- I will be thorough in establishing the facts of your case, and only when I fully appreciate your financial objectives and tolerance to the various types of risk will I suggest an investment strategy that is right for you.
- I 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. I will recommend only the most reputable of fund managers and service providers.
- I will warn clients of these risks involved in any strategy, in writing, before recommending that investment.
- I will offer a comprehensive financial planning service that takes into account personal investments, superannuation, insurance, mortgages and debt management, estate planning and taxation.
- I will maintain my independence by not accepting any commission or soft dollar benefit for recommending an investment, unless the client requests me to do so as an alternative to operating on a fee for service basis.
- I will disclose all benefits I receive and any conflicts of interest.
- I will not sign any distribution agreement that restricts my choice of investments or product providers. I will operate free from restriction on investment strategies, and will maintain a broad view of many investment alternatives from many product providers.
- I 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. I will not accept a referral fee for doing so. If a fee is paid to me, I will rebate the value of this benefit in full to the client.
- I will continue my professional development on an ongoing basis, to keep my qualifications up to date even when laws, people and markets change.
- I will include family members and heirs in all aspects of the relationship as deemed appropriate.
- I will communicate my investment strategy and the underlying principles of investment to clients as clearly as possible. This will occur in numerous ways, including thorough discussion of investment strategies with new clients, existing clients at reviews, and through seminars which all clients are welcome to attend.
- At all times I will treat clients in the manner that I would like to be treated by them. I will be as careful in managing their money as I would be with my own money, if I were in their situation.
- I will invest my own funds in a manner identical to what I recommend to clients, I will not recommend any strategy to clients that I would not be willing to use myself. If the strategies I recommend to clients do not perform well, I will do no better.
- I am committed to a long term professional relationship based on a high degree of service, communication, reliability and integrity.