We use The CAREphilosophy®, which is designed to work in the real world for people with a variety of portfolio goals and risk profiles.  While traditional investment theories are focused on asset selection, with a minor emphasis on market timing, the CARE Philosophy is designed to also absorb the risks posed by investor behaviour.

CARE works from three key areas: 50% investor behaviour, 45% asset allocation, and 5% timing and selection. The CAREphilosophy® is based on the principle that investor behaviour makes the difference in your investment success.

The DALBAR Study found that the average return from the top 500 U.S. listed companies between 1980 to 2000 in the U.S.A was 12%. In contrast, the average return for investors over the same period was 4%. What was the cause of that 8% difference? Negative investor behaviour.

CARE is split into four unique sections, or buckets, that work together. Each plays an important role in managing your wealth. Your asset allocation is tailored, based on your personal goals, your timeline to using your investment income, how you would like to use your money, and your risk tolerance.

• Core Investments (40%-100% portfolio depending on risk profile)
• Active Investment (0%-20% portfolio depending on risk profile)
• Reserves (Retirees 4 years worth of spending/Working Income Protection and Emergency Fund)
• Enhanced Returns (0% – 35% depending on risk profile)

We don’t rely on speculation or market timing — strategies that often prove ineffective. Instead, we focus on building a smart, forward-looking investment plan that’s designed to weather market ups and downs and support your financial success for years to come.

CARE is overseen by a team of expert Australian financial professionals with over a century’s worth of experience between them.

A retirement investment strategy can be integral in a well-developed retirement plan. Our investment strategy factors in your level of risk sensitivity and your timeline to create a personalised plan that is integrated with your holistic retirement roadmap. Our investing for retirement strategy means you achieve:

• Diversity in your portfolio
• Protection against risk
• Maximised returns using a combination of active and core investments
• A cash reserve to prevent negative sales of assets
• A segment of blue-chip, high-dividend shares for consistent income

Each retirement plan will look different based on life stage, individual needs, preferences and lifestyle – we take the time to ensure these factors are carefully considered and incorporated.

We focus on understanding what you really want from your retirement and helping you achieve that.

Our retirement financial advisors and planners will work with you to clarify your goals, and then develop an action plan that clearly sets out the steps you need to take to achieve these goals.

Read our Investment Philosophy

We take a project management approach to our private advisory services, with the ability to act as an intermediary and ensure each element lines up with everything else in your financial world.

Project managing means that we take a leadership role in advising on what needs to be done, laying out a plan for you, and working with other service providers to bring everything together.

We work with a network of potential service providers, including your financial advisors, family lawyers, accountants, commercial and tax lawyers, estate planners, and others. This ensures that no stone is left unturned when it comes to setting up your financial structure for tax efficiency, business succession, confidence in financial decision-making, and a securing your legacy.

Our project management approach sets the standard for what you’re looking for and provides quality control on each piece of your financial puzzle.

See our extended services