How we do it

What is important to you? How comfortable are you with investment and risk? Do you have oversight and understanding of your real financial position?

You may have an obvious, specific objective. Or you may be looking for assistance to define your needs and goals. Before considering the future state, due to administrative or business complexity, some clients first want to clearly establish their current position.

We help you to define your current situation, needs and objectives to ensure we have a complete reference point on which to base your advice and management plans.

To bring the various elements together, we work with you and your current financial institutions. You may also decide to introduce us to your other professional advisers, such as your accountants, lawyers and professional trustees.

Your investment risk profile is also assessed, first with our generic risk profile assessment. The risk profile report is reviewed and discussed with you, in the context of your objectives and personal situation, to agree a risk profile and ensure that recommended actions align with your willingness and ability to take risk.

Once we have collected the necessary information and analysed your situation, needs and objectives, we can prepare your advice and management plan.

We aim to deliver straight forward solutions to complex problems, balancing cost, required capabilities and your preferred level of engagement in the ongoing investment process.

Where possible, our investment advice will typically incorporate a preference for institutional investment management, given the value offered in terms of process, resourcing, access and global reach.

We also allow for constraints and opportunities that are specific to the client situation, such as legacy assets with embedded capital gains, foreign pensions with fixed or limited investment options or deferred cash and equity bonuses that pose a concentration risk.

Any recommendations we make need to consider and align with the advice of your tax and legal advisers, as well as any rules or regulations that your investment structures are subject to.

Your advice and management plan brings all of these elements together in a strategy focused on meeting your objectives.

To ensure that you understand the features and risks of the strategies we have recommended, we may also include and discuss education materials on specific asset classes or investment structures.

Investor education is particularly important where we are introducing a new strategy, to ensure that you are comfortable with your decision to proceed.

When you are comfortable with the recommended strategy and ready to proceed, we work with the banks and product providers to efficiently implement the recommendations and get you on track as quickly as possible.

We have the flexibility to work with your existing providers, in Australia or abroad, and are experienced in working with a wide range of investment and retirement structures.

This capability typically means that we can provide you with our service across your entire asset base, reducing your ongoing administrative burden and increasing oversight.

The key to successfully meeting your goals is ‘staying the course’ while monitoring and adapting for external changes in legislation or the economy that present material opportunities or risks.

Client circumstances and objectives also change, and regular monitoring and review helps to ensure that the plan remains relevant.

Whether you are an individual or part of a family group, it is vital to have a clear view of your position and progress against objectives.

We can provide you with this oversight and continuity of care.