Independent Personal Financial Planning and Investment Advice
We hold an Australian Financial Services Licence which enables us to give you expert and unbiased investment, superannuation and financial planning advice untainted by commissions or third party “kick-backs”.
We are not owned or aligned in any way with banks or other financial product providers. We have no incentive to recommend their products.
Our fees are based on the level of service you require from us and not on the amount of money you have.
Our director is accredited by the Institute of Chartered Accountants of Australia to use the designation CA – SMSF and Financial Planning Specialist.
His expert advice will assist you in the preparation and maintenance of a well thought out financial plan for you and your family.
Do you have enough expertise and experience to do this for yourself?
Good advice is not without a cost, but getting no advice or the wrong advice can cost you very much more.
Do you understand the risk in your investments and your superfund’s investments?
Are your financial affairs structured in the most tax effective manner?
Are you using all the available Tax and Centrelink concessions effectively?
Are you getting your advice from well meaning but unqualified sources?
Is the advice you are getting unbiased and impartial?
Is your existing investment portfolio more complicated and expensive to manage than it needs to be?
“My advice to the Trustees of my Estate could not be more simple. Put 10% of the cash in short-term government bonds and 90% in a very low cost S & P 500 index fund.” – Warren Buffett
“We cannot suppress the powerful intuition that what makes sense in hindsight today was predictable yesterday. The illusion that we understand the past fosters over confidence in our ability to predict the future” – Daniel Kahneman, Nobel Prize winner, in thinking, Fast and Slow
“The only value of stock forecasters is to make fortune tellers look good” – Warren Buffett
“Far more money has been lost by investors preparing for corrections, or in trying to anticipate corrections, than has been lost in corrections themselves.” – Peter Lynch
The probability of loss is what most people mean when they say ‘risk’.
Few people in the real world consider volatility the key risk (as many experts do simply because they can measure it).
Selling at the bottom – and turning a downward fluctuation into a permanent loss – is the cardinal sin in investing.
Like any judgement regarding the future, the probability of loss can’t be anything but a matter of opinion.
The riskiness of an investment becomes apparent only when the investment is tested.
Some of the greatest pain in 2008 was felt by investors who had overestimated their ability to withstand volatility – Howard Marks
Continuing Professional Development Policy
Our Financial Services Guide (FSG)
Financial Services Guide Version 15
Helpful Links on Financial Planning Issues
CENTRELINK DEEMING RATES
GET RICH SLOW (WILLIAM BERNSTEIN – 2014)
LIFE EXPECTANCY AND PROBABILITY OF SURVIVAL GUIDE
MONEY MUSTS BEFORE YOU DIE (MONEYSMART)
TEN GREAT QUOTES FROM WARREN BUFFETT
WHAT NOT TO DO – WARREN BUFFETT
WHY INVESTORS CAN’T RESIST MARKET TIMING – CHRIS CUFFE