The first (and most important) thing we do with our clients is to develop a big-picture strategy that is aimed at meeting their goals sooner, more easily, and with less stress. This strategy considers all aspects of your financial affairs, such as investments, property, businesses, debt, superannuation and budgeting, and provides important clarity for the client and their Adviser.

We take a highly considered and structured approach to investing that helps our clients to achieve their financial goals, while also considering their risk and investment preferences. Our investment philosophy also allows clients to benefit from inevitable market cycles, without relying on making forecasts or predictions.

Correctly managing cash flow is an often over-looked but critical factor in wealth accumulation. We work with clients to ensure they are allocating their surplus cash flow in the most appropriate direction, taking into consideration investment opportunities, debt and tax. We also help to automate this process.

Superannuation is an excellent structure to invest in, with low tax rates and the potential to significantly impact your wealth. We work with our clients to ensure they make the most of the significant contribution, investment, and withdrawal strategies available to maximise wealth.

Nobody wants to pay more tax than they need to. It is important to ensure your investments are structured appropriately to optimise your after-tax returns. Our approach ensures that clients take advantage of a range of opportunities to minimise unnecessary taxes and risks within their portfolio.

We work with our clients to ensure they have the right level of life, TPD and income protection insurances, and help find the right balance between required cover and cost. Because we don’t accept any commissions, our clients typically benefit from significant discounts on their insurance costs.

Retirement planning is less about leaving work, and more about gaining financial independence so that you have the option to do what you want in life, when you want. We provide advice to help maximise your financial position in, and leading up to, retirement.

Ultimately, estate planning is important to ensure that your beneficiaries are appropriately looked after when you are no longer here. We consider the financial aspects of your estate planning and project manage the entire estate planning process so you can protect your loved ones.

We provide advice regarding residential and commercial investment properties, considering strategic aspects from cash flow to debt and tax. We help our clients to ensure property purchases and sales support their overarching plan and longer term financial goals.

We provide our clients with a sounding board for all decisions that can affect their financial position. We always welcome phone calls from clients to sense check ideas, opportunities or concerns, and actively help them make the right financial decisions.

We work closely with your other advisers, for example accountants and lawyers, to ensure all of your affairs are cohesive, and that all aspects of your situation are considered in our planning.