With more than 15 years of experience in prominent advisory roles within leading boutique firms, Ronan has garnered an industry reputation for his impeccable attention to detail and the personalised approach he takes to serving each client.
Over the years, Ronan has developed an acumen for guiding clients through the complexities and considerations surrounding a wide range of areas within the wealth management domain, with particular focus on investments, strategy and superannuation, including self-managed superannuation.
Ronan works closely with a broad range of clients, from families looking to maximise their existing situation to those who are approaching retirement and are seeking to maintain their existing lifestyle after their working life.
I have been an adviser since 2008. I specialised in cash flow projections, portfolio construction and management, portfolio risk management and sequencing risk avoidance in retirement planning. Following my accounting degree, I worked in a mid tier chartered accounting firm on self managed superannuation funds prior to portfolio management.
Yes. There are a number of layers of fees to which you will be obligated to pay. These are inescapable and occur within self directed investors, industry super funds, direct stock ownership, managed funds and alternative investment vehicles. The following table summarises the most common costs incurred by investors:
|Invoice or deducted from investments
|Either ad hoc or charged annually
|Please see how fee table
|Advice fees for the preparation of an investment plan (and ongoing management if selected)
|Charged through relevant platform
|Usually a monthly fee
|% based on the amount invested within the portfolio
|This is akin to a banking fee and is charged for the security, reporting and visibility of your portfolio. It is also the ecosystem through which you access most investments
|Investment Management Fee (Managed Funds, ETFs, Listed investment companies etc)
|Ongoing at the investment level
|They range from as low as 0.10% and up
These fees are deducted from your investment return and are paid to the institution who manage your investments. They are widespread and even used in industry super funds. You receive a net return with the fees being already deducted. For example, if investment XYZ charged you a fee of 0.5% p.a and that year produced you a total return of 12.50% – your return will be 12.00%
Some investments have a performance fee for out performing their objectives which varies and is on top of the monthly fee.
|Separately Managed Accounts (SMA) & Managed Discretionary Accounts (MDA)
|Ongoing at the investment level
|% based & predicated on the portfolio manager and management company.
|These are portfolio fees charged for the ongoing management of your investments. They range depending on complexity, scale and underlying mandate.
|Transaction Costs / Buy Sell Fees
|At the investment level when transacting into and out of an investment
|Once off at the time of each trade.
|Investment dependent and platform / broker dependent
|These costs cover market changes during investment purchase and or the use of brokers for direct stock purchases.
You are entitled to an annual review however we strive to build and develop a collaborative relationship and as such we are available to our clients as and when it is needed – there is no additional cost for this and is part of working to deliver on achieving your goals and objectives.
Depending on your personal preference, you may receive regular
We work with you to provide you with the blueprint on how you will best move forward to achieve your goals and objectives. This is a comprehensive analysis of your current situation which is measured against your risk appetite. Expressed in a full comprehensive statement of advice, we seek to provide you with a cost competitive portfolio, step by step strategic process to follow all through which you can easily administer and implement our recommendations. It is important to note that within this service, we work with you until the implementation stage whereby we hand over the full processes thereafter to you to commence or continue your self direct journey.