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Melanie Nutbeam HFS Asset Management Ltd |
| PROFILE |
| Title: Senior Associate |
| Experience in the industry: 25 years |
| Professional License: SFC, MPFA, PIBA, Australian Securities and Investment Commission |
| Educational Background: LLB, F. Fin, DipFP, CFP ™ (Aust) |
| What is your wealth management philosophy? |
| My philosophy is to help clients prepare an overall financial plan. This provides a strategic framework within which to make tactical decisions. That improves the quality of decision-making, whether it’s saving, investing or insurance. Instead of making ad-hoc decisions, clients can assess the impact of a decision on their overall plan. |
| What is the greatest achievement/challenge in your wealth advisory career? |
| An ongoing challenge is helping clients make informed financial decisions. It requires staying in touch with the client’s circumstances and the impact of changing economic and legislative conditions. The client and adviser must work together to assess the best options, and ultimate best fit, for the client. |
| Favourite investment themes for 2013: |
| 1. Ambivalent markets require two strategies – firstly, sensible asset allocation based on personal circumstances, secondly, disciplined rebalancing;
2. Good quality stocks with strong earnings potential and a competitive edge. I like consumables; 3. Diversification to reduce risk and religious monitoring; 4. Currencies – managing risks and opportunities. |
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