Whilst wealth creation and wealth protection is a routine part of our business, we understand that each person is different. Our approach begins with a detailed understanding of your objectives, attitude to investments and risk.

We then analyse cash flow and asset/liability position to develop suitable and effective strategies, which are conveyed to you in a simple yet personalised way.

Both internal and external research on economies, markets and investments places us in a good position to construct quality portfolios in a cost effective manner.

Where necessary we work closely with a panel of legal, tax and accounting professionals to develop specialised structures to overcome complex financial arrangements.

We deliver this service by:

1. Initial telephone discussions followed by completion of needs analysis
2. Preliminary meeting to clarify your needs, objectives and relevant planning issues
3. Preparation of your financial plan
4. Evaluation and construction of portfolio
5. Implementation of recommendations
6. Ongoing management and portfolio review.

Our advisers work on a fee for service basis, and charge an hourly rate for time spent developing your financial plan. Where we design and implement an investment portfolio, we charge you a fee based on the amount of capital you invest. When we provide ongoing support and management assistance, we charge an ongoing management fee based on funds invested. Where insurance products or lending products are recommended we accept brokerage from the product provider as our fee. Details are provided in our Financial Services Guide.