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Invest Blue is passionate about helping people reach their goals and dreams by providing quality, tailored financial advice.

Our Process

At Invest Blue, we are passionate about helping people realise their goals and dreams so that they can live their best possible life. In some instances, there is an immediate need that has to be addressed in a tight time frame, for example, the purchase of a house. For most, however, to truly build a financial plan that delivers on your best life, our approach is holistic and takes some time.

So how does it all work?

Download Our Process as a PDF

The meeting rhythm:

Each time we get together we will work through 5 key areas:

1. What is important to you?

2. Your details

3. How we can help

4. Next steps

5. Summary and actions

Depending on where you are at in the journey, one or two of these steps will be emphasised, but we always go through this agenda. The main reason for this is to ensure we are always focused on the things that are most important to you. If we are going to help you live YOUR best life, we always need to start here.

As a new client, there are a series of meeting steps we go through to develop your financial plans. This includes:

1. Understand: getting to know each other and understanding what is most important to you

2. Challenge: challenging you to live your best possible life

3. Empower: showing you how your best life is possible

4. Support: providing the support you need to confidently get on with your financial plans

Our existing clients meet with their adviser formally, generally once a year. If your situation is more complex or you are going through a change of situation, you may meet more than that. These meetings are called Progress meetings because we want to ensure you are living your best possible life and progressing towards your goals and dreams.

process - progress image

Progress Meetings – How often will we meet?

Once we’ve worked with you to understand your dreams and goals, and the ways in which we can support you to meet your objectives, we will provide you with our recommendation as to how frequently we should meet to track the progression of your goals and adjust for changes as they arise.

The complexity of your situation and your desire to meet to discuss your financial goals will be factored in determining how often we come together to undertake a formal review.  Generally, we like to meet with you at least once per year.

Fees – What will I be charged for financial advice?

Initial set up fees

When you first meet with an adviser, there are upfront fees charged to do the initial work and get your financial plans built and implemented.

These fees range from $3,000 to $10,000.
  • There is no cost for our first meeting.
  • Generally, there is a $500 fee for the second meeting when research is undertaken, and that fee will be deducted from your total upfront fee. These are separate to the fee schedule below.

Ongoing annual strategic advice fee

As an ongoing client, there is a base amount we charge to cover working with a Financial Adviser or Advisers and the broader team that supports them.

This price ranges from $1,200 to $6,600 per year.

We have three ongoing support packages based on complexity. These packages are not selected by you – they will be determined by your situation and preferences.

There are options to the way you pay, whether it is in a lump sum or monthly payment, and from where the fees come from, for example, cash or through your superannuation platform.

Our packages are as follows:

Access

Enhance

Elevate

Exceed

This is a portfolio review service only, and is for clients who have less than $150,000 to invest, and are not seeking a review on their situation outside of their risk profile and investment portfolio. It is reserved for clients who are in the Cornerstone SMA. The portfolio review is delivered by an Associate Planner or Salaried Planner and is conducted over the phone/video conference once per year. This is an entry-level package that suits clients who have relatively simple financial affairs and less than $500,000 to invest. Often our families in this package are just starting out on their financial journey or are later in their retirement years. This package includes one formal annual review with an adviser per year. The elevate package is our standard package that suits the majority of the families that we work with. The client may have a slightly more complex financial situation, multiple goals and a combined wealth of more than $500,000 to be managed. This package includes one formal annual review with an adviser per year. The exceed package is applicable to families that we work with who have multiple entities including Self Managed Superannuation Funds,  it includes one formal annual review with an adviser per year.
This package is compulsory for all SMSF / Trust / Corporate clients.
Your Adviser will recommend the most suitable ongoing package for you based on the complexity of your situation and the amount of support you require.

Wealth Management Fee

Additionally, if you undertake one of our active Wealth Management solutions, you will be charged a fee based on the amount you have invested. This means that when you undertake an active Wealth Management solution with us, we also charge a percentage-based fee that is applied to the balance of your investment. The more you have invested, the lower the percentage applied; these fees range from 0.80% to 0.65%.

Our range of portfolio solutions are designed to meet the unique needs of our clients.

Foundation: Passive or Active

Dynamic

Bespoke

Where the client wants a financial adviser to review their financial situation and help plan for their future but seeks a Wealth Management solution utilising a set and forget Strategic Asset Allocation approach, managed in a single fund, that can be either Passive or Active.

This can include assets held outside of Invest Blue controlled/managed platforms.

Cost is a primary focus and/or the client does not see the benefit of having an Adviser actively involved in coordinating the management of their portfolio. It would also suit those who do not philosophically believe or don’t accept that Additional Risk and Return benefits over and above the market can be achieved via an Active, Tactical or Dynamic Approach.

 

Where someone wants to work with a financial adviser to review their financial situation and help plan for their future and our Wealth Management solution suits their needs.

This suits clients who can see the benefits outlined in our Wealth Management eBook around transparency, high-quality research, a more defined approach to risk and return, would like to take a Tactical and Dynamic approach to Asset Allocation, managed by a 3rd party Investment manager to enhance efficiency, monitored by an adviser.

 

A client who wants you to review their financial situation and help plan for their future, and build a Wealth Management solution in a bespoke fashion, tailored only to them. Cost is not a primary consideration

They are interested in some or all of the benefits outlined in our Wealth Management eBook and would like to define the elements they are interested in with you and then engage you to work with a research specialist to create a highly tailored and bespoke portfolio for them.

Because this requires bespoke research and support, the annual fee is significantly higher and would typically suit a more sophisticated investor.

 

Before work commences, you will be told what fees we will apply to your situation and quoted in dollar terms. Each year we will review and discuss with you your support needs, determine appropriate fees and provide you with a quote in your Annual Advice Agreement.

Your ‘package’ is determined by the complexity of your situation, the amount you have invested & how often you want to meet your adviser.
Your ‘portfolio solution’ is determined by the level of investment advice you want to participate in.

Our Offering & Pricing Guidelines

Exceed

Elevate

Enhance

Access

Minimum Package Fee (excl. GST) $4,800.00 $3,600.00 $2,400.00 $900.00
Annual Package Fee (excl. GST) $4,800.00 $2,400.00 $1,200.00
Restrictions None Portfolio > $500,000 Portfolio < $500,000 Portfolio < $150,000
No SMSF / Entity clients No SMSF / Entity Clients Associate Adviser Only
No Bespoke Wealth Management Dynamic Cornerstone SMA Only
No Annual Advice Review
Portfolio Management Fee < $1.5M (excl. GST) 0.50% 0.60% 0.75% 0.90%
Portfolio Management Fee > $1.5M (excl. GST) 0.25% 0.25% N/A N/A

Add-ons

Extra Meetings $1,200 $1,200 $1,200 $1,200
Bespoke Wealth Management Offering $1,000 $1,000 $1,000 $1,000
Complex SMSF $1,200 N/A N/A N/A

Offsets

Insurance -$300 -$300 -$300 -$300
Lending -$300 -$300 -$300 -$300