Stage 1: Planning
In the ‘Planning’ phase, we assess your risk tolerances, time horizons, cashflow requirements and insurance needs, and prepare indicative financial projections through to life expectancy. The outcome is a tailored, documented strategy of money management advice (Statement of Advice), which may include asset ownership structures, investment preferences, personal wealth protection and insurance recommendations.
Stage 2: Implementation
The ‘Implementation’ phase may include guidance on portfolio construction, share trading, asset and income splitting, fund flow reconciliation, accountancy and tax reporting – the money management options are as endless as your individual circumstances.
Stage 3: Review
In the ‘Review’ phase, we track, measure and follow up on proposed money management actions and timelines, revisiting your objectives, reviewing investment and cashflow performance, rebalancing portfolios and addressing your tax position as required. This stage allows you to gauge how successful we’ve been in meeting your needs and, literally, hold us to account.

Documentation & Monitoring

Each stage of the financial consultation process is clearly documented, consistent with the type of product or service you choose. Product Disclosure Statements (PDS), for example, contain information about a particular product, to assist in your decision-making. Statements of Advice (SOA) contain our money management advice and the basis upon which it is given. A Record of Advice (ROA) may be issued on an ongoing basis, if there have been no changes to your personal circumstances and/or if the basis of our advice has not significantly changed since your last SOA.

Pinnacle Investment Committee

This committee meets once a month to consult with fund managers, agree an Approved Product List (APL) and conduct capital markets analysis – all of which serve to support the integrity of our money management advice and investment recommendations. Once a year the committee convenes specifically to assess market growth expectations and to construct so-called ‘model portfolios’, around which clients’ portfolios are structured. With so many checks and balances in place, it becomes a relatively straightforward discipline to monitor strategy and navigate successfully, no matter how market conditions fluctuate.