From the first conversation to ongoing advice, here’s what working with FinPeak actually looks like.
We start by getting a complete picture of your situation — what you earn, what you own, what you owe, and what matters most to you. We’ll ask about your goals, your family, your concerns, and the decisions you’re weighing. Nothing moves forward until we understand the full picture.
We build a financial model of your situation and explore different pathways side by side. What happens if you pay down the mortgage faster? What does retiring two years earlier look like? What’s the impact of increasing super contributions now? You see the trade-offs before you commit to anything.
We present our formal recommendations clearly and in plain English — walking you through the strategy, the reasoning behind each recommendation, and what we’re proposing to change. You have time to ask questions, push back, and think it over. Nothing is implemented without your decision.
Once you’re ready to proceed, we put the plan in motion. We handle the paperwork, coordinate with product providers, and keep you informed at every step. You don’t need to chase anyone — we do that.
Your financial life doesn’t stand still, and neither does your advice. We meet with you regularly to review progress, revisit the plan as circumstances change, and stay alongside you as priorities shift — whether that’s a new job, a property decision, a change in family situation, or simply getting closer to retirement.
We believe good investment outcomes come from having the right structure, not from chasing returns or reacting to short-term market movements. Our philosophy is built on three principles: understanding your risk profile, building a well-diversified portfolio, and staying disciplined over time.
Before we recommend anything, we establish your risk profile — your tolerance for volatility, your investment timeframe, and what you’re actually trying to achieve. Every recommendation flows from that. A portfolio that’s right for someone at 35 with 30 years to retirement looks very different from one that’s right for someone at 60 planning to retire in five years.
We structure portfolios using a core-satellite model. The core — typically 60 to 80 per cent — is built from low-cost, diversified index funds providing broad market exposure with tax efficiency and stability. The satellite uses actively managed funds and alternative assets to seek additional return and diversification beyond what a pure index approach can provide.
A well-structured portfolio includes exposure across cash, fixed interest, Australian and international equities, property and infrastructure, and alternatives. The right mix depends on your goals and timeframe — and we rebalance regularly to keep it aligned as markets move.
We offer seven model portfolios spanning standard and ethical options, across growth, balanced and retirement-focused profiles. Your adviser will recommend the portfolio that fits your risk profile and goals — and can explain exactly what’s in it and why.
Most financial decisions feel difficult because you can’t see the outcome before you commit. We change that.
Using specialist financial planning software, we model your situation across multiple scenarios — your base case, a proposed strategy, and alternative pathways — so you can see how different decisions may play out over time, side by side.
The modelling isn’t a one-off exercise. We update it at every review so your plan stays current as your life changes.
The discovery call is where we start — a 30-minute conversation to understand where you are and whether we’re the right fit.
Book a discovery call