Investment Services

Direct share ownership

Through our broker relationships, we provide tailored advice on direct ASX and international share holdings. Unlike a managed fund, you own the shares yourself. That means full transparency over what you hold at any moment, the tax benefit of franking credits from Australian companies, and the flexibility to adjust positions as your situation changes.

We can also assist with the sale of listed shares and have the proceeds in your account within four business days.

Managed funds and ETFs

When direct ownership is not the right fit, managed funds and ETFs offer diversified exposure across asset classes, sectors, and geographies with lower minimum investment thresholds. We assess each option against your risk profile, your existing portfolio, and the cost and tax efficiency of the structure before recommending it.

International securities

Australian markets represent a small share of global investment opportunities. Where appropriate, we include international shares and global funds to give your portfolio access to industries, regions, and currencies that the ASX does not cover.

Cash, term deposits, and fixed interest

Defensive assets have a role in nearly every portfolio. We help structure cash holdings, term deposits, and corporate bond exposure so they do the job they are meant to do: stability, income, and dry powder for opportunities, not lazy money sitting at low returns.

Managed portfolios

For clients who want a professionally managed portfolio without the complexity of individual security selection, we offer access to our actively managed Australian shares, international shares, Australian property, and corporate bond portfolios. Administration is handled through our managed accounts platform, with full online access, quarterly portfolio reports, and annual taxation statements. Details of each portfolio are available under Investment Management.

Start with your risk profile, not the market

Every recommendation begins with what you are trying to achieve and how much volatility you can sit through without losing sleep. Two clients with similar incomes can have very different risk profiles, and the right portfolio reflects that.

Build a framework, not a one-off pick

We work with you to set an investment framework: asset allocation, return expectations, and the discipline that governs how the portfolio is reviewed and rebalanced. Individual securities or funds fit within that framework, never the other way around.

Review on a schedule, adjust when life changes

Markets move and so does your life. We review portfolios regularly and adjust holdings when your circumstances or the broader environment warrants it. Selling a business, approaching retirement, an inheritance, or a major purchase all change the shape of the right portfolio for you.

Who is this for

Investment advice fits clients at different stages and with different goals. We work with:

Accumulators: Building wealth over a long horizon, with income from work or business covering living costs

Retirees and pre-retirees: Investing for income now, with capital protection a higher priority than growth

Established portfolio holders: Holding meaningful share or managed fund positions that need active oversight rather than benign neglect

Inheritance or windfall recipients: Looking for guidance on how to invest existing wealth efficiently, often alongside other financial planning advice

SMSF trustees: Looking for portfolio structure that meets compliance requirements and balances accumulation against drawdown

Administration and reporting

Where you hold investments through our managed accounts platform, you get:

Full online access to your portfolio at any time

Quarterly performance and holdings reports

Annual taxation statements ready for your accountant

Direct access to your adviser for portfolio questions, not a call centre

Get started today with our Budget Calculator

Use our free Budget Calculator below to get a clearer picture of your current financial position. It’s a simple, powerful first step to understanding your spending habits.

Then, book a complimentary strategy consultation with one of our financial advisers. We’ll walk you through your results, provide tailored insights, and help you develop a realistic, achievable budgeting plan, with ongoing support.

Frequently asked questions

Do I need a minimum portfolio size to work with you on investment advice?

Investment advice fits best when there is enough to make the structure worthwhile, generally from a few hundred thousand upwards, though the right figure varies by your goals and what else we are working on together. The first conversation is the cheapest way to find out whether it is the right fit.

Direct shares or managed funds — which is better?

Neither is universally better. Direct shares give you transparency, control, and franking credits, but they take more active management and a higher portfolio size to diversify properly. Managed funds give you instant diversification at lower entry points but reduce transparency and add a layer of cost. The right answer depends on the portfolio size, what you already hold, and how engaged you want to be.

How is this different from what your Investment Management division does?

Investment Management is our wholesale platform and portfolio products business: the Managed Portfolio Service, Separately Managed Accounts, Managed Discretionary Accounts, and the Focus, Prosperity, and Executive Series portfolios. This page is about the personal investment advice your financial planner provides as part of your overall plan. Many clients use both: an adviser-led portfolio strategy here, executed in part through Investment Management's products.

How often do you review my portfolio?

Most clients review at least annually, with formal rebalancing as needed. We also reach out when something material happens in your portfolio or in the wider market that changes the picture. Clients with managed portfolios receive quarterly reporting regardless of how often we meet.

Can I keep my existing investments and just get advice on them?

Yes. Many clients come with portfolios already built and want a second view on whether the structure still fits their goals. We can review what you hold, identify any gaps or concentrations, and recommend changes from there. There is no requirement to start from scratch.

What happens if markets fall sharply?

We do not try to predict short-term market moves. We build portfolios to hold up across cycles, including periods of significant decline. When markets do fall, we lean on the framework we built with you, not on emotion. For most clients, the right response in a sharp downturn is no panic action, possibly rebalancing into weakness if that is consistent with their plan.

Build a portfolio that works for the life you want

What we cover