Superannuation, investments, insurance and retirement income — planned with full knowledge of your entities, your debt and your intended exit, rather than in a separate room by an adviser who has never seen your P&L.
Personal advice tailored to your objectives, financial situation and needs — documented in a Statement of Advice.
A plan that connects today’s business income to the life you want after it — when you can stop, what income you will need, and what has to happen between now and then.
Contribution strategies, consolidation, fund selection and SMSF advice, coordinated with the business tax position so the timing and type of contributions make sense.
Investment strategy built around your risk profile, time horizon and the concentration risk of already owning a business or property.
Life, total and permanent disability, trauma and income protection — sized to your actual debts, dependants and income, and held in the most suitable structure.
The cover most owners assume they have: key person insurance, and buy/sell funding so a partner’s death or disability does not become a dispute over the business.
Turning a one-off sale proceeds event into reliable retirement income — contributions, CGT concession amounts, pensions and investment, sequenced properly.
For most business owners, the business is the largest asset they own and the source of almost every dollar of future wealth. Advice about super, insurance and investments that ignores it — the debt it carries, the CGT position underneath it, the sale you are planning — is advice about half a balance sheet.
Hedley Capital works from the same position as the firm’s accountants, brokers and valuers, with your consent. Contributions are timed with the tax position, insurance is sized to the real debt, and retirement planning starts from a realistic view of what the business will be worth.
Every step of the advice process is documented, and you receive our Financial Services Guide before any personal advice is given.
No charge. Your goals, your current super, insurance and investments, and whether we are the right fit.
We gather your details, review existing products and model the options against your objectives.
Our recommendations in writing — the basis for them, the risks and every fee and benefit we receive.
We implement what you agree to, then review regularly as your business and life change.
Each division can be engaged on its own. This is what changes when the others are working from the same numbers.
Contributions timed and sized with the business tax position each year.
Accounting division →AdvisoryA realistic valuation feeding the retirement plan, not an optimistic guess.
Advisory division →FinanceCover sized to the facilities you actually hold, reviewed when they change.
Finance division →PropertyInvestment property and premises considered as part of the whole wealth picture.
Property division →Most Hedley Capital clients came to the firm through the business. Many families and private clients come directly.
17+ years in finance and property, with a Bachelor of Commerce and Law and a Master of Property. Blake leads lending and premises strategy, is a senior auctioneer, and is the authorised representative behind Hedley Capital.
Financial product advice is provided by JPH Group Pty Ltd trading as Hedley Capital (Corporate Authorised Representative 001320613) and Blake Hedley (Authorised Representative 001008173), Authorised Representatives of MFG Advice Pty Ltd, AFSL 499010.
Fees depend on the advice and any ongoing service you agree to, and may include commissions on certain insurance products. Every fee and benefit is set out in your Statement of Advice before you proceed, and our Financial Services Guide explains how we are remunerated.
No. Hedley Capital is a separately regulated business. Engaging it does not oblige you to use our accounting, credit or property services, and we will work with your existing accountant or broker if you prefer.
Yes. A review of existing super, insurance and investments is one of the most common ways clients start with us. We will tell you what we would keep, as well as what we would change.
No. It is general information only and does not take into account your objectives, financial situation or needs. Consider whether it is appropriate for you, and read the relevant Product Disclosure Statement and Target Market Determination before acquiring any financial product.
Including what happens to the proceeds after settlement.
Read the guide →Who we helpSuper, insurance, home lending and retirement for families.
See how we help →ToolRepayments, stamp duty, rental yield and acquisition funding.
Open the calculators →Financial advice is provided by Blake Hedley (AR 001008173) and JPH Group Pty Ltd T/A Hedley Capital (ABN 66 662 491 858, Corporate AR 001320613), Authorised Representatives of MFG Advice Pty Ltd, AFSL 499010. Information on this page is general advice only and does not consider your objectives, financial situation or needs. Full details: Licensing & disclosures.
A free initial conversation about your super, insurance and retirement position — and whether personal advice would be worth it for you.
