Our approach to financial planning
Our advisors have a passion for finance - they simply love what they do. They enjoy the challenges that each client brings and seek to share their expertise, knowledge and experience with their clients.
A structured approach
Quantum is much more than simply what our people do. The way we do it is equally as important. Our advisors adopt a structured, consistent approach utilising the skills, knowledge and experience they hold.
Profiles of our Senior Principal Advisors
- Bill Mackay CFP®, BCom (NSW), MEc (Syd), BTh (Rome), Adv. Dip FS (FP)
- Tim Mackay CFP®, BEc (Hons, Syd.), MBA (LBS), CA - Financial Planning Specialist, Adv. Dip FS (FP)
- Claire Mackay CFP®, BCom (Macq.), LLB (Macq.), LLM (Syd.) CA - Financial Planning Specialist, Adv. Dip FS (FP)
Research driven
Our proprietary and sourced research is key to our performance. We believe much industry research that is available for a fee is fundamentally conflicted and so we harness our own internal research capabilities. Additionally, we draw upon industry leading, quality research from firms such as Goldman Sachs, Citibank, Morningstar, Macquarie Bank, S&P, the RBA and the World Bank and McKinsey & Co; from publications such as The Economist, the Australian Financial Review, the Financial Times (UK) and the Wall Street Journal (USA); and from leading financial institutions such as London Business School, Harvard Business School and Columbia Business School.
Relationships are key to everything we do
Our people believe it's not all about profit. Finance is our passion and we enjoy working hand in hand with our clients to reach their goals. Strong, lifelong relationships are at the very heart of Quantum.
What sort of Advisor will you get?
According to Money Management, the top 10 financial planning firms have an approximate client to advisor ratio of 320 to 1. Could you develop and sustain a deep personal relationship with 320 individual people? Typically this means an advisor will focus his/her time and effort on their 'top' clients (ie the wealthiest, most profitable ones) and delegate the work of other clients to assistants or para-planners. You should ask "If I am not the wealthiest client, is this what I really expect to pay for?". To pay a trainee planner who is learning on the job as they prepare your advice? Our guess is probably not. Ask your advisor the following questions: "Do your use para-planners or assistants on my advice?" and "How many clients do you have?".
You should learn and understand
Our advisors would rather work in partnership with you as a client rather than you not fully understanding the advice provided or the issues involved. We have a plain English policy that breaks down the financial jargon and ensures you always can stay on top of your own finances and we also seek to educate our clients as the relationship progresses over time.
6 step process
At Quantum we follow a highly structured, 6 step approach to help you protect and build your financial wealth.
1. We gather your financial data
A Quantum financial advisor will work with you to gather a detailed picture of your individual financial situation.
2. Working with you, we determine your objectives
Your Quantum financial advisor will employ a suite of tools to help you understand your unique financial needs.
3. We identify your main issues (both opportunities and threats)
We will work with you to determine the deficiencies between where you are now financially and where you want to be. You may be asking yourself questions such as:
- How much and how can I save for the lifestyle I seek in the future?
- How and where should I invest the savings I have?
- How can I minimise my tax bill?
- When can I afford to retire?
- What kind of lifestyle do I want in my retirement and can I afford it?
- Will my money last as long as I need it to, for my family and me?
- Am I eligible for any government entitlements or the health benefits?
- How do I make sure I am staying on track financially?
4. We prepare your financial plan
A Quantum financial advisor can work with you to best allocate your assets which will assist you develop an appropriate strategy designed to help you achieve your financial goals.
5. We help you implement your strategy
Finding the optimal mix of products and services to best meet your needs takes professional advice and guidance, the kind you'll receive from your Quantum financial advisor. Investing according to your strategy is key to your financial future.
6. We regularly review and revise your plan
Markets change. Life changes. Your Quantum financial advisor will help if you need to reset or modify your strategy and objectives. Our advisors can analyse your changed position, balances and asset allocation to help ensure you're still on track and positioned for success.
Request an appointment
For an obligation free meeting with an experienced Quantum Wealth Advisor, call today on (02) 9440 8084 or email us.