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What Makes Us Different
NO ALIGNMENT WITH ANY FINANCIAL INSTITUTION
We are not aligned with any particular bank, investment house or broker. We are privately owned and therefore have no external influence or bias. This gives us the freedom to determine our strategies and then to pick and choose our recommendations from the broadest range of options. We do not accept commissions or any incentives of any kind in relation to investments.
CLIENT FOCUS
Our loyalty and responsibility is first to our clients. We do not have off-the-shelf offerings. Each financial plan is painstakingly designed to align perfectly with our clients' needs and goals.
Our service emphasises continual management of our client's financial and lifestyle circumstances, rather than transaction-based advice or ad hoc placement of a series of product/s. This, along with our strict fee for service approach and immediate accessibility to multiple Certified Financial Planners (CFP) and accredited Self Managed Super Fund Specialists (SSA), demonstrates a fundamental difference between our practice and that of the broad spectrum general financial planner or financial advisor.
RESULTS
Our clients' financial life planning is so important that we focus on developing a combination of strategies based on the highest probability of delivering what's important to our client, rather than a speculative approach based on opinions. The success of our strategic advice and critical thinking can be measured by our clients' ability to achieve their life values and goals continuously. It will be measured over time by a "Peace of Mind", attained by a higher level of knowledge and greater degrees of control. The adjunct to this will be the patience, focus and investment discipline sufficient to achieve our clients' financial goals.
RISK
Our underlying philosophy is that our clients should only take the risk they need to take to live the lives they want to live. Sometimes, people think that the more risk they take the more money they will make. Unfortunately taking more risk may mean the possibility of having less than you started with....permanently. Therefore, a balance is required to match anticipated risk with expected return.
FEES
Over the years, we have found that clients have different views on how fees should be calculated. Some want their fees linked to the assets we are managing on their behalf (i.e. a perceived alignment of interest with respect to investment returns), others want a fixed job fee and some want to pay for the services based on a per hour time-based approach. Our fees are directly linked to the work undertaken, the risk to us of providing the advice and importantly, our team's experience, education and skills.
It is our view that good investment is a function of advice, its implementation and other services such as portfolio administration, investment management and transacting. We believe in total transparency of all fees and charges applying to our advice, which may incorporate investment, insurance and other financial strategy recommendations. This transparency applies not just to our fees and charges but also to the fees and charges receivable by other parties involved with our clients' investments such as administrators and wholesale investment managers. We strive to reduce fees from all sources, and pass those savings on to our clients. In that way we ensure our clients pay no more than necessary.
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