+64 4 471 0662 
PORTFOLIO SECOND OPINION
With the turmoil in investment markets over the last year you may be wondering if you are in the right investments. We provide a second opinion investment service.
You may just want a second opinion to check that your investments do suit your needs. With so many options to choose from, how can you know you're getting the return on your investments you should? Are you paying too much in fees? Are you exposed to too much risk? Will you have the income you need for the retirement lifestyle you want?
We will review your investment portfolio and provide you with a written report commenting on its suitability to meeting the following key areas:
| Your Goals | Do your investments meet your: - immediate, short, medium and long term goals? - your income needs? |
| Risk/Return Profile | Do your investments match your investment risk/return profile? Do you know what your investment risk/return profile is? When did you last review this? |
| Asset Allocation | Around 70% of the return of a diversified portfolio comes just from the right balance in the asset classes of cash, fixed interest, property, shares, managed futures. Do you have the correct asset allocation for your age and risk profile? |
| Diversification | Are your investments suitably diversified across asset classes and markets, or are they concentrated in only one area such as finance companies, or bond investments? |
| Actual Funds Used | We will provide independent reports from Morningstar research (where available) on your underlying managed funds and from Aspect Huntley for your New Zealand and Australian shares. We will give you our recommendations on investments that you may want to get out of. |
| Investment Platform Used | Investments can be held directly, or through Master Trusts, or Wrap platforms. We will make a comment on whether this is the optimum way of ownership for your situation. |
| Costs | Do you really know how much you are paying in adviser fees, platform fees and fund manager fees? |
As this is an independent service we need to charge for this, cost $250 plus GST.
NOTE: This fee is tax deductible to the investor
ACTION REQUIRED:
Please email Richard Renfrew PhD, CFP at Click here to email us for our investment review service and we will email or post to you the initial documentation to be completed.