia's first robo-advisor, offering automated diversified portfolio management. Comparable in targeting Australian retail clients seeking portfolio advice but at the low-cost, technology-led end of the spectrum — represents a structural competitive threat to traditional advisory firms like HPH.
• Pearler: Australian digital investing and wealth-building platform for long-term investors. Comparable in serving Australian retail investors with portfolio advice but uses a direct-investing, low-fee model — represents the digital alternative to HPH's traditional advisory offering.
• Six Park: Australian digital wealth management (robo-advisor) offering automated investment portfolio management and financial planning. Comparable in targeting Australian retail investors seeking portfolio advice but competes on a low-cost, self-serve model that contrasts with HPH's relationship-led approach.

Direct peers

• Hillross Financial Services: Australian financial advisory network within the IOOF/Insignia group providing personalized financial planning advice. Comparable mid-sized advice practice model with similar client base (retirees, professionals, families) and face-to-face service delivery.
• Shadforth Financial Group: Independent Australian financial advisory firm offering personalized financial planning, retirement, and wealth management advice to individuals and businesses. Comparable in model (independent, fee-based advice), service breadth, and customer segments (professionals, retirees, business owners).
• Ord Minnett: Australian private wealth management firm providing investment advisory, portfolio management, and financial planning to high-net-worth individuals. Comparable in fee-based, advice-led model serving affluent retail and HNW clients with relationship-led service.
• Godfrey Pembroke: Boutique Australian financial advice firm (part of the Count group) offering personalized financial planning, investment, and retirement advice. Closely comparable in boutique, relationship-based, fee-for-service positioning with multi-advisor practices.

Broad incumbents

• Insignia Financial: Large Australian wealth management group (formerly IOOF) operating multiple advice brands including financial planning licensee networks. Comparable as a national consolidator in the same regulatory and market environment; competitive overlap in retirement and wealth advice to retail and HNW clients.
• Count Limited: Australian licensee and support platform for a network of accounting and financial advisory firms. Comparable as the broader ecosystem of which HPH operates; Count provides the licensing and back-office infrastructure model that consolidates boutique advisory firms — a potential acquirer or strategic partner for HPH.
• AMP Financial Planning: One of Australia's largest wealth managers and advice networks, serving retail and HNW clients across retirement, investment, and superannuation. Comparable in core service offering (financial advice, wealth management) but at vastly greater scale and through a vertically integrated model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/hph_solutions
• YouTubeyoutube.com/channel/UC9XaP1uphz-zGtWxwjgNLlA
• Facebookfacebook.com/HPHSolutionsFP
• LinkedInlinkedin.com/company/hph-solutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HPH Solutions