Advice for the decisions that matter.

Retirement planning

“Can I actually afford to retire?”

It's the question we're asked most, and it deserves better than a gut feel. We model your position properly: what you have, what it can reliably produce, what you want life to cost, and how long the money needs to last.

You walk away with a number, the income your assets can sustain, and a plan for the gap if there is one. When you do retire, we structure the drawdown: which account pays you first, how the age pension fits, how a bad market year is handled without derailing the plan.

Superannuation

“Is my super where it should be?”

Super is most people's second-biggest asset, and most of it runs on default settings. We review the things that actually move the outcome: what you're paying, how it's invested, whether your contribution strategy uses the rules available to you, and whether the fund itself still earns its place.

The tax rules inside super change what a good decision looks like. We're authorised to advise on the tax side of your financial affairs, and we do, in writing.

Investment advice

“How should I invest what I've built?”

We build and manage portfolios across shares, managed funds, bonds and cash, drawn from the whole of the market. Every holding is there for a reason: cost, quality, and the job it does in your plan. You receive the reasoning in writing, and when something no longer earns its place, it goes.

Portfolios are watched by the team continuously and reviewed with you formally. You will always know what you own and why.

Our investment menu

Research once, so you don't pay twice.

Alongside personal advice, the firm maintains a researched menu of investments we rate highly and hold conviction in. The research is already done, so clients investing through the menu pay a small execution fee on each transaction rather than a full advice fee. The fee is 0.15% of the value of each purchase and 0.15% of each sale, and for menu clients that is the entire fee the firm receives.

It suits people who know what they want to achieve and want quality implementation without a full advice engagement. Where personal advice would serve you better, we'll tell you before you commit either way. The detail is on How we work.

Personal insurance

“What happens to my family if I can't work?”

Life and income-protection cover, sized from your actual position: the mortgage, the school years, the income that would stop. We review what you already hold first, because plenty of people are over-insured in one place and exposed in another, and the fix is often simpler than expected.