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Our
Approach.

We listen, measure and create strategies to bring financial confidence to the lives of our clients.

Our Approach.

We listen, measure and create strategies to bring financial confidence to the lives of our clients.

In our experience, balance is hard to find in life and perhaps rarer in finances. Most strategies are far too risky or absurdly conservative. They over emphasise spending today or saving for the future. Peace of mind is hard to achieve.

At Balance Wealth, we listen, measure and create strategies to bring real balance and financial confidence to the lives of our clients.

 

We follow a process with all of our clients to ensure that not only do we start off with a plan that meets your needs, but continue to evolve and update this plan as your life changes around it. 

1. Measure

We ask thoughtful questions to help you formulate a clear philosophy for your money and your life.

Our process starts with helping you develop a personal philosophy to guide your decision-making. Probing questions will help you discern your core values, priorities, motivations, and dreams, revealing a detailed vision of your ideal life. For example, you could identify values like:

  • I'm risk averse
  • Family always comes first
  • I try to give back to the community
  • I want to send my children to university
  • I want to help care for my elderly parents
  • I want to travel more regularly
  • I want to relax more

 This will typically involve 1-2 in depth meetings.

2. Weigh

We weigh up your goals with the lifestyle you want in the meantime. We work with you to establish what might be possible. 

We will look at what options might be available to you and may challenge you on various areas in order to come up with a strategy that will work to achieve as many of your goals as possible. If you have goals that aren’t achievable for whatever reason, we will be honest with you about this, and will work with you to set realistic, achievable goals.

3. Balance

We help you prioritize and implement our recommendations with an action plan.

Using a combination of technology and self-assessment, we will help you develop a Financial Plan based on your unique circumstances and personal philosophy. This plan will optimise your financial wealth while keeping other areas of your life in balance. For example, if your work schedule prevents you from spending enough time with your family or having an active lifestyle, we can help you identify compromises to rebalance your priorities. Integrated into your Financial Plan will be an investment strategy that’s right for you, reflecting your core values and allocating your resources accordingly. We incorporate the latest academic research, market data, outside experts (as required), and other tools to design and implement a holistic plan for achieving the life that you want.

4. Pivot

We work with you to identify where you are flexible, so that as things change over time, we can pivot the plan in order to keep you on track.

Life changes, and almost as soon as your Financial Plan is written, it will become outdated. We work with you to identify where you are flexible (with life and with finances), so that if the unexpected happens, we can pivot and adjust in order to keep you on track.

5. Rebalance

We ensure that your financial life plan both motivates and reassures you.

At least once a year, we will meet with you in order to review your goals, priorities and talk through any changes that might have happened since our last meeting. Your strategy can be realigned to these changes, if necessary, with adjustments being made to reflect new priorities or goals, which will inevitably happen over time.

1. Measure

We ask thoughtful questions to help you formulate a clear philosophy for your money and your life.

Our process starts with helping you develop a personal philosophy to guide your decision-making. Probing questions will help you discern your core values, priorities, motivations, and dreams, revealing a detailed vision of your ideal life. For example, you could identify values like:

  • I'm risk averse
  • Family always comes first
  • I try to give back to the community
  • I want to send my children to university
  • I want to help care for my elderly parents
  • I want to travel more regularly
  • I want to relax more

 This will typically involve 1-2 in depth meetings.

2. Weigh

We weigh up your goals with the lifestyle you want in the meantime. We work with you to establish what might be possible. 

We will look at what options might be available to you and may challenge you on various areas in order to come up with a strategy that will work to achieve as many of your goals as possible. If you have goals that aren’t achievable for whatever reason, we will be honest with you about this, and will work with you to set realistic, achievable goals.

3. Balance

We help you prioritize and implement our recommendations with an action plan.

Using a combination of technology and self-assessment, we will help you develop a Financial Plan based on your unique circumstances and personal philosophy. This plan will optimise your financial wealth while keeping other areas of your life in balance. For example, if your work schedule prevents you from spending enough time with your family or having an active lifestyle, we can help you identify compromises to rebalance your priorities. Integrated into your Financial Plan will be an investment strategy that’s right for you, reflecting your core values and allocating your resources accordingly. We incorporate the latest academic research, market data, outside experts (as required), and other tools to design and implement a holistic plan for achieving the life that you want.

4. Pivot

We work with you to identify where you are flexible, so that as things change over time, we can pivot the plan in order to keep you on track.

