Our relationship based service which brings together all our services and through regular review, provides the discipline to ensure your plans come together.

To ensure plans become reality, all plans need constant review. We partner with you and regularly:

• Revisit your major goals and objectives

• Discuss your risks and your risk protection

• Review your estate planning

• Consider taxation minimisation

• Analyse your portfolio and make recommendations

Peace of mind is our ultimate objective for you.

A major tax effective structure used to accumulate wealth and draw upon in retirement. At any stage of your life it can be used to maximise after tax returns.

We are experts in superannuation, with a strong focus on self managed and self directed superannuation.

We can provide ongoing:

• Portfolio management

• Technical advice on legislation

• Implementation

• Strategic advice

• Liaising with your accountant

Ignoring a risk does not make it go away.

Beginning with an understanding of you, your circumstances and your plans we can begin to build a "needs analysis" that measures your risks and the types of policies that are needed to manage these risks. Then we can survey the market for the most appropriate policy.

Business risk is also evaluated for small business owners to ensure their business is well protected in the event of illness to the major owners.

We advise on:

• Life Insurance

• Total and Permanent Disablement

• Income Protection

• Trauma

• Key Person policies

• Buy/Sell funding

Cashflow Planning:
We can help you understand your cashflows and develop strategies to direct surpluses towards meeting your short and long term goals. Whether it is to pay down debt, pay for your next major purchase or just ensure you are on track to meet your long term objectives, it all starts with cashflow.

Estate Planning:
We can help you consider some of the key risks to your estate assets and to carefully plan how your assets pass on to the next generation, taking into account taxation, legal risks and ensuring you meet your desired outcomes (with appropriate legal advice, where needed).

Using our investment philosophy, to build portfolios which focus on growth, income or a mixture of both.

We believe in some simple principles that have stood the test of time:

• Buy Value

• Diversify

• Patience

• Reduce transaction costs