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Investment advice
Investment Advice
Most high earners have the money. What they don’t have is a portfolio built around a goal.
I build portfolios for tech execs designed to fund $15K to $25K a month in retirement, then manage them with you every year.
General information only. Not personal advice.
My approach
Core and satellite: two engines that perform differently
Every portfolio I build is split roughly 50/50:
- The core: Vanguard diversified index ETFs. Low cost and broadly diversified. There are five options, from conservative to all growth, matched to your risk profile.
- The satellite: MLC Premium managed accounts. Actively managed by MLC Asset Management, with specialist managers from around the world.
Index and active management tend to shine in different market cycles. Holding both means you’re never relying on one approach.
We use the same split whether the money is in your own name or in super. Read my investment philosophy. I explain the approach in Delta investment philosophy: core and satellite.
Where your money sits
Established platforms, in your name
Your investments sit on established investment platforms run by ASX 200 listed companies: Expand, from Insignia Financial, and Rhythm, powered by HUB24.
You own the investments directly. You can see every holding and every transaction, any time.
How we manage it
Rebalanced, reported and reviewed
- Every 6 months: your portfolio is automatically rebalanced back to its target mix.
- Every 6 months: you get a portfolio update.
- Every year: a full review with me.
We don’t just track performance. We track your net worth and your progress towards your retirement income goal. The focus is always growing your asset base.
The whole picture
RSUs, property, private equity, even crypto
Most of my clients already own more than a portfolio. Company shares. Property. Sometimes private equity or crypto.
We bring all of it into the plan. Even where we don’t manage it, we look at how it helps or hurts your path to retirement income, and give you strategic advice on what to do with it.
Building the portfolio
Where the money comes from
Most portfolios are built from three places:
- RSU proceeds from a planned sell down. Employee share scheme advice
- Home equity through debt recycling
- Surplus cash flow, invested every month
You can still borrow to invest in ETFs, and the interest is still 100% tax deductible. The 2026 Budget changes to negative gearing only apply to established residential property.
Fees
You only pay on what we manage
We charge a portfolio management fee on the portfolios we manage. The bigger the portfolio, the lower the fee.
We don’t charge fees on your existing investments, your RSUs or your property.
Our fee is 100% tax deductible on investments held outside super.
83 LinkedIn recommendations
What clients say on LinkedIn.
Questions
Frequently Asked Questions
Do you pick individual stocks?
No. The core is Vanguard index ETFs, and the active part is run by MLC Asset Management’s specialist managers.
Why use both index and active management?
They tend to perform differently in different market conditions. Holding both smooths the ride and means you’re not relying on one approach.
Which platforms do you use?
Expand, from Insignia Financial, and Rhythm, powered by HUB24. Both are run by ASX 200 listed companies, and you own the investments directly.
How often is my portfolio reviewed?
It’s automatically rebalanced every 6 months, you get an update every 6 months, and we do a full review every year.
Do you charge fees on my RSUs or property?
No. We only charge on the portfolios we manage.
Is your fee tax deductible?
Yes, 100% tax deductible on investments held outside super. Fees on super investments are paid from within your fund.
Do you advise on crypto and private equity?
Yes. We include them in your plan and advise on how they fit your retirement goals.
Invest with a goal
Ready for a portfolio built around your retirement?
15 minutes. No cost, no obligation.
