HOW WE WORK
Whether you are seeking Strategic Planning, Financial Advice, Investment Management, or simply a peer review of your existing investment strategy, we follow these steps with all our clients to ensure their needs are met and their unique goals and values accounted for.
1
Discover
Our initial step involves meeting with you to understand your goals, and what you are wanting to achieve. You may have very specific needs or straightforward savings objectives. Clients often prioritise wealth preservation, income generation, savings accumulation, or tax considerations when crafting their financial strategies.
Following a comprehensive analysis and evaluation of your situation, we embark on the research necessary to construct a customised financial plan tailored specifically to your needs.
2
Plan
Once we have gathered the necessary information and conducted thorough analysis, we present your financial plan. Our financial plan goes beyond mere investment strategies, as we recognise the need to encompass all aspects of your personal and financial affairs.
We will ensure that your plan addresses your unique needs, including considerations for insurances, estate planning, retirement expense patterns, and the broader needs of you and/or your family.
3
Implement
Having presented the plan and agreed to go forward we then discuss how to implement our recommendations to achieve your objectives. Our approach to portfolio construction follows the principles of the ‘asset class’ methodology. This involves placing your funds into a well-diversified portfolio, consisting of a variety of assets, to effectively safeguard and enhance your capital across various market conditions.
Our approach is based on the research of Eugene Farmer and Kenneth French and involves building a well-diversified portfolio, consisting of a variety of assets. We recognize that various asset sectors yield distinct returns and exhibit varying levels of volatility over time. By combining different asset classes within a portfolio, we aim to mitigate volatility through counter-cyclical offsets and the inclusion of high-quality bonds.
4
Grow
We are committed to fostering long-term relationships with our clients. Our focus extends beyond initial investments, as we strive to support your growth over the long run. We understand that your circumstances may evolve, which is why we conduct periodic reviews of your situation.
These reviews allow us to assess any changes, adjust our strategies if necessary, and ensure that your investment approach remains aligned with your goals and objectives. Through ongoing engagement and continuous evaluation, we aim to deliver an investment solution to meet your objectives as well as the necessary support to navigate your financial journey.
CERTIFICATIONS
RIAA
Rutherford Rede is a member of the Responsible Investment Association Australasia (RIAA). RIAA is a leading organisation in Australia and New Zealand dedicated to advancing responsible and ethical investment practices, promoting sustainable finance, and supporting the integration of ESG factors into investment decision-making.
UNPRI
The United Nations Principles for Responsible Investment (UN PRI) is an internationally recognized initiative that encourages investors to incorporate environmental, social, and governance (ESG) factors into their investment practices. It is a voluntary framework that aims to promote sustainability and responsible investment decision-making.
The UN PRI consists of six principles that guide investors in integrating ESG considerations into their strategies and practices. These principles cover various aspects of responsible investing, including analysis and decision-making processes, active ownership, seeking disclosure from invested entities, promoting the principles within the investment industry, enhancing collaboration, and reporting on activities and progress.
Custodian
A custodian is responsible for safeguarding and managing financial assets on behalf of our clients. Their main duties include securely holding assets, facilitating trade settlements, maintaining accurate records, handling corporate actions, providing arm’s length performance reporting and compliance services. The service also allows access to wholesale investment services and online access via a secure portal.
DIMS
Discretionary Investment Management Service (DIMS) license is granted by the Financial Markets Authority (FMA) to financial service providers. This license allows us to offer personalised investment management services on behalf of our clients.
To obtain a DIMS license, we must meet regulatory requirements, including demonstrating appropriate governance structures, risk management procedures, client disclosure practices, and sufficient financial resources. The license ensures that we adhere to professional standards, transparency, and client protection when managing investments.
Asset Class Investing
The principals of asset class investing are based on the Modern Portfolio Theory (MPT) and the Fama-French Five-Factor Model. MPT, as recognised by the 1990 Nobel Memorial Prize in Economic Sciences awarded to Harry Markowitz, is the foundation on which the majority of the portfolios worldwide will be structured and how subsequent decisions will be made.
Nobel Laureate Eugene Fama and researcher Kenneth French, former professors at the University of Chicago Booth School of Business, underwent research to better measure market returns and found that value shares outperform growth shares. Similarly, small-cap shares tend to outperform large-cap stocks.
