Advice and assistance

APT Strategy is not owned or controlled by any bank, insurance company, investment manager, or any other financial product manufacturer. That is, APT Strategy is not a product distribution channel for a parent company. Furthermore, APT Strategy does not have any in-house products.

In short, APT Strategy is not in the business of selling products … it is in the business of providing advice and assistance.

Legislation restricts the use of words such as “independent”, “impartial” or “unbiased” when describing our services, but what can be said is that:

APT Strategy does not have the same conflicts of interest as product distribution channels … our advice is not simply a sales spiel to sell a product … one less thing for you to worry about.

APT Strategy is a small company that tailors its services to meet the individual needs of each client. The types of services provided include, but are not limited to the following:

Financial planning This is the process of:

  • reviewing your circumstances,
  • identifying what outcome you want to achieve, and
  • preparing a written plan to help you reach your goals.
Second opinion If you are less than 100% comfortable with your current advice or investment strategy, you owe it to yourself to let APT Strategy give you a second opinion.

  • If you are already on the right track the money and time you spend obtaining a second opinion will be rewarded with peace of mind.
  • If you are on the wrong track our opinion could save you from serious financial loss.
Investment advice
  • General advice such as: explaining the pros and cons of the various investment strategies, asset classes, types of investments, and criteria that can be used to select specific investments.
  • Personal advice such as: assessing whether your current portfolio is appropriate, and recommending specific investments.
Estate planning This involves putting in place documents that give you power even when you no longer have the capacity to make decisions for yourself and which may prevent family squabbles and reduce tax. Documents such as:

  • Your will
  • Power of Attorney
  • Enduring Power of Attorney
  • Enduring Power of Guardianship
  • Buy/sell Agreement
Ongoing assistance Our clients never need to feel alone. We can help with:

  • implementing your plan
  • reviewing your progress
  • fine tuning your plan
  • answering your questions that arise as a result of news reports, advertising, correspondence, etc.
  • redeeming investments
  • checking to see if Centrelink payments are correct
  • liaising with third parties such as fund managers, Centrelink and Department of Veterans Affairs (DVA)
  • any other concerns you may have
Risk management This includes reviewing the risks to which you are exposed and examining the opportunities to manage these risks through:

  • buying insurance
  • restructuring your affairs
Forecasting There are many questions we can help you address.

  • How much money do you need to save?
  • When can you afford to retire?
  • How much can you afford to spend?
  • How much should you expect to get from Centrelink?
  • How long will your money last?
Other services
  • explaining matters such as fees charged by Aged Care Facilities, and benefits provided by Centrelink and Department of Veterans Affairs (DVA)
  • helping you to prepare a budget
  • examining specific investments that you may be considering
  • taking the extra step to find answers to difficult questions
  • assisting with other matters of concern

We also recognize the limitations of our expertise and we do not offer the following services, but can refer you to specialists who do.

  • Preparation of wills or other legal documents
  • Preparation of tax returns
  • Provision of tax advice
  • Arrangement of loans or mortgages
  • Sale of insurance
APT Strategy Pty Ltd, 11 Layton St, Fulham SA 5024 - ABN 81 058 368 362 - AFS Licence 226898