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Ethical Sustainable Governance

We guide our clients through the intricacies of ESG (Environmental, Social, Governance) investments, empowering informed decision-making. Our tailored ESG-themed portfolios are crafted only after thorough consultation, aligning your investments with sustainable and ethical principles. The term ESG can mean different types of investments to different people, even with the commitment to ESG investing, which is why we consult with you as part of our advice to make sure that we understand what ESG means to you.

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Life is a journey, it is unpredictable

How that journey unfolds for each person varies considerably. We use our experience to help you to make better financial decisions in unpredictable times and to ensure that changes in your circumstances, health crisis, divorce, inheritance, investments, are taken into consideration.
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Demystifying ESG Investing

Gain a deeper understanding of Environmental, Social, and Governance (ESG) principles and how they can shape sustainable investment portfolios, aligning your financial goals with your values.

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Tailored ESG Portfolio Strategies

Explore personalised ESG-themed portfolio options that reflect your commitment to ethical and responsible investing, designed after thorough discussion and analysis of your preferences and objectives.

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Case studies

Superannuation and Debt Management

Robert is 59 years old and single. He earns over $150,000 but still has a mortgage, a car loan and personal debt, and is somewhat exposed to rising interest rates.

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Mortgage, Investments and Insurance

Costa and Susan have two children and are in their early thirties. They have a mortgage and surplus savings, they are looking for ways to accumulate wealth and want to consider insurance.

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Retiring Early

Matthew is 49 years old and has children from a previous relationship. He has a house, a car, a boat and a motorbike but a low super balance.

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Portfolio Construction and Wealth Management

Peter and Aisha are in their 40s. Peter is in the construction industry but has not been happy with the performance of his superannuation. He notices that many of the large superannuation funds have investments in office buildings and is curious how infrastructure projects will perform financially as interest rates rise and the risks of these assets classes.

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Investments and Superannuation in the context of Relationship Separation

Sandra is 52 years old and has recently separated from her partner. Sandra owns a house with a mortgage from a previous relationship, and she owns a property with her recent ex-partner, and is looking for guidance in relation to the financial aspects of the separation and how to manage her investments and superannuation.

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Insurance and Wealth Accumulation

Robin and Noa have two young children and are 40 years old. Robin earns close to $90,000 and Noa earns close to $160,000. They have a mortgage and a personal loan, with monthly savings of about $750.

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Financial advice for Blended Families

Weng and Karen are 62 years old and 54 years old respectively and have non-dependent children from previous relationships. They have been divorced.

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Financial Advice for Young Families

Patrick is a devoted father with a young family. He has a solid income and wants his superannuation to work hard for his family’s future. Like many Australians, his superannuation contributions are directed to a fund selected by his employer, which includes basic insurance arrangements. Patrick's scenario is common for people with growing families.

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Wealth Accumulation including Ethical, Sustainable and Governance Investing

Thao is in her late twenties and single. She recently bought an apartment but is renting, and has an interest in wealth accumulation with an ESG theme. Further, one of her friends was in an accident and did not have insurance in place.

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Insurance

Brydon is 37 years old and has been working in the mining industry and contributing to a default superannuation fund offered by his employer. His family circumstances have changed significantly since he started working, in that he has a partner and two children.

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Frequently asked questions

Ethical Sustainable Governance, often referred to as ESG, is an approach to business and investment decision-making that considers environmental, social, and governance factors alongside financial performance. It aims to promote sustainability, ethical behaviour, and responsible corporate practices.

An ESG fund aims to maximise financial returns for investors, while pursuing its ESG investment strategy. A fund may consider ESG risks and opportunities, before including an investment. For example, a fund may consider the risks of climate change and the opportunities of transitioning to renewable energy across its investment strategy.

By supporting sustainable businesses and initiatives, ESG investors can drive positive change and help address global challenges such as climate change, inequality, and poverty.

Challenges associated with ESG investing include lack of standardized ESG metrics and reporting frameworks, leading to inconsistent data and difficulty in comparing companies’ ESG performance, greenwashing or misleading claims by companies regarding their ESG practices, limited availability of ESG investment options across all asset classes and regions, etc.

Our other services

Superannuation Investment and Portfolio Construction

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Superannuation and Wealth Accumulation

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Debt Management

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Pre-Retirement Planning

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