Our Investment Philosophy

We inspire you to achieve your dreams.

Like all successful financial advice businesses, we have a core set of investment beliefs. These beliefs shape the investment decisions we take on your behalf and give focus and discipline to the oversight of your investment goals.

At Geelong Wealth Advisers we take pride in motivating our clients to take ownership of their financial future and to have a clear vision of how to live your lifestyle of choice.

We love working in the investment world but more than that we take an interest in what’s important to you and your family.

We are guided in the decisions we make on your behalf by some fundamental investment principles that assist you to stay focused on your investment goals and build wealth over time.

We know that investors can’t control short-term market movements. So instead we focus on factors in your control such as:

  • Understanding your attitude towards risk and return to develop a detailed risk profile
  • Allocating your investments across a wide range of assets - shares, bonds, property and cash
  • Choosing the right mix of investments styles to achieve your goals - index and active
  • Reducing the cost of investing wherever possible by implementing tax - effective investment strategies
  • Rebalancing your investments back to your target asset allocation to keep you on track to achieve your goals

We don’t focus on the markets, the economy, manager ratings or the performance of individual securities. Instead we focus

  • on the fundamental principles that we believe can give our clients the best chance of success.
  • We will help you create specific and measurable investment goals.Ä
  • We will help you develop a suitable asset allocation using broadly diversified funds.
  • We will help you minimise cost.
  • We will help you maintain perspective and long-term discipline.
  • These principles are embedded in our culture and guide the investment decisions we help our clients make.

Your Goals

Our approach is all about goals-based investing; they are your goals and by working with you, together we can assist you to achieve them over the short, medium and long term. We work with you to understand your personal and financial goals.

The first step is to know what you want out of life, so while you are thinking about it right now, there is no better time to discuss what’s important to you and your family.

If you have specific investment preferences we take this into account.

We understand how important it is to stay focused whilst making the appropriate decisions on your long term plans.

We help inform you around the market ups and downs and help you understand how your cash accounts and investments work for you in different market cycles. We decide when to sell and buy not the market.

I don't believe we need to be stressed. We want you to be relaxed, not worried about hearing sensationalised news stories.

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“No matter what you are after, if you are too focussed on the end result, you may miss the rewarding journey.”

Dr Anil Kumar Sinha

“Not until we ourselves recognize what is holding us back, can we excel and move forward.”

Maria Koszler



It is important to manage market risk, inflation risk and shortfall risk among other risks to help clients in achieving their financial goals.

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We work with you to understand that your portfolio is in line with your risk profile and that any cash fund requirements are met.

Rebalancing helps to control portfolio risks; lack of rebalancing allows the high-return (and usually high-risk) assets to grow and results in higher portfolio risk.

Periodic rebalancing is necessary to keep portfolio in line with the asset allocation designed for the objective.

We don't believe in timing the market.

While it is possible for a market-timing strategy to add value from time to time, on average these strategies have not produced returns in excess of market benchmarks.

Where relevant to you we would encourage regular contributions to your investments.


We educate our clients on the dangers of reacting to market downturns and making poor investment decisions when emotional.

We help our clients to focus on their long term strategies and how staying the course will help them to achieve their goals in life.

Investment costs

The lower investment costs are, the more clients keep of their returns and the greater their chance of achieving investment success.

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Manager Selection & Governance

We believe it is important to understand manager’s philosophy, culture, expertise and investment process.

We take into account transaction and management / performance fees to understand the cost of the recommended investment option to our clients.

Regular research is completed on all investment managers and if deemed that a change is required you will be advised you accordingly.

The removal from investment managers in portfolios is conducted upon receiving due diligence from research partners.

We undertake regular reviews to stay informed about investment portfolios and managers’ capabilities. We pay attention to changes in manager ownership, personnel, resources and culture.

We maintain regular communications to check if the portfolio is being managed in accordance with established guidelines and to discuss performance results.

We believe that relying on past returns is an easy way to make poor investment decisions. Effective asset management requires focus on the long term.


Having read through our Investment Philosophy, you’ll now be aware of the framework we will be using to make recommendations and investment decisions on your behalf. We focus on fundamental principles that we believe will give our clients the best chance of success.

How we help you

Geelong Wealth Advisers is a privately owned and operated financial advice

business servicing Geelong and surrounding areas, that focuses on providing quality advice tailored to meet your needs and objectives.

We are a specialist boutique financial advice business which combines our passion and strengths, with your want to succeed in life.

Our aim is to deliver a personalised solution to your goals in life and to work together to ensure you achieve these over time.

We Advise our clients to Excel in everything they do and Inspire them to achieve their dreams.

“If your actions inspire others to dream more, learn more, do more and become more, you are a leader.”

John Quincy Adams