Investment & ETF Advice Canberra
Independent investment advice from someone with no fund to sell you
Search "best index fund" and every answer seems to come from a company that makes the fund, runs the platform, or gets paid to list it. We don't sell a product and we don't charge a percentage of your money. We recommend investments that are suitable for your situation as part of a comprehensive plan to meet your objectives.
1%
Only around 1% of financial planners in Australia are independent. We are one of them.
Independent means no commissions, no kickbacks, and no ownership by a bank or super fund.
Buying an ETF is easy. Working out how it fits the rest of your life is not.
Access to investments today is far better than any time in the past. Statistically, a low-cost index fund is genuinely a sensible core investment strategy, but there are questions you should always be asking.
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How much should be in shares versus safer assets?
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How does this sit with your super, your tax, your mortgage and your retirement timeline?
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Is chasing last year's best-performing fund a good idea or a trap?
It can be hard to find unbiased answers. Fund managers want you to invest in their funds. Brokers want you trading on their platform. Comparison sites are paid to list. Almost everyone offering "help" has something to sell, and the advice bends toward the product.
Independent advice is different. We do not run a fund, take commissions or charge a fee that grows as a percentage of your balance. So when we look at how your money should be invested, we are looking at what we think is best for your situation.
How we build a portfolio
We start with your life. Your goals, your timeframe, how you actually feel when markets drop, and everything else in your picture: super, tax, debt, income, what you are investing for and when you will need it.
Our portfolio recommendations follow this discovery work as part of a comprehensive plan as products picked in isolation are rarely a good outcome.​​
"Always enjoy meeting with Andrew. Comfortable environment, sound advice, prompt action and no pressure to do crazy stuff with our hard-earned money. Thank you Andrew"
- Russell, Adviser Ratings
Investment advice with us typically covers
A goals and risk profile
What you are investing for, over what timeframe, and how much short-term ups and downs you can live with.
A portfolio recommendation
Specific low-cost investments, with index funds at the core and active management only where it's likely to outperform, chosen with no product bias.
A tax-aware structure
How to hold your investments across super, personal names, trusts or companies to keep more after tax, including franking credits and capital gains.
Asset allocation
The mix of growth and defensive assets set to your situation. This is the decision that matters most.
A cost and fee review
What you are paying now across funds, platforms and any existing advisers, and where that can come down.
A written strategy in plain English
What to hold, where, why, and how to stay the course.
How we build your portfolio
1
Complimentary introductory call
We talk through what you are investing for and where you are now. No cost, no obligation, and a chance to see whether we are the right fit.
2
Discovery and fact-find
If you go ahead, we gather the detail: your goals, timeframe, existing investments, super and tax position. We tell you the fixed fee up front before any work begins.
3
Strategy and portfolio design
We set your asset allocation and build the portfolio and structure that fit your situation.
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Your written plan
We present it plainly, walk you through it, and answer every question until it makes sense.
5
Putting it in place and reviewing it
We help implement the plan and review it as markets, your goals and the rules change. We also help you stay steady when markets get bumpy.
Trusted to deliver with your best interests first
"Andrew is a very capable Financial Planner. I have always found him to be an effective communicator, and have never worried about media reporting as Andrew has always been quick to contact me if he believes there is something that may cause me concern. I would highly recommend Andrew to anyone who would like to take a 'back-seat' approach to managing their financial portfolio, knowing that they are in safe hands"
- Emma, Adviser Ratings
"Andrew has a very warm approach and is able to articulate complex financial concepts in a clear and concise manner. Andrew's professionalism and strong investment knowledge has provided me with confidence that I am taking the right steps towards long term financial success."
- Johnathan, Adviser Ratings