INDIVIDUALLY TAILORED FINANCIAL ADVICE
Navigate your financial future with confidence and precision. Our expert team provides tailored strategies designed to meet your unique financial goals.
Our Services
Building Wealth
Becoming wealthy requires you to maintain a disciplined approach to investing over extended periods of time. This means working out your cashflow and making the most of your savings and making smart decisions.
Combined, our team has over 50 years of industry experience so we understand that making the right decisions today can have a major impact on you in the future. Our approach to wealth creation involves selecting high quality investments that deliver the required rate of return over the long term. We do this by helping our clients construct a well diversified portfolio over different assets classes.
Choosing the right vehicle is just as important as picking the right investments. This could mean investing through trusts, individually or jointly, superannuation or self-managed super funds (SMSF’s) but getting the structure right could save you thousands of dollars in the long run.
Protecting Your Family
We understand the importance of protecting the loved ones around you and leaving the topic of insurance until the unthinkable happens can severely impact you and your family both emotionally and financially. None of us know what is around the corner and how you plan to deal with those unexpected events could leave a very different picture than the one you had imagined.
By putting in place a safety net under your long term investment plans you will be in a much better position to protect your family who rely on you for financial support.
What makes us different is that we ask the right questions to better understand what you actually need and identify the potential pitfalls that may derail your plans.
Taking Care of Your Business
Business owners seek our help for a variety of reasons. It may be related to cashflow or it could be that they are looking for ways to protect and grow business.
It could be that you would like your SMSF to own the property that your business operates in so that your business can free up some working capital. Perhaps you are looking at ways to ensure that the lifeline of your business (cashflow) is covered and want to explore business overhead or key person insurance. It might be that you need a comprehensive succession plan so that a buy/sell agreement is in place in the event one owner dies, forced to leave the business or chooses to leave.
Whatever the reason we have the right team around us to support your business. We work with some of the most innovative people in the industry and can put together a solution to help your business thrive.
Planning For Retirement
We don’t believe in a one size fits all approach because everyone is different and we all have different starting and ending points. Australians today are faced with a major investment challenge: how to best manage their financial nest egg for up to a further 20+ years.
Invest too conservatively and there is a risk that your funds won’t last. Invest too aggressively and there is a risk of significant losses, which coupled with the wrong drawdown strategy could prematurely deplete your funds when they are most likely needed. History has taught us one thing and that is most investors are likely to face at least one major equity market crash during their retirement years.
Our main focus has always been to manage downside risk by selecting investments that offer protection during a financial crisis and, more importantly, we take a goals based approach to investing. This means that we match the targeted returns with your specific income goals.
It is also important to keep tabs on your wealth to make sure you are on track and we do this by meeting regularly and putting together your current financial models to show you the overall picture so that we can help guide you through retirement.
Looking After Future Generations
Looking after future generations may mean different things to different people. To some it may mean making sure their wealth is passed onto their children or to the rest of their family, while to others this may mean leaving behind a legacy and making a difference to the world in the form of a charitable donation. It can even mean that there is enough money left behind to help their children get a better education or deposit for their own home.
Whatever the case may be, having an estate plan in place gives you control over who inherits your assets and provides you with peace of mind that your family is taken care of if you pass away.
Choosing The Right Strategy
Portfolio construction is all about investing your funds into a variety of different assets and markets with various strategies in order to achieve a desired outcome. Do you invest your money in active or passive investments? Should I adopt a core-satellite approach or try and stock pick all my investments? Should I invest all my capital into a few investments or should I diversify and spread my funds? Should I adopt a top down or bottom up approach? How should I benchmark the performance of my portfolio?
The correct answer is it can be any of these strategies at any given time. Our tailored approach means that we are not constrained to one way of doing things. The most important thing is to first understand what you want in terms of needs and then putting together the most appropriate investment strategy.