We will perform thorough due diligence on any fund manager, company, person or investment strategy before recommending it to you. This will include past risk and return, analysis of the strategy, monitoring of fees, assessing the financial strength of the investment manager and any other significant risks unique to that investment. We will recommend only the most reputable of fund managers and service providers.

We will warn you of these risks involved in any strategy, in writing, before recommending that investment.

We will offer a comprehensive financial planning service that takes into account personal investments, superannuation, insurance, mortgages and debt management, estate planning and taxation.

We will maintain our independence by not accepting any commission or soft dollar benefit for recommending an investment, unless you request us to do so as an alternative to operating on a fee for service basis.

We will disclose all benefits we receive and any conflicts of interest.

We will not sign any distribution agreement that restricts our choice of investments or product providers. We will operate free from restriction on investment strategies, and will maintain a broad view of many investment alternatives from many product providers.

We will recommend only the most reputable of specialist advisers if you require the advice of a tax or estate planning lawyer, accountant, superannuation expert, auditor, stock broker, insurance or mortgage broker, actuary or real estate agent. We will not accept a referral fee for doing so. If a fee is paid to us, we will rebate the value of this benefit in full to you.

We will continue our professional development on an ongoing basis, to keep our qualifications up to date even when laws, people and markets change.

We will include family members and heirs in all aspects of the relationship as deemed appropriate.

We will communicate our investment strategy and the underlying principles of investment to you as clearly as possible. This will occur in numerous ways, including thorough discussion of investment strategies, at reviews, and through seminars which all clients are welcome to attend.

At all times we will treat you in the manner that we would like to be treated. We will be as careful in managing your money as we would be with our own money, if we were in your situation.

We will invest our own funds in a manner identical to what we recommend to you.  We will not recommend any strategy to you that we would not be willing to use ourselves.

We are committed to a long term professional relationship based on a high degree of service, communication, reliability and integrity.