Helping you make and protect wealth — honestly, ethically and justly.
We don't operate as a production line. We don't funnel people into pre-set solutions. And we don't believe your financial life should be shaped by trends, templates, or pressure.
Our real strength is in relationships — being available when you need us, knowing your situation well enough to respond meaningfully, and helping you build capability and confidence rather than dