At Money Path, we are a trusted financial advice firm with deep expertise and a long-standing presence in the financial services industry. We specialise in delivering expert investment advice Adelaide clients rely on for clear, disciplined, and evidence-based financial guidance. Our approach focuses on building long-term, sustainable investment strategies tailored to real people, real goals, and real lives—not chasing short-term market trends or reacting to headlines. We also leverage digital technology to enhance the delivery of our financial advice and support, making it easier for clients to access guidance and resources online.
As a boutique financial planner based in Adelaide, we integrate investment strategies with superannuation advice and retirement planning to provide comprehensive financial services. Our experienced financial advisers are dedicated to advising clients on a wide range of financial matters, including investments, insurance, estate planning, budgeting, and debt management. We cover a broad range of specialty areas including investment advice, superannuation management, family financial planning, and estate planning, ensuring you receive tailored financial advice across all aspects of your financial situation.
The best way to see what a financial adviser offers is to read their Financial Services Guide (FSG). Financial advisers don’t usually charge you for the first meeting, and reputable advisors typically offer an initial consultation for free or at a reduced rate. A good adviser will get to know you, keep you informed, and help you achieve your goals. If you have any questions or would like to discuss your financial needs, please contact our team—we are always happy to talk, provide clear answers, and support you every step of the way.
Our Investment Philosophy
Our investment philosophy is grounded in simplicity, evidence, and repeatability, guided by five core principles:
Passive investing
Low-cost implementation
Broad diversification
Long-term discipline
Ongoing advice and service
Financial planning helps individuals understand where they are today and define what they want to achieve. Setting clear long term goals is a crucial part of this process, ensuring that our investment strategies are tailored to support your wealth accumulation, retirement preparation, and future financial security.
With deep expertise in financial planning, we develop investment strategies aligned with your unique circumstances and long-term financial goals. These principles form the foundation of every financial plan we create and every recommendation we make.
Passive, Evidence-Based Investing
We believe markets are generally efficient over the long term. Rather than trying to time the market or pick individual shares, we advocate passive investment strategies designed to capture market returns across a broad range of asset classes. Supported by decades of academic research and practical experience, this approach helps investors achieve reliable outcomes through diversification and disciplined behaviour.
It is important to understand all investments carry market risk and fluctuations, which impact returns over time. For example, money held in an account-based pension is subject to investment market risk and does not guarantee returns; this risk similarly affects superannuation investments.
Passive investing means focusing on controllable factors such as asset allocation and cost management, rather than speculation.
Low Costs Matter More Than Most People Realise
One of the strongest predictors of long-term investment success is managing costs. At Money Path, we prioritise:
Low-cost investment vehicles like ETFs and index funds
Transparent fee structures with no hidden or layered fees
Avoidance of unnecessary charges that erode returns
By keeping costs low, we increase the likelihood of achieving your financial goals, especially when combined with disciplined investment behaviour and appropriate asset allocation.
Diversification as the Foundation of Risk Management
Diversification is central to our investment advice. We build portfolios that spread risk across:
Australian and international markets
Growth and defensive asset classes
Various industries and sectors beyond financial services
This broad diversification reduces reliance on any single investment or market outcome, helping manage volatility and smooth returns over time. This is particularly important for Adelaide investors who may already have concentrated exposure to property, Australian shares, or employer-related assets.
Superannuation investments can also be diversified across cash, shares, property, and bonds, enhancing risk management.
Advice Is About Behaviour, Not Just Investments
Many investors underperform due to emotional decisions during market volatility rather than poor investment choices. Our role as financial advisers is to:
Provide personal financial advice and context during market stress
Help clients avoid panic-driven decisions
Reinforce long-term investment strategies
Adjust portfolios only when your financial situation or objectives change
This behavioural guidance is one of the most valuable aspects of professional investment advice, helping you stay focused on your financial future.
Protecting Your Assets
Protecting your assets is a fundamental part of comprehensive financial planning. At Money Path, our financial planners understand that your wealth represents years of hard work and careful decision-making. That’s why we offer tailored advice to help you safeguard your assets against unexpected events and future uncertainties.
Our approach begins with a thorough assessment of your financial situation and objectives. We then create a personalised plan that considers a range of investment options, insurance solutions, and risk management strategies. By exploring appropriate risk options—such as life, income protection, and total and permanent disability insurance—we help you mitigate potential losses and ensure your family’s financial security.
Succession planning is another key element of asset protection. We guide you through the process of structuring your estate to ensure your wealth is transferred smoothly and according to your wishes. Whether you’re planning for the next generation or protecting your assets from unforeseen circumstances, our authorised representatives in South Australia provide expert guidance every step of the way.
