Independent Financial Advice

Financial Advice should always be conflict free, but amazingly only 1% of us choose to meet the ASIC requirements and are able call ourselves independent financial advisers.

A list of other independent financial advisers is listed on the Superguide website.

As independent financial advisers:

we do not receive any money from the investments, super or insurances that we recommend
the only money we make is from the fees we charge our clients
we can focus on tax strategies and strategic investment advice without worrying about how we will charge you
we are free to provide you with advice that puts your interest ahead of ours
we are not limited to what products we can recommend.

Who we help and how

The people we help the most are:

professionals, executives, military, and doctors who will be working for another 5-10 years and want help to grow and protect their money
people who have received an inheritance and need independent financial advice on what they should do with it
those coming up to or in retirement and wanting guidance on when they can stop work and then navigating the complexities of the retirement system.

Our approach

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 us if we genuinely believe we can help you.

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

Meet Phil & Naomi

‘From the beginning, we felt confident that Phil always had our best interest in mind… We wish we had met Phil ten years ago.’

Elena & Giri, Sydney

‘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.’

David, Port Macquarie

‘We both found Phil knowledgeable, easy to engage with, and highly professional. Based on our experience we highly recommend his service.’

Jill & David, Eden

‘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.’

Michael & Peta, Young

‘We now have a well-researched investment strategy that we can manage ourselves.’

Joe & Robyn, South Coast NSW

‘Naomi assists with our questions in the minefield of retirement income with much patience and humour. Much appreciated.’

Phil, Canberra

‘I highly recommend Phil… He put us at ease immediately and was very understanding.’

Maria, Tumut

‘Phil took a lot of care to make sure he understood our circumstances and priorities… His advice was clear and easy to understand.’

Fiona & Graham, Canberra

‘I continue to be very satisfied with the level of expertise and guidance offered by Naomi.’

Ian, Queanbeyan

‘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.’

Jill & David, Eden

‘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.’

Nicole & Mark, Bungendore

‘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.’

Tammy, Maitland