About us
Financial planning

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Core principles

F3 Financial Services maintains and guarantees ten core beliefs and guiding principles that underpin the financial advice and investment management services we provide.

  1. Objective and Unbiased - Our practice is independently owned and not affiliated with any financial institutions or product providers.  This ensures that any advice and recommendations we provide are in your best interests.
  2. Disciplined Investment Strategies - We build successful investment portfolios using sound and reliable time proven strategies that have been constructed using the most recent and validated academic research.  We understand that market hype and hot tips are pure speculation, and that constant trading of investments unnecessarily increases stress, taxes, costs and fees.
  3. Fee for Service - As part of our commitment and promise to remain objective, we are a fee based practice and do not receive or retain any investment commissions. Our investment recommendations are not influenced by product selection.
  4. Good People – The people that you will deal with at F3 Financial Services are good, honest people that you can trust. They are professionally licensed, highly qualified and can draw upon years of financial and real life skills and experiences.
  5. Personal Relationships – We aim to build long-term client relationships in which we work closely with you to develop financial strategies tailored to your situation and future goals. We aim to not only provide strategies, but also educate and coach you so you feel in control of your financial situation.
  6. Minimise Taxes – Our approach to financial advice and investment management takes careful consideration of taxes as this can have a major impact upon long term wealth creation. The investment management strategies used by F3 Financial Services are skewed to a long term, buy and hold approach to minimise the impost of unnecessary taxation costs.
  7. Minimise Investment Fees – f3 Financial Services will ensure that investment recommendations carefully consider (with a view to minimising) ongoing fees and charges to minimise the effect on your investment returns.
  8. Diversify Investments – We believe that diversifying investments leads to secure wealth accumulation. We discuss investment options with you and adopt a structured approach to diversification.
  9. Explain and Consider Risk – Before investing or making any changes to your financial situation, we conduct a 360 degree assessment of the risks involved – including the risk of not doing anything. We discuss these risks with you, and advise on the relationship between risk and returns before recommending the most viable options.
  10. Continuous Learning – By educating you and increasing your financial knowledge, you gain confidence and control of your finances. We make sure you have a thorough understanding of all financial strategies and investments before you sign off on them.