The first call is not a sales pitch. It is a structured conversation where we map your current cash flow, existing accounts, and the gap between where you are and where you want to be. You will leave with a short written summary of what we discussed and a clear next step, even if you decide not to continue.
Support channels and response times
Send your questions about articles, guides, or portfolio planning to info@{domain}. We reply within two business days, usually sooner. Include your account details if your question relates to a specific tool or saved plan.
Call (08)05325419 between 9:00 and 17:00 Australian Eastern Time, Monday to Friday. This line is for clarification on published content and general financial education questions, not for individual portfolio advice.
Email queries receive a first response within 48 hours. Phone calls are answered during business hours. If we need to escalate a question to a specialist, we confirm the expected timeline before you hang up.
Check the FAQ section first — many common questions about dollar-cost averaging, ETF selection, and retirement catch-up contributions are already answered there. This saves you time and gets you an immediate answer.
We do not provide personalized investment recommendations, tax filing assistance, or legal advice. Our role is educational: we explain concepts, compare options, and point you to the right resources. For personal advice, consult a licensed financial adviser.
If your issue is not resolved within five business days, ask for a supervisor. We track every query and follow up until your question is answered or you receive a clear explanation of why we cannot help.
A practical timeline from the first call to a funded account, with clear checkpoints and no surprises.
You receive a short questionnaire about your income, existing debts, and investing experience. We then schedule a 30-minute call to review your answers, confirm your risk capacity, and set a realistic monthly contribution target. No account is opened until you have seen the fee schedule and signed the engagement letter.
We gather bank statements, superannuation summaries, and tax returns from the last two years. A dedicated analyst maps your cash flow, identifies unused deduction opportunities, and checks whether your current insurance covers income protection. You receive a written gap report with specific numbers, not generic advice.
Based on the gap analysis, we build a model portfolio using low-cost index ETFs and a small allocation to defensive bonds. The strategy is documented in a plain-language plan that shows expected volatility, projected fees, and a rebalancing schedule. You approve the plan before any trade is placed.
We open the brokerage account in your name, link your bank, and execute the first purchases in three tranches over two weeks. This avoids market-timing risk and keeps the average entry price close to the prevailing level. You receive a confirmation report with the exact execution prices and total fees paid.
Your portfolio is monitored daily for drift, and you receive a monthly statement showing contributions, investment gains, and any fees deducted. At the end of week 12, we hold a review call to discuss performance against the benchmark, adjust the contribution amount if your cash flow changed, and set the schedule for the next quarter.
After the initial setup, we meet quarterly to review your progress, rebalance the portfolio back to target weights, and update your plan if your goals or income change. You can pause contributions at any time without penalty, and you retain full ownership of the account at all times.