How We Work
Let us help you find clarity through a process that revolves around you.
Designed with you in mind
Our process is focused on you
We provide a personalised and client-focused experience. From the moment you engage with us, our team works to understand your unique needs and goals. We strive to make every interaction seamless and efficient.
Our commitment to putting you at the centre of our process ensures that you receive the highest level of service and attention, every step of the way.
Learn
We will meet with you to understand your current situation, what you value in life, and what you want to achieve. This stage is also an opportunity for you to learn more about Cambridge Partners, your future Adviser, and, if you would like to – learn more about investing.
We then work with the information you have provided us and use our expertise to create a holistic financial plan designed specifically for you, helping you to achieve your goals.
Partner
When you are happy with your plan, your Adviser will set up your investment portfolio.
From this point on, your Adviser is your partner. We will support you, update you, and guide you into the future. We will meet with you at least annually. We will help you make informed decisions, bring you peace of mind, and help you pursue the future you want.
We will meet with you to get an understanding your current situation, what you value in life, and what you want to achieve. This stage is also an opportunity for you to learn more about Cambridge Partners, your future Adviser, and, if you would like to – learn more about investing.
We then work with the information you have provided us and use our expertise to create a holistic financial plan designed specifically for you, helping you to achieve your goals.
Partner
When you are happy with your plan, your Adviser will set up your investment portfolio.
From this point on your Adviser is your partner. Supporting you, updating you, and guiding you into the future. We will meet with you at least annually. Helping you to make informed decisions, bringing you peace of mind, and helping you to pursue the future you want.
Plan for your future
Fees
We do not charge for the initial call or Discovery Meeting where we get to know you.
Any fees charged to you subsequently will depend on the nature and scope of the advice or service we provide.
Disclosure StatementFinancial Plan and Investment Strategy (excl GST) | |
Financial Plan Standard | Between $1,000 and $5,000. |
US Citizens Financial Plan | Between $3,000 and $8,000. |
UK Pension Financial Plan* | Between $1,000 and $5,000. |
*Does not include external specialist advice (if applicable). | |
Ongoing Advice Fee Scale (excl GST) per annum | ||
Fee Scale | Portfolio Size | Advisory Fee |
First $500,000 | $0 to $500,000 | 1.1% |
Next $500,000 | $500,001 to $1,000,000 | 1.05% |
Next $1,000,000 | $1,000,001 to $2,000,000 | 0.82% |
Next $3,000,000 | $2,000,001 to $5,000,000 | 0.5% |
Next $5,000,000 | $5,000,001 to $10,000,000 | 0.4% |
All other assets | Over $10,0000,000 | Negotiable |
Advice fees are usually tax deductible. We use a custodial system to assist with investment management. Where fees apply for this service, these are charged monthly on a tiered basis. Depending on the investments selected, there may also be investment management fees (charged by the fund manager). Brokerage and transaction fees are incurred when purchasing and selling securities and are based on the value of the transaction. Brokerage fees vary depending upon the security being traded and the exchange on which they are traded. | ||
KiwiSaver Advised Solution (incl GST) per annum | |
KiwiSaver Advised Solution: | 0.45-0.75% |
The Ongoing Advice and KiwiSaver Fees will be charged monthly and will be deducted from your investment portfolio, unless otherwise agreed. | |
Asset Allocation
All investments can go up and down in value, but some types of investments go up and down more than others. Also, some type of investments are expected to provide higher returns over time than others. Choosing the right types of investment for your needs is a material driver of investment performance. Trying to time the market or pick the winners is not.
Managing Investor Behaviour
Investors are often their own worst enemy when it comes to investment returns. Fear can often lead investors to pull money out of investments when they are worried their value may underperform, and greed can lead investors to take on more risk than they should when they think markets will go up. The data shows this is more harmful than helpful. Managing these emotions with the support of a financial adviser drives performance.
Diversification
Nobel Prize laureate Harry Markowitz is famously reported as saying that “diversification is the only free lunch”. We invest client money in a large number of investments, across a broad range of industries and geographies. This reduces the risk in your investment portfolio without necessarily compromising the expected return.
Efficient Investment Management
While investors cannot control what the market will do, we can control how we access investments to ensure they are as efficient as possible. This includes developing tax efficient strategies, minimising trading costs, and investing in cost efficient investment products. Together these actions lead to higher net (after expenses and taxes) returns.
Environmental and Social Responsibility
Some investors have dual objectives with the funds they invest. They want to generate a return so that their investments can provide for them into the future, but they also want to align their investments with their personal values. Often this involves incorporating environmental or social performance criteria. We design investment strategies that are focused on incorporating client values.
Modern Portfolio Theory
An evidence-based approach
The basic principles of asset class investing are based on the foundations provided by Modern Portfolio Theory and the Fama-French Factor Model. Find out why we follow an evidence-based investment approach.
Learn More
Would you like to know more?
Would you like to know more?
Talk to us to find out how we can help.
Talk to us to find out how we can help.