Life changes, and almost as soon as your Financial Plan is written, it will become outdated. We work with you to identify where you are flexible (with life and with finances), so that if the unexpected happens, we can pivot and adjust in order to keep you on track.

5. Rebalance

We ensure that your financial life plan both motivates and reassures you.

At least once a year, we will meet with you in order to review your goals, priorities and talk through any changes that might have happened since our last meeting. Your strategy can be realigned to these changes, if necessary, with adjustments being made to reflect new priorities or goals, which will inevitably happen over time.

1. Measure

We ask thoughtful questions to help you formulate a clear philosophy for your money and your life.

Our process starts with helping you develop a personal philosophy to guide your decision-making. Probing questions will help you discern your core values, priorities, motivations, and dreams, revealing a detailed vision of your ideal life. For example, you could identify values like:

  • I’m risk averse
  • Family always comes first
  • I try to give back to the community
  • I want to send my children to university
  • I want to help care for my elderly parents
  • I want to travel more regularly
  • I want to relax more

 This will typically involve 1-2 in depth meetings.

2. Weigh

We weigh up your goals with the lifestyle you want in the meantime. We work with you to establish what might be possible. 

We will look at what options might be available to you and may challenge you on various areas in order to come up with a strategy that will work to achieve as many of your goals as possible. If you have goals that aren’t achievable for whatever reason, we will be honest with you about this, and will work with you to set realistic, achievable goals.

3. Balance

We help you prioritize and implement our recommendations with an action plan.

Using a combination of technology and self-assessment, we will help you develop a Financial Plan based on your unique circumstances and personal philosophy. This plan will optimise your financial wealth while keeping other areas of your life in balance. For example, if your work schedule prevents you from spending enough time with your family or having an active lifestyle, we can help you identify compromises to rebalance your priorities. Integrated into your Financial Plan will be an investment strategy that’s right for you, reflecting your core values and allocating your resources accordingly. We incorporate the latest academic research, market data, outside experts (as required), and other tools to design and implement a holistic plan for achieving the life that you want.

4. Pivot

We work with you to identify where you are flexible, so that as things change over time, we can pivot the plan in order to keep you on track.

Life changes, and almost as soon as your Financial Plan is written, it will become outdated. We work with you to identify where you are flexible (with life and with finances), so that if the unexpected happens, we can pivot and adjust in order to keep you on track.

5. Rebalance

We ensure that your financial life plan both motivates and reassures you.

At least once a year, we will meet with you in order to review your goals, priorities and talk through any changes that might have happened since our last meeting. Your strategy can be realigned to these changes, if necessary, with adjustments being made to reflect new priorities or goals, which will inevitably happen over time.

Our Investment Philosophy

We leverage decades of academic and Nobel Prize-winning research. We design and implement investment strategies rooted in discipline, with a focus on tax efficiency, reducing costs, and managing risk.

Understand Markets & Their Risks

At Balance Wealth, we believe that the prices of securities are set fairly by the free market. The amount of money you invest in a security is directly linked to the return you can expect to receive. However, even within a class of similar investments, there can be differences in risk and worthiness. To ensure that you are compensated fairly for taking risks, we conduct thorough research by reviewing peer-reviewed studies, market observations, and tested theories. Based on your preferred risk level, we will recommend a portfolio that efficiently captures market premiums.

Structure Determines Performance

Your ability, willingness, and need to tolerate risk is a major consideration when deciding how to allocate your money between asset classes. Balance Wealth will efficiently structure an allocation of your capital into certain asset classes, which research suggests is far more likely to boost portfolio performance than the selection of any particular securities or market timing.

Worldwide Diversification Reduces Risk (Stay Balanced)

Balance Wealth always recommends diversification. A globally diversified, balanced portfolio containing thousands of underlying securities reduces the risks associated with individual countries, currencies, markets, sectors, and issuers. We also help mitigate risk by diversifying among asset classes having a low correlation to one another. We do this by recommending both Stocks and Bonds, both NZ and International Stocks, both Small and Large Stocks, both Value and Growth Stocks, but tilt towards areas that based on evidence, will outperform over the long term.

Take a Disciplined, Long-Term Approach

Financial decisions can have an emotional component, so even sophisticated investors should arm themselves with a long-term perspective and a disciplined approach. Abandoning a planned investment strategy can be costly, and our research indicates that some of the most significant derailers are behavioural: particularly the failure to re-balance, the allure of market-timing, and the temptation to chase performance.