Private Wealth Management Canberra
Independent private wealth management in Canberra
Ongoing management of substantial wealth, for a flat fee rather than a percentage of your balance. We aren't a bank or an institutional wealth arm, and we don't have financial links to product manufacturers. Just considered advice focused on your interests as your wealth grows.
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 or ties to a product provider like a bank or super fund.
Why growing and managing wealth needs expert advice
We find that once our clients have built substantial wealth, their challenge changes. It is no longer about getting started, it becomes about managing the increased complexity that has grown along side the wealth. It can be more difficult to have a cohesive plan around super, investments outside super, property, trusts or companies, insurance and tax.
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Furthermore, most people in this position have picked up a range of professions including advisers, accountants and brokers, and no single person looks at the whole picture. Often they have been offered "private wealth" by a bank or an institution, where the advice comes attached to that institution's own products and a fee that takes a percentage.
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That percentage based fee is worth pausing on.
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On a substantial balance, an asset-based fee can become substantial.
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A conflict exists where your advice fees are higher depending on the strategy you pursue.
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For example, if fees are based on assets under management, the advice is more expensive if you have more money invested than paying off debt.
What independent private wealth management looks like
We are independent in the way the word is supposed to mean. We take no commissions, we are not owned by a bank or a product manufacturer, and we do not have financial ties to a product manufacturer. Critically for larger balances, we charge a flat, agreed fee for advice rather than an asset-based percentage. Your bill does not increase just because your portfolio did.
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That independence is the whole point of private wealth management done properly. When the person advising you has nothing to sell and no incentive tied to where your money sits, the advice can stay focused on you.
"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
Private wealth management with us typically covers
A whole-of-wealth review
Everything you own and owe, mapped into one picture, so decisions are made on the full position rather than one slice of it.
Structuring advice
Trusts, companies and tax-effective structures, considered for your situation and briefed clearly to your solicitor and accountant.
Intergenerational and estate coordination
How your wealth passes on, tax-effectively and without family friction, aligned with your estate plan.
How your wealth is invested and structured for your goals and risk, independent of any in-house product, reviewed as markets and your life change.
Working alongside your accountant so your investment and structuring decisions are tax-aware.
Ongoing reviews and access
Regular reviews and a real person to call when a decision comes up, rather than a generic annual update.
How private wealth management works
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Complimentary introductory call
We talk through your situation and what you want your wealth to do. No cost, no obligation, and a chance to see whether we are the right fit.
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Discovery and fact-find
If you decide to go ahead, we gather the full detail across your situation. We tell you the flat fee up front before any work begins.
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Strategy and advice
We build the whole-of-wealth strategy: investment, structuring, tax coordination and estate, and present it plainly.
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Putting it in place
We implement alongside your accountant and solicitor, so everything lines up under one plan.
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Ongoing management
We review regularly and stay available for the decisions that come up between reviews, adjusting as markets, rules and your life change.
Trusted to deliver with your best interests first
"The independent financial advice we received from Andrew and his team has completely set our family up for success beyond just finance. So glad we changed financial advisers."
- M, Adviser Ratings
"[Andrew] is not only knowledgeable but is charming and has a genuine interest in helping people achieve their financial goals."
- Tu, Adviser Ratings