Financial Advice

Financial advice and independence

Financial Advice should always come without conflict. This is why Phil and Naomi have designed their practice around being 100% independent, which allows them to always puts your best interests first.

At Construct Wealth, we aim to help you make smart decisions with your money so you can live the life you want both now and in the future. Giving you the best strategy and products for your individual circumstances and needs is our core focus.

Our independence means:

your best interest is at the core of what we do and recommend
we are free from any conflict of interest that arises from having a financial incentive or connection to any of the investments, super or insurances that we recommend
if we ever receive a commission, you will get 100% back
we are not limited to what products we can recommend.

Who we help and how

While not everyone fits into all of these categories, the people we help the most are:

professionals, executives, and doctors that want help to grow and protect their money.
people who have an inheritance and they would like independent financial advice on what they should do with it.
those wanting to accelerate their wealth accumulation without taking unnecessary risks.
those looking for advice on when they can stop work.

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

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