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Client‑first financial advice, delivered with clarity and discipline.

HPAdvisory provides structured personal financial advice to individuals and families, with transparent fees and a deliberate, consultative process.

A considered approach to financial decisions

We believe good advice is not about speed or products.It is about understanding your circumstances, weighing trade‑offs carefully, and documenting recommendations clearly. At HPAdvisory, advice is delivered through a structured process designed to support confident decision‑making over time.

Why we are here.

We believe clients should be able to make financial decisions with clarity and confidence — supported by advice that is structured, transparent, and tailored to their circumstances.

How we do it.

We take a deliberate, consultative approach. We start with your goals, test options and trade‑offs, explain fees clearly, and document personal advice appropriately through Statements of Advice or Records of Advice. Where conflicts exist, they are disclosed and managed.

What we do.

Personal advice across superannuation, investment planning, retirement planning, self‑managed super funds, insurance advice, and portfolio reviews — provided by appointment only.

Areas of advice

Superannuation and retirement planning
Investment strategy and portfolio construction
Self‑managed super funds (SMSFs)
Insurance advice (life, TPD, income protection)
Portfolio review and ongoing advice

About HPAdvisory

HPAdvisory is led by Henry Pilat and Kathryn Pilat, Certified Financial Planners with decades of combined experience providing personal financial advice.Advice is delivered with care, structure, and professional judgement — with a focus on long‑term client relationships rather than volume.

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Learn more about HPAdvisory

Fees and transparency

Most clients pay an agreed advice fee, confirmed prior to work commencing and based on the scope and complexity of the advice provided.

We believe transparency around fees, service scope, and potential conflicts is essential to building trust.

We do not describe our services as independent, as our licensee may receive insurance commissions.

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Important information

Contact

Meetings are by appointment only.

Correspondence is managed via PO Box.

PO Box 758

Cremorne Junction NSW 2090

Phone: 0409 393 225

Email: henry@hpadvisory.com.au

Client‑first financial advice, delivered with clarity and discipline. HPAdvisory provides structured personal financial advice to individuals and families, with transparent fees and a deliberate, consultative process.