Financial Planning Philosophy

We are values based financial planners. We assist you in making smart decisions about your finances based on what is important to you and your deeply held beliefs. We believe that all aspects of your financial story is intertwined and as such we are holistic advisers in dealing with the your:

1. Ownership Structures
2. Wealth Enhancement
3. Wealth Protection
4. Wealth Transition

“If you don’t know where you are going, any road will take you there” – Lewis Caroll

Wealth Enhancement Philosophy

Our philosophy is to utilise appropriate structures to accumulate and maximise personal wealth. Within this we recognise that long term, your asset allocation will be the primary determinant of your investment returns. We recommend a portfolio that incorporates asset selection based on diversification, profitable assets, cost minimisation and tax minimisation. For some clients, debt management will also be fundamental in developing long term wealth. Using Debt to purchase assets and then devising a strategy to reduce it over time.

Wealth Protection Philosophy

A sophisticated financial plan will also incorporate a plan to protect your goals should you suffer a medical condition or lose the ability to work due to illness or injury. Your biggest asset is you. Your ability to earn an income to provide for your future goals is paramount and we help with your plan B in the event of different events occurring. This may include insurance, including a combination of Life insurance, Disability and Trauma Insurance.

Wealth Transition Philosophy

The future is going to happen. It can happen either by design or default. We encourage and assist you to have a thorough estate plan in place, including a Will, Power of Attorney, Enduring Medical Guardianship, Advanced Health Directive, Binding Death Nominations and for business owners a Business Succession Plan. In designing an estate plan we try to enhance harmony, choices and certainty. Our role is to facilitate you to achieve your outcomes by attaining the best legal advice in concert with your financial position

Fee Beliefs

We charge a flat dollar fee that represents the work we do and the value we create. All fees are discussed with you and agreed upon prior to commencing work. We do not charge a percentage based fee or an assets under management fee as we do not believe we deserve a pay rise in the event that you receive a windfall, if we are still conducting the same amount of work. A flat dollar fee enables you to assess whether you are receiving value.

Referral Beliefs

We do not pay for referrals. We attain clients by word of mouth- introductions from our existing clients and other professionals who value what we do. We know that these are genuine referrals as we do not pay a “referral fee”.