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The most difficult thing is the decision to act, the rest is merely tenacity.

Amelia Earhart

YOUR FINANCIAL FUTURE

​Whether you need superannuation, stock market exposure and trading, you want to plan for your children's future or need insurance advice, we source the investment vehicles that will best suit your specific needs.

We are not required to promote any one product over another, so you can be sure that every decision we make is made in your best interest.


 

Superannuation

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Including self-managed, industry, personal and defined benefits funds

+ Maximise contributions
+ Maximise tax efficiencies
+ Manage investment strategy
+ Manage retirement income streams

Investments

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All investment asset classes including cash and bonds, listed securities and active fund managers, property, ETF's, SMA's, and more


+ Comprehensive advice
+ Constant review of investment performance
+ Regularly analyse asset allocation
+ Paperwork management
+ Ongoing recommendations

Wealth creation

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Including strategies around asset structure, borrowing to invest and share portfolios

+ Develop your financial roadmap
+ Cash flow management
+ Debt management
+ Modelling and projections
+ Collaboration with tax advisers

Intergenerational wealth

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Including wealth transfer, giving and legacy creation and documentation
 

 

+ Financial support for family members
+ Planning family wealth protection
+ Managing inheritances
+ Reviewing opportunities for philanthropy

Estate Planning

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Including wills, powers of attorney, guardianship and testamentary trusts


+ Ensuring assets are distributed in  accordance with your wishes
+ Transfer of wealth to family members to ensure maximum tax effectiveness

Insurance

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Various options including income, life, trauma, total and permanent disability and business protection


+ Review existing cover
+ Analyse and recommend cover
+ Negotiate best rates
+ Manage the claims process

WORKING WITH YOU

Step 1.

Discover

Let's get to know each other


+  Understand your goals
+  Understand your risk profile
+  Build a picture of your situation
+  Identify if we can add value.

Step 2.

Strategise

Agree the Statement of Advice


+ Engage with your team
+ Analyse the data
+ Model your financial future
+ Develop investment strategy
+ Present and discuss.

Step 3. Implement

We start investing


+ Review & confirm the advice and fees
+ Obtain your authority
+ Meet your admin specialist 
+ Take control of management
and day-to-day admin.

Step 4.

Track

Track progress against goals


+ Plan regular reviews
+ Respond to changes in your circumstances & legislation
+ Update the strategy as required
+ Provide peace of mind.

OUR INVESTMENT PHILOSOPHY

We believe that truly successful investing requires a highly disciplined approach. 
Rather than trying to chase the highest return in any one year, we adopt a strategic approach to avoid the typical mistakes that are known to erode wealth. 


We know that investors can’t control short-term market movements so instead we focus on factors we can control. We base our investment decisions on the following fundamental principles that assist us in staying focused on our clients' investment goals, allowing us to build their wealth over time.

 

Discipline

A disciplined approach is not reacting to short-term performance but rather, understanding that some markets, managers or securities may not perform as well as others (and will even reduce in value) from time to time. This is the natural cycle of events and reacting to this unnecessarily can significantly destroy value. Instead, we believe in regular reviews and rebalancing to keep your portfolio on track.

 

Diversification 

Diversification is spreading your investments across a range of asset classes and allocating your investments across a wide range of assets both domestically and abroad. Diversifying can’t eliminate the risk of loss, but it is a powerful tool for managing risk.  

Risk and portfolio construction 

In understanding your attitude towards risk, we consider a number of factors to determine how much risk you’re prepared to take to achieve your desired level of return. Your risk profile is the fundamental building block of your investment strategy which drives the allocation between growth and defensive assets.

 

Costs

As an investor you can’t control future performance, but you can control how much you are willing to pay. Reducing the cost of investing is a driving factor to implement tax-effective investment strategies.

 

Rebalancing

We believe in regular reviews and rebalancing to keep your portfolio on track. Rebalancing your investments back to your target asset allocation will help mitigate risk by not being over or under exposed. Subsequently, ensuring your portfolio should continue to achieve your goals. 

ABSOLUTE FEE TRANSPARENCY

Our remuneration is generally a fixed, annual fee based on the complexity of each client's affairs, with any investment commissions refunded to you.

We receive no benefit from promoting one investment vehicle over another – every decision is made in your best interest. The bottom line is there are no surprises and there is ultimate transparency around all costs and expenses.

Because we don't develop our own financial products we choose the best fit for each situation. We then provide ongoing strategic advice with relevant and regular management, reviewing and reporting.

 

This is not a ‘set and forget’ approach - it is highly hands-on with regular communication between your adviser and yourself.