How we work
Our clients usually arrive financially independent. Our job is peace of mind.
We take a disciplined approach. Fundamentals over speculation, structure before product, and a plan you understand well enough to stick with when markets get noisy.
Step 1
Discovery
We take the time to understand you and your family. Where you want to be in ten and twenty years, what success looks like to you, and how much risk you can genuinely live with, which is often different from what a questionnaire says.
- Your goals for yourself, your family and your business
- Your idea of success and the values behind it
- Your appetite for risk, and your capacity to absorb it
- Whether you meet the wholesale investor tests, and whether using them suits you
Step 2
Analysis
We build your full financial picture across every entity you own: personal names, family trusts, companies, your SMSF and any business interests. With your permission we speak to your accountant early, so we’re working from the same numbers. Specialists come in where they’re needed.
Step 3
Strategy
Your aspirations, your values and your vision for the future shape a tailored investment approach. We set asset allocation targets and the right mix of diversification across asset classes, so your money is structured to reach your goals and preserve what you’ve built.
You’ll get our recommendations in writing, with the trade-offs of each choice set out. If we’ve considered an option and ruled it out, we’ll tell you why.
Step 4
Implementation
Once you’re comfortable, we put it in place. Accounts, applications, transfers and the coordination with other professionals. You’ll have full transparency and online access to your information along the way.
Step 5
Ongoing management
We schedule regular reviews and you choose how involved you want to be. Between reviews we keep you informed, watch your portfolio against the parameters we’ve agreed, and recommend changes when something drifts. When a change in the law or the market affects you, like the start of Division 296, we’ll be in touch rather than waiting for your next review.
Who you partner with matters
Debt and equity, working together
Every part of your financial world should work together, however complex it gets. Through WE Mortgage Solutions we can help you structure and source lending across your portfolio, choosing the lender that suits you, so the debt side of your balance sheet supports the investment side rather than fighting it.
Credit services are provided by WE Mortgage Solutions as an Authorised Credit Representative. See the footer for licence details.
Fees
How we’re paid
Your first discovery session is complimentary. After that, we agree a fee in writing before any work starts, based on the scope and complexity of what you need. Ongoing service is under an annual agreement you can end at any time. Full details of our fees and any other benefits we may receive are in our Financial Services Guide.
