100% INDEPENDENT FINANCIAL ADVICE
Financial advice
built around you
not products.
Both Phil and Naomi are founding members of the Profession of Independent Financial Advisers and we are proudly free from commissions, percentage based fees and conflicts of interest.
WHY INDEPENDENCE MATTERS
Advice the way it should be:
free from conflict.
Only around 1% of financial advisers in Australia are truly independent. Most are tied to institutions, products, or commissions that can influence what they recommend — even if they don’t realise it.
At Construct Wealth, we have deliberately designed our practice to eliminate every possible conflict. We do not accept commissions. We are not owned by, or affiliated with, any product provider. And if we ever do receive a commission — you get 100% of it back.
WHO WE WORK WITH
Helping busy professionals
build and protect their wealth.
Our clients fit into three main categories based on their life stages.
Wealth Building
Our typical client
- Household income above $300,000
- Saving more than $3,000 a month
- $500,000 in investments and/or super
- Professionals, executives, business owners and doctors
Pre-retirement
Our typical client
- Household income above $300,000
- Saving more than $3,000 a month
- $750,000 in investments and/or super
- Planning to stop work in the next 5-10 years
Retirement
Our typical client
- $1 million+ in investments and/or super
- Are looking for certainty their money will last
- Centrelink, estate planning & more
- Those with an inheritance to manage
Examples of real client outcomes
Case Study 1 – Tax effective wealth plan
Executive couple wanted a sense check — they now have a plan to grow their wealth by $400k
A couple in their late 40s with a combined income over $400,000 had built up a portfolio of investment properties but the rental income was going to the spouse in the top tax bracket. They held unnecessary insurance and were about to make another costly mistake with another property purchase.
We restructured their entire approach and by cutting loose some deadwood and using debt wisely we will be saving them $150,000 over ten years and growing their net worth by around $400,000.
$400k higher net wealth
Case Study 2 – Better use of Super
Doctor wanted to save fees — left with a plan to save $150k in tax and grow wealth by $400k
A doctor and his wife in their early 50’s. Was using multiple companies and trusts to invest but was not making the best use of super. Their main focus was on fees, but were ignoring the fact they were taking a risk by investing in the same company the doctor was trading through.
We came up with a plan to move the investments from teh companies to the trust and make better use of super.
Through following our plan, they will save more than $15,000 a year.
$150k+ in tax savings
HOW WE WORK
A clear process built around your goals
From your first conversation to ongoing CARE, we walk alongside you every step of the way
Understand your situation
We start by getting to know your situation, goals, and what matters most to you — before anything else.
Develop your plan
We review every aspect of your finances and develop a written strategy tailored precisely to your circumstances.
Implement your plan
We work with your super funds, handle the paperwork and set-up, and make the relevant referrals to other professionals as required.
Ongoing CARE
This is where the transformation happens. We keep you on track, hold you accountable and adapt your plan as your life changes.
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.”
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