Giving you greater confidence to make the right financial choices.
HOW
Helping you clearly define and articulate what is truly important to you and how you want to live your life is critical and foundational to the work we do for you.
We can't advise or help design your unique financial pathway forward without considering all of your personal dreams & values first!
Then we create a truly personalised & tailored financial plan that aligns with your meaningful outcomes & ensure it is implemented on a proactive ongoing basis.
We meet with you periodically to show how you are travelling towards your outcomes & provide advice in between meetings should anything need to be done to avoid being knocked off course.
This means you always know if you are on track, and we do most of the thinking for you, freeing you up to focus and engage in your life!
INVESTING
Having more time & confidence to allow you to enjoy living your life will always involve some form of investing.
Dealing with the "noise" that we hear from the media, friends/family, and work colleagues about how to invest, who to invest with, and in what way often makes it harder and more confusing.
We demystify investing and the investment process by showing you that investments are simply financial tools needed to increase the probability of you achieving your meaningful outcomes.
Because so much work has already been done clarifying your outcomes leading to your highly personalised financial strategy, the financial tools (investments) needed are then obvious and simple to recommend.
We have no investment product to offer or "push".
If a new financial tool (investment/way of investing) becomes available that is better & more suitable than what is currently in place, we will recommend it.
This gives you much more confidence and time to live your life the way you want because you know everything being put in place is aligned with your best interests.
Our philosophy to Investing in Simple Terms:
1. No one knows or has ever known or can reliably predict the future.
2. Low costs and a wide range of investments give you the best chance of long-term investment success.
3. There are many groups/ways of investing. For most investors, the most effective groups of investments are the traditional ones: Defensive (Cash & Bonds) & Growth (Listed Shares & Property).
4. Based on the latest academic research, the long-term investment return you achieve (and need), which is 85%- 95% of it, predominantly comes from the proportion you have in Defensive vs Growth.
Getting that mix right for you is the key. It is not picking the right individual investment or perfectly timing when to buy and sell that determines your long-term investment return.
What does this mean?
Invest in low-cost, well-diversified portfolios that have a percentage in defensive and growth assets that suit you personally and are aligned with your goals—regardless of whether you are investing in your personal name, superannuation, or a company/trust.
Oh, and stay disciplined. Invest for the long term (at least 5-7 years); anything shorter than that is mere speculation, or to put it another way, gambling.
For a lot of people, thats easier said than done.
The key is to be really clear in financial terms about what you need to live your ideal life and accomplish your meaningful outcomes.
Then, accurately match this to an investment portfolio that is positioned to achieve the required financial measures, taking the lowest possible risk at the lowest possible cost.
Having all of the above appropriately set up is crucial to ensuring you have enough money & access to it when you need it!
A personally tailored initial and ongoing plan/strategy, meticulously crafted by a professional who takes care of all the worrying for you, can accomplish this. This enhances your financial security and provides peace of mind, allowing you to focus on enjoying your life.
This allows greater freedom & confidence to focus on enjoying your life.
