Understanding our clients:  their financial and personal circumstances, needs, objectives and risk profile.

Utilising effective structures:  constructing the most effective structure (e.g. family trusts, companies, superannuation funds, pension funds, gearing initiatives, joint or individual holdings) in the context of the most efficient management of assets, estate planning, taxation, succession planning and liabilities and other risks.

	investments that offer stable proven earnings and strong dividend or income returns to investors – in particular for those in retirement
	longer term performance, not the short term volatility associated with markets
	being on time in the markets, not timing the markets
	ensuring that investment capital is not eroded by inflation
	actively seeking unique investment opportunities
	rigorously determining and then maintaining a preferred list of investments
	building portfolios which preserve balance and diversity across asset classes, fund management, investment styles and sectors and regional allocation
	ongoing review of market and client situations.

The purpose of our insurance recommendations is to ensure our clients are best placed to protect their personal and financial position from impacts caused by illness, injury, permanent incapacity, traumatic illness and death.  This is achieved by:

	recommending the most appropriate and affordable insurance package from top rating insurance providers based on independent research
	working with the client to arrange insurance cover that allows for existing medical conditions or non-conforming work arrangements
	structuring the insurance package to maximise tax concessions and incorporating the client’s cash flow requirements