With Money Path, you can move forward with confidence, knowing your assets are protected and your financial plan is designed to achieve your long-term objectives. Our goal is to give you peace of mind, so you can focus on what matters most—your family, your future, and your financial success.
Our Investment Advice Process
While every client’s situation is unique, our investment advice process follows a clear, structured approach designed to deliver personalised and effective financial services tailored to your current life stage. Monitoring and administration are essential components of effective wealth management, ensuring your investments remain aligned with your goals. Clear guidance throughout the process helps you make informed decisions that support your long-term financial security.
Step 1: Understanding Your Financial Position
We start by gaining a thorough understanding of your financial position, including:
Income, expenses, and cash flow
Existing investments and superannuation accounts
Savings capacity and financial commitments
Life insurance considerations
Short- and long-term financial goals
Reviewing insurance coverage to ensure adequate wealth protection
Budgeting is a foundational element in understanding and managing your finances. Creating budget and savings plans is essential for managing finances effectively, while debt management strategies are important for financial stability and planning.
For property investments, we use tools like CoreLogic or SQM Research to monitor suburb vacancy rates and median price trends.
Investment advice is always integrated within your broader financial plan to be effective.
Step 2: Clarifying Objectives, Timeframes, and Risk
We work closely with you to define:
The purpose of your investment strategy
When funds may be needed based on your time horizon
Your comfort level with risk and market volatility
Tax, structural, or lifestyle considerations
How you will pay for advice and make contributions to superannuation or investment accounts
This process helps you make informed financial decisions that support your long-term stability and goals. This ensures your investment strategy is practical and aligned with your personal priorities and financial goals.
Step 3: Portfolio Design and Asset Allocation
Asset allocation is the most critical decision in any investment strategy. We design portfolios that are:
Aligned with your risk profile and financial objectives
Appropriate for your investment time horizon
Implemented using low-cost, diversified investment options
Adelaide’s property market has shown strong capital growth recently, and we encourage research into areas with good amenity access and development plans for potential growth.
Our focus is on portfolios that can be held confidently through different market conditions without frequent trading.
Step 4: Implementation and Administration
After you accept our advice, we assist with:
Implementing the recommended portfolio across suitable platforms
Coordinating with investment providers and superannuation funds
Ensuring investments are held efficiently and cost-effectively
Managing all necessary paperwork and administrative tasks
We aim to make the process straightforward and minimise administrative burden.
Ongoing Investment Management and Advice
Investment advice is an ongoing service. We provide continuous support to ensure your portfolio remains aligned with your evolving financial goals, including monitoring your pension account to meet retirement objectives.
Portfolio Monitoring and Rebalancing
We regularly:
Track asset allocation drift and rebalance when needed
Assess investment suitability
Monitor interest components within superannuation and pension accounts
Avoid frequent trading or reacting to market noise
This disciplined approach maintains your portfolio’s risk profile and strategy over time.
Regular Reviews and Strategic Adjustments
Regular reviews allow us to reassess:
Your financial goals and objectives
Risk tolerance and investment preferences
Cash flow and income needs
Life changes such as retirement, inheritance, or business sale
Succession planning and estate management
These reviews are crucial as you approach retirement or begin drawing income from investments and superannuation.
Support During Market Volatility
During market volatility, we help you:
Understand market movements and implications
Avoid costly behavioural mistakes driven by fear
Stay focused on your long-term plan
Our expert advice helps maintain confidence through market cycles.
Integrating Investment Advice with Superannuation and Retirement Planning
At Money Path, we understand that investment advice Adelaide clients need is closely linked with superannuation and retirement planning. Many clients come to us unsure whether retirement is achievable, but through careful planning, they often discover they are closer to retirement than they initially believed. Retirement planning helps individuals and couples gain clarity and confidence as they prepare for retirement. We assist clients in:
Aligning personal investments with superannuation strategies
Managing investment risk as retirement approaches
Structuring assets for tax efficiency and sustainable income
Transitioning from accumulation to retirement income streams, including account-based pensions
Maximising superannuation income stream benefits through personal advice
An account-based pension offers regular, flexible, and tax-effective income from your superannuation savings in retirement.
Account-Based Pension and Retirement Income Solutions
An account-based pension converts your superannuation savings into a regular income stream tailored to your lifestyle and financial needs. It provides consistent pension payments with flexibility to access lump sums for unexpected expenses.
Effective retirement income planning should also include debt management, as reducing or eliminating debt can help secure your financial future and maximise your retirement income. Choosing the right strategy requires careful consideration of your risk tolerance, investment goals, debt management, and retirement planning objectives. Preparing for retirement should be an exciting time, not one filled with uncertainty or stress. Personal financial advice ensures your investment advice is tailored to your unique circumstances, optimising income and managing risk.
