Taking the stress out of achieving your financial independence
Services  

Outline of our service

Our expertise is in professional investment management and strategic financial planning. We act as our clients' key trusted financial adviser. We work closely with clients' other professional advisers (e.g. accounting, legal, banking, etc) to achieve an effective co-ordinated outcome. We are also an educator and mentor for our clients' overall life and family goals.

Key components of our services include direct share and managed fund advice, tailored personal portfolio management, superannuation and allocated pension advice and services (both Self Managed Super and Public Offer Services), retirement planning and wealth protection.

If you are interested in our service please contact us for a confidential discussion, during which we will build up an initial understanding of your broad situation and requirements, and how our service can best fit your requirements. There is no cost or obligation for this discussion.

Specialist in Personal Financial Independence

Our particular expertise is:

  1. Building and managing your retirement capital and income.
  2. Developing and implementing a financial independence "game-plan", tailored to achieving your individual financial needs and goals.

Investing for sustainable income

Nearly all of our retired clients (or clients planning their retirement) have a common goal - to optimize the after cost income from their retirement capital, while having sufficient growth to offset the impact of inflation over the medium to long term.

I have been assisting clients in this endeavor for over 20 years. Here are some key points in relation to our approach:

  • The focus is on optimizing the after cost running yield of the portfolio, while having sufficient high quality growth assets designed to offset inflation over the medium to long term.
  • The approach is designing to minimize the necessity to sell market linked assets at unfavorable times.
  • Unnecessary costs are minimized by the use of direct ASX listed securities, term deposits, and wholesale funds.
  • All income (dividends, distributions, interest) is directed into the portfolio's cash account. From this account we set up a direct monthly payment into your cash working account (i.e. you get paid a set monthly 'salary' in retirement).
  • Markets, legislation and your requirements will change over time. We keep your strategy on track by:
    • Regular portfolio reviews;
    • Pro-active advice between reviews if we believe things need changing;
    • Being available to take your queries at any time, and advise you appropriately.
  • We use top quality independent research when designing and managing your strategy.
  • To eliminate conflicts of interest we are fee for service.
  • We don't do tax accounting. Our focus is on investment planning. We believe clients achieve the best results when they use a dedicated tax accountant, in conjunction with a dedicated investment adviser (rather than using a service trying to do both).
  • We give clients the option of using a portfolio administration service or not (our fee is the same).
  • Client's electing to receive the investment paperwork themselves can achieve further cost savings.
  • Alternatively, clients can have cost effective convenience via an administration service: we constantly search for the most cost effective administration solutions in the market.
  • Either way we maintain your portfolio details in our reporting database, and provide you regular consolidation portfolio reports.
  • We do not operate managed discretionary accounts.  We always provide you written advice prior to acting on your instructions.  This means you are always in control.
  • Our service also covers assisting your accountant in preparing your portfolio's returns.

IMPORTANT WARNING: Any advice and additional information provided here does not take into account your objectives, financial situation or needs. You should therefore, before acting on the advice, consider the appropriateness of the advice, having regards to your objectives, financial situation and needs. It is important that you understand any general advice provided is not necessarily appropriate for you. Therefore, SIRA Group and Smyth Financial Services does not recommend or guarantee the performance of any investment entered into on your behalf.