Investment Advice
Our investment advice is for when you’ve built up savings, super and maybe a few investments, but nothing ties them together yet. We help you set an investment strategy around your goals and put it in place. If you stay on for ongoing advice, we review it as your life changes.
We work with professionals and families who are building wealth. You might be looking for an investment adviser because you:
have money building up in the bank or your offset and aren’t sure whether to invest it, pay down debt or leave it where it is
have an inheritance, bonus or property sale to deal with
already invest, but hold a mix of shares, funds and super accounts picked up over the years with no overall plan
are busy with work and family and don’t have time to research and manage investments yourself
have tried investing on your own and want a more structured approach
can see retirement coming and want your investments set up for it
Who We Help
What Investment Advice Involves
We start with what the money is for and when you'll need it. We then talk through what a fall could look like in dollars as well as percentages, and settle on a level of risk that suits you.
We set the mix to suit your goals and timeframe: how much goes into Australian and international shares, property funds, bonds and cash. After that we pick the actual funds and investments to hold.
We prepare the applications, transfers and account set-up, and you review and sign them. For investments you already hold, we work out what to keep, what to change and in what order, including the capital gains tax a change would trigger, and your accountant includes it in your return.
If you choose ongoing advice, we agree how often we meet. At each review we check your portfolio against your plan and recommend changes if your life or goals have moved on. You can also get in touch between reviews if something comes up or you're unsure about a decision.
Before recommending anything, we check your cash buffer and cash flow to see how much, if any, makes sense to invest.
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It suits people with money to invest, or investments to sort out, who would rather have an adviser guide them than work it all out alone. If you're unsure, we can talk it through on the call.
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Not necessarily. We start with what you already hold. Before anything happens, your advice sets out what we recommend keeping, what we recommend changing and what any change would cost.
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We look at your goals, when you'll need the money and how you'd feel if your investments fell in value. Your Statement of Advice sets out the level of risk we recommend and why.
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Either. Some people want a strategy set up once. Others want ongoing support with regular reviews. If you choose ongoing advice, it's agreed in writing, you renew it each year, and you can end it at any time.