Pension Payments and Lump Sum Withdrawals
You can set pension payments monthly, quarterly, or annually to manage expenses and lifestyle in retirement. Lump sum withdrawals are also available for larger purchases or emergencies.
Understanding tax implications of payments and withdrawals helps maximise retirement income. Consulting a financial adviser ensures decisions are informed and tax-efficient.
Minimum Amount Requirements for Retirement Accounts
Government regulations require minimum annual withdrawals from account-based pensions, increasing with age (e.g., 5% for ages 65-74).
Meeting these requirements is essential for compliance and retirement income planning. Expert advice helps optimise pension payments and ensures your strategy remains on track.
Record Keeping and Compliance
Accurate record keeping is vital for managing account-based pensions and SMSFs, including tracking payments, balances, withdrawals, and compliance with minimum requirements.
Working with a licensed financial adviser or authorised representative ensures you meet compliance obligations confidently.
Tax Implications of Investment Strategies
Different assets have varying tax treatments affecting retirement income. Developing a tax-effective investment strategy maximises income and supports long-term financial goals.
Financial advisers help tailor portfolios for tax efficiency and ensure account-based pensions deliver optimal outcomes.
Aged Care Planning
Aged care planning is an increasingly important aspect of financial planning, especially as you or a family member approach retirement. Navigating the aged care system can be complex, with a range of care options, costs, and funding arrangements to consider. At Money Path, our financial planners provide expert advice to help you make informed decisions and create a tailored plan that supports your family’s needs.
We start by understanding your personal situation, financial goals, and unique circumstances. Whether you’re planning for your own future or assisting a family member, we help you explore the best ways to fund aged care—such as utilising superannuation, investments, or other financial resources. Our advice also covers the impact of aged care decisions on your estate planning, ensuring your assets are protected and your wishes are respected.
Our team provides ongoing support and guidance, helping you navigate government incentives, means testing, and the financial implications of different care options. We work with you to create a plan that balances quality care with financial security, so you and your loved ones can enjoy peace of mind during life’s later stages.
With Money Path’s expertise, you can confidently manage the transition to aged care, protect your assets, and achieve your financial objectives—ensuring your family receives the support they need, now and in the future.
Who Our Investment Approach Is Best Suited To
Our investment advice suits clients who:
Prefer evidence-based, passive investment strategies
Value transparency, clarity, and low-cost solutions
Focus on long-term financial outcomes
Want ongoing, personalised financial advice and support
Appreciate disciplined investment behaviour over speculation
Need personal advice for complex financial needs including superannuation and estate planning
This approach may not suit those seeking short-term trading or speculative strategies.
How Money Path Can Help
Money Path provides licensed, professional investment advice in Adelaide, offering a broad range of financial services to help you achieve your financial goals. Always verify your adviser’s credentials on the Financial Advisers Register to ensure they are authorised by ASIC.
Our services include:
Investment advice only engagements
Ongoing portfolio management and monitoring
Integration of investments with superannuation and retirement planning
Pre-retirement and retirement investment strategies
Clear guidance during market uncertainty and volatility
As your authorised representative, we ensure all advice complies with Australian financial services licence requirements and is tailored to your circumstances.
Frequently Asked Questions
Do I need investment advice if I already invest myself?
Many self-directed investors seek personal financial advice to validate their strategy, manage risk, and integrate investments with superannuation and retirement planning.
Is passive investing suitable for everyone?
Passive investing suits many long-term investors, but the right strategy depends on individual objectives, timeframes, and risk tolerance.
How often should investments be reviewed?
Regular reviews are beneficial, especially when personal circumstances or market conditions change.
Can investment advice reduce risk?
Yes, expert advice helps manage risk through diversification, asset allocation, and disciplined decision-making.
Is investment advice tax deductible?
In some cases, fees related to income-producing investments may be tax deductible; this varies by individual circumstances.
What happens to my account-based pension when I die?
Remaining funds go to your nominated beneficiary or estate according to superannuation rules.
Can I choose how my account-based pension is invested?
Yes, you can select investment options offered by your super fund to tailor your strategy to your risk profile and retirement goals.
Final Thoughts
Successful investing is rarely about finding the perfect investment. It is about:
A sound, evidence-based financial plan
Low investment costs
Broad diversification
Consistent, disciplined behaviour
Ongoing professional guidance and support
At Money Path, we help Adelaide clients apply these principles with confidence and clarity to secure their financial future.
If you would like to discuss how our investment advice approach can help you achieve your financial goals, we invite you to get in touch for an initial conversation.
