Independent Financial Advice
Helping busy professionals build and protect their wealth
Who we work with
Wealth accumulators
Typically the people that we can add the most value to fall into at least two of the following categories:
- 35-55 years old
- Have more than $700,000 to be invested (this can be in or outside superannuation)
- Able to save more than $3,000 per month
Retirees and pre-retirees
These people have done most of the hard work and are now looking to use the wealth they have accumulated over their working life to ensure they have a secure retirement. To get the most value from our services, these people typically:
- are 55-70 years old
- out of you
At Construct Wealth, we are proud to be part of the rare breed of truly independent financial advisers in Australia.
Phil and Naomi are founding members of the Profession of Independent Financial Advisers (PIFA) and practice the PIFA Gold Standard of Independence™
Our commitment to you
‘Your best interest will always be at the core of what we recommend. We will only invite you to join our program, if we genuinely believe we can help.
After engaging us, you will have a clear financial strategy and the confidence that you are doing everything right.
We will uphold the values of being an independent financial adviser, so you are guaranteed independent, unbiased and conflict-free advice.’
Phil Harvey and Naomi Horobin
‘From the beginning, we felt confident that Phil always had our best interest in mind… We wish we had met Phil ten years ago.’
‘Naomi is approachable and professional. Since we don’t live in Canberra anymore, it is vital that we can be confident in our long-distance dealings, and Naomi does this very well. She keeps us informed by email or telephone of matters that affect us.’
‘We both found Phil knowledgeable, easy to engage with, and highly professional. Based on our experience we highly recommend his service.’
‘We didn’t realise the benefit of getting independent financial advice, but this is one of the smartest things we have ever done. Our only regret is that we didn’t do it sooner.’
‘We now have a well-researched investment strategy that we can manage ourselves.’
‘Naomi assists with our questions in the minefield of retirement income with much patience and humour. Much appreciated.’
‘I highly recommend Phil… He put us at ease immediately and was very understanding.’
‘Phil took a lot of care to make sure he understood our circumstances and priorities… His advice was clear and easy to understand.’
‘I continue to be very satisfied with the level of expertise and guidance offered by Naomi.’
‘Phil’s advice was clear, research based, and always explained in depth.
We felt well understood and expertly supported throughout the process, and as a result moved into our retirement with greater confidence.’
‘We found Phil to be knowledgeable and professional, and he was excellent at guiding us through the process. Importantly, he is easy to talk to. We highly recommend his services.’
‘Trying to navigate the financial landscape can be very confusing. So Phil’s help and advice have been invaluable in helping me put a plan in place to ensure I can retire comfortably.’
‘Naomi is a confident and very competent adviser.”
The AI tech boom: Incredible growth….. but what could go wrong?
Ever since OpenAI released ChatGPT in November 2022, the investment landscape has shifted. Artificial Intelligence or AI is now a daily headline, and company valuations have climbed fast. Since November 2022, we’ve seen: Companies [...]
Making the most of your super contributions
Superannuation is a vital but often underused part of Australia’s retirement system. To encourage people to make the most of their super, there are significant tax advantages compared to investing outside super. Understanding the [...]
Pay off the mortgage or invest?
Do I pay off the mortgage quicker - or invest? One of the most common questions we hear is: “Should we throw extra money at the mortgage, or invest it instead?” For many families [...]
A plan for financial independence
For many professionals in their early 40s, the idea of being financially independent before they are 60 sounds like a dream. School fees, mortgages, and lifestyle costs make it feel out of reach. But [...]
Have you hit the ‘wealth plateau’?
For many families, hitting your 40s with a strong income feels like success. You’ve worked hard, bought a home, and life is busy with school runs, weekend sport, and the occasional family holiday. But [...]