How an individual is invested has a huge impact on achieving their investment goals. There is significant research that suggests that asset allocation drives over 85% of the investment outcome for an individual. Yet, this critical step of an advice process is often undervalued and under-appreciated.

For example, consider investors who take on too much risk at the wrong time of their investment horizon or not take enough risk, resulting in a significant shortfall to their objective.

With due care and skill, we will ensure your asset allocation meets your risk appetite, desired goals and is reviewed at least annually.

We know from our experience, in times of uncertainty investors can fall prey to making emotional decisions. Without the disciplined actions of an adviser, loss-averse or overconfident investors can make well intentioned, but poor decisions that can be detrimental to their personal wealth. 

We educate our clients, we help clients stick to their long-term financial plan, tune out ‘noise’ from media outlets, and this helps avoid behavioural mistakes and adds value.

Advisers have an opportunity to help clients optimise how they use cash at different stages in their wealth journey. From managing an income and spending behaviour and personal cashflow coaching and management through to managing cash balances, leading up to and through retirement.

An adviser can play an important role in educating clients on an appropriate level of cash to hold in their portfolio. They can also help clients keep their portfolio invested where appropriate to grow assets for future spending needs and find the best source and process for accessing capital when required.

There is a misconception that financial advisers merely select investments. However, we go beyond just technical expertise, we incorporate additional skills of effective communication, client understanding, emotional intelligence and behavioural awareness to name a few. 

A few recognised benefits of this expertise includes education, engagement, efficiency and enrichment to a client's financial and personal well being. 

Given we are Accountants and Financial Advisers, we can provide expertise in managing and optimising investment tax for our clients. This applies to both investments, structures in and out of superannuation.

In our complex tax system, we can identify the opportunities for you to consider how to make tax-savvy decisions in building your wealth. Different investment structures have different tax rates, and depending on the unique needs of you, our client, we can highlight some of these. In addition to structural tax strategies, we will research and recommend portfolios solutions that are tax efficient for our clients.