Helping you make and protect wealth — honestly, ethically and justly.
We don’t operate as a production line. We don’t funnel people into pre-set solutions. And we don’t believe your financial life should be shaped by trends, templates, or pressure.
Our real strength is in relationships—being available when you need us, knowing your situation well enough to respond meaningfully, and helping you build capability and confidence rather than dependence. Your needs will change over time, and we adapt as your circumstances do.
Investment Management Approaches
When investment advice is appropriate, we offer different levels of involvement. We believe the process should fit the person, not the other way around.
What kind of involvement are you looking for?
The Advised Approach
We manage a pool of funds under predefined strategies. You step back; we handle the ongoing decisions, rebalancing, and execution.
An amount of money—whether in super, an investment account, or another structure—is placed under our advice. We manage those funds according to an agreed strategy or approach: asset allocation, rebalancing, and investment selection.
Between the Flags
Designed for funds where your options are restricted—such as industry super, corporate funds, or specific investment menus. We optimize within the rules.
Just because a menu is limited doesn’t mean you can’t be strategic. We analyse the available options within your specific fund and construct the most efficient portfolio possible given those constraints.
Directed
You participate in the investment process—in full or in part. This is a collaborative, hands-on relationship tailored to exactly how you want to engage.
Sometimes called “Private Client” or “Bespoke.” You’re involved in the portfolio decisions—whether that’s discussing individual investments, debating allocation choices, or simply wanting to understand and approve each move before it happens.
Our Investment Process
When investment advice is appropriate, our process builds on industry-standard Strategic Asset Allocation but adds layers of research, adjustment, and personalisation.
Click any step below to explore.
FinaMetrica
A straightforward questionnaire—can be completed in about 15 minutes, even on your phone. But don't let the simplicity fool you: it's psychometrically validated and used by advisers worldwide.
Your genuine risk tolerance—how you actually respond to investment scenarios, not what you think you should feel. There's often a gap between intellectual understanding ("I know markets go up and down") and emotional reality ("I can't stop checking my balance"). FinaMetrica identifies where you genuinely sit.
A detailed report showing your risk tolerance score, how it compares to the broader population, and what it means for portfolio construction. This becomes the starting point—not the end point—of our conversation about your investments.
Delta Factors
Formerly Farrelly's Investment Strategy—one of Australia's most respected independent research houses. Delta provides quarterly analysis of asset class valuations, return expectations, and portfolio efficiency.
Most managed funds and super products use Strategic Asset Allocation—set percentages in each asset class, rebalanced periodically. It works, but it largely ignores current valuations. Are shares expensive or cheap right now? What returns can we realistically expect over the next decade given where prices are today?
Rigorous scenario analysis—not just the "most likely" outcome, but a range of possibilities including less probable but impactful events. Their research helps us understand whether current market conditions warrant adjustments to standard allocations, and what returns are reasonable to expect.
WSP Adjustment
This is where we bring practical reality and your complete situation into the picture.
Not all investments are available in all structures. Your super fund might not offer certain options. A particular managed fund might be closed. We work within what's actually accessible to you.
How easily can allocations be changed? What are the costs of switching? Some structures are nimble; others are cumbersome. This affects how we build and maintain your portfolio.
Distinct from risk tolerance. You might be comfortable with volatility, but if you need that money soon, your capacity to bear a 30% drop is limited regardless of your preferences.
Total Portfolio
The final layer transforms a model portfolio into your portfolio by considering your complete financial picture.
It sits within The Wealth Pyramid™, ensuring your foundation (cash) supports your accumulation (investments). Because we have documented the "Why" in steps 1, 2, and 3, you can sleep soundly knowing your strategy is deliberate, not accidental.
Learn More
Michael's Musings
Thoughts on markets, investing, financial planning philosophy, and the intersection of money and life.
Moneysmart
ASIC's guide to money, investing, and financial advice. Independent government resource.
Strategy Profiler
An interactive tool to help you understand different investment approaches and risk profiles.
Educational Resources
Deep-dive infographics and guides on topics from housing affordability to portfolio construction.
The Wealth Pyramid™ and The Service Cube™ are WSP's proprietary frameworks developed over more than two decades of practice. Together, they ensure we address both your complete financial picture and your evolving need for advice and service. These frameworks have been registered trademarks since June 2002, reflecting our long-term commitment to evidence-based, client-centred financial planning.
Ready to Get Started?
Whether you're new to WSP or already part of our community, we're here to help you take the next step.