ICT Wealth is a boutique financial planning firm.
We are fully licensed and regulated, which means that you benefit from the strong consumer protections introduced by the government in recent years. David Scott our principal adviser (pictured) is a Certified Financial Planner, a designation held by only the highest qualified financial planners.
David also holds a Bachelor of Science, Master of Business, Advanced Diploma in Financial Services, and is a Justice of the Peace.
ICT Wealth is not owned or controlled by any bank, insurance company or fund manager. We can seek out the most appropriate solution for you, without fear or favour.
Our areas of expertise include:
- Growth oriented investments
- Tax minimisation
- Income protection & life insurance
- Superannuation (including SMSF)
- Retirement planning
We can focus on any of these areas individually if you wish, or provide you with an integrated financial plan combining all areas of relevance to your situation and requirements.
Who are your typical clients?
Most of our clients are white collar professionals working in IT.
Unlike many financial planners we don’t focus on people who have a large sum of “investable assets”. The most valuable asset our typical clients have is their education and career. Our expertise helps them to leverage that hard earned career success into greater financial freedom and security.
What is your engagement process?
Step 1 – An introductory discussion to understand your requirements and preferences, and provide a high level indication of potential solutions & pricing
Step 2 – Gather all the relevant details about your personal situation and finances
Step 3 – Design a draft solution for your feedback and refinement
Step 4 – Prepare a detailed recommendation and action plan for you
Step 5 – Help you implement that action plan
How much do you charge?
Most of our client engagements fall in the range of $1,100 – $6,600. The exact price depends on scope and complexity of your requirements. Our initial meeting is at no charge to you, after which we provide a fixed price quote for our services. Most clients quickly see a financial benefit far greater than the cost of our service due to a combination of improved investments, reduced interest charges, tax savings, and reduced product costs.
We do not charge any additional adviser fees based on a % of your assets.
If you are just acquiring a mortgage or insurance product where the provider pays us directly, then we do not charge you anything.
Do you provide ongoing service?
Absolutely. Your personal and financial circumstances will change over time, as will the economic and legislative environment, and financial products. It is important that your financial arrangements stay up to date with these changes. Our ongoing service generally involves a review once per year, regular information updates on financial planning topics, availability to answer your questions where needed between meetings, plus proactive contact from us if something significant happens requiring your attention.
Which financial products do you recommend to clients?
Our recommendations are drawn from a wide range of products and structures including direct shares, boutique managed funds, index funds, bonds, low cost super, SMSFs, wrap accounts, and trusts.
Not being owned or controlled by a product company means we are not limited to any particular brand or style, although obviously we have our preferences based on what works best for different client situations.
We blend investment and superannuation portfolios ourselves, based on expert independent research, our own internal research, and individual client needs.
How is my privacy protected?
What are your qualifications and licensing arrangements?
ICT Wealth Pty Ltd is a Corporate Authorised Representative (No. 340142) of Capstone Financial Planning Pty Ltd. ABN 24 093 733 969. AFSL / ACL No. 223135.
What does the “ICT” stand for in “ICT Wealth”?
Our name reflects the original focus we had on people who work in information & communications technology (ICT). ICT Wealth started out providing financial planning services for an ICT industry association. Although we have broadened our scope over time, most of our clients still work in ICT and we have a great understanding of the job roles, employment models, and typical financial arrangements of people in that sector.
Where are you located?
We have offices in Sydney and Melbourne CBDs. We are also happy to make mobile visits within 5km of our office if you can arrange a quiet, private meeting place where you work.
How do I arrange an introductory discussion?
Just send us a message and we’ll be in touch with you shortly.