Ground Floor 145 South Terrace,
Adelaide SA 5000
08 8268 5160
office@sawealthgroup.com.au
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Our Process

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Our Process
Step 1
Discovery Call
Let's have a quick chat to see how we can work together to help you achieve your goals.
Step 1
Step 2
Gather Data
We gather data about all aspects of your financial situation so we take a comprehensive look at your life and finances.
Step 2
Step 3
Financial Plan
We create a personalised financial plan that will serve as a roadmap towards your goals. Including;
  • Asset Allocation
  • Investment Manager selection
Step 3
Step 4
Implementation
We set your financial plan in action by implementing all your personalised strategies.
Step 4
Step 5
Support
There is no 'set and forget it' here. We stay in touch and review your plan based on major life changes or market factors.
Step 5

Asset Allocation

The decision on how to allocate funds across Asset Classes (ie fixed interest, property and businesses) is the most important decision in the process as this has the most material impact on the performance of the portfolio. A study completed by Ibbotson and Kaplan (2000) concluded that Asset Allocation policy accounted for about 90% of the variability in returns across a universe of Balanced Mutual and Pension funds over time.
With the above in mind, SA Wealth Management dedicates a lot of time to determining the right mix of Assets Classes for clients. A number of factors are examined including a combination of aspirational measures (eg financial goals of the client) and attitudinal measures (eg attitude to price movements) to determine the appropriate mix.
Determining the appropriate mix of Assets Classes is termed ‘Asset Allocation’. This process starts with defining each of the Asset Classes to create a set of portfolio building blocks necessary in assembling client portfolios. SA Wealth Management defines these Asset Classes as:
  • Cash
  • Fixed Interest/Bonds
  • Property – Listed Real Estate Trusts
  • Australian Equities – Direct and managed
  • International Equities
  • Alternative Assets
The intent of SA Wealth Management is to stay true to the Strategic Allocation over time with a tolerance for Asset Class ‘drift’ of +/- 10%. This said, SA Wealth Management may apply a ‘Tactical Overlay’ that may see a deliberate tilt to a particular style/market depending on prevailing Macro-economic conditions/themes.
Overseas Currency is managed through having both an allocation to hedged and unhedged assets, which in turn provides two different sources of return.

Investment Manager Selection And Blending

Once the Asset Allocation has been determined, it is then a matter of appointing an appropriate panel of specialist Investment Managers to run the process of stock and security selection. True to SA Wealth Managements philosophy of diversification, a number of specialist Investment Managers are employed across and within the Asset Classes.
The selection of the Investment Managers starts with an ‘Approved List of Investments’ that is generated and researched by the Licensee. This list is then filtered down further with the help of research partners and a number of Investment/Portfolio Managers directly.
Each Investment Manager selected is subjected to thorough and rigorous investigation and research. The following factors are considered:
  • Benchmark unaware – truly ‘active’ funds management
  • Tax aware – managers understand the consequences of reckless turnover
  • Robust research process
  • Investment experience and track record
  • Ownership – Both institutional and boutique managers are employed
  • Once the appropriate panel of Investment Managers is determined, sophisticated software developed by Morningstar is used to determine the optimum blend in terms of weightings to each of the underlying managers.

Implementation​

You and your adviser will then agree on how the recommendations and responsibilities will be carried out. With a dedicated implementation team, we are likely to carry out the recommendations and administer any strategies to be implemented to alleviate any administration burden. You will be kept updated as to the progress of the implementation stage.

Review

SA Wealth Managements approach to managing client’s money is an interactive process. In addition to constant monitoring of incumbent managers, SA Wealth Management also has an Investment Committee that meets once a month to discuss both the role of incumbent and potential Investment Managers (‘the reserve bench’) in the Model portfolios. The committee also draws on research provided by research partners to determine if macro-economic themes warrant tactical responses to the range of Model Portfolios. This approach allows us to take a structured, disciplined and consistent approach to building client portfolios and to maximise in-house and external experience and knowledge for the benefit of all our clients.
Get in Touch
Call 08 8268 5160
Our Location

Ground Floor 145 South Terrace,
Adelaide SA 5000
Mailing Address

PO Box 6268
Halifax Street SA 5000
Operating Hours

Mon - Fri: 9am - 5pm
Sat - Sun: Closed
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We acknowledge the Traditional Owners of Country throughout Australia. We pay our respects to Elders past and present.

SA Wealth Management Pty Ltd ACN 149 628 222 ATF Katranis Family Trust ABN 29 809 576 590 trading as SA Wealth Management is a Corporate Authorised Representative (No. 000402699) of SA Wealth Solutions Pty Ltd ABN 72 634 162 422 AFSL 525627.

SA Financial Services Pty Ltd ACN 606 737 553 atf SA Wealth Group Trust ABN 42 702 741 790 t/as SA Financial Services is a credit representative of Buyers Choice Licencing Pty Ltd, ACN 626 172 281 with Australian Credit Licence 509484.

SA Wealth Property Services Pty Ltd ACN 656 180 782 as trustee for SA Wealth Property Trust ABN 21 688 258 815, RLA 316149 is responsible for Real Estate services (Residential and Commercial) under the SA Wealth Group.

SA Tax and Accounting Services Pty Ltd ACN 629 612 648 atf SA Tax and Accounting Trust ABN 45 967 852 423, is responsible for taxation and accounting services under the SA Wealth Group.

The SA Wealth Group business name is owned by Katranis Family Trust ABN 29 809 576 590 and is used by SA Financial Services Pty Ltd ACN 606 737 553 atf SA Wealth Group Trust ABN 42 702 741 790 t/as SA Financial Services which has its liability limited under Australian Credit License Number 484 674. Both companies trade under the business name of SA Wealth Group, SA Wealth Management Pty Ltd is responsible for providing financial planning services and SA Financial Services Pty Ltd is responsible for providing credit advice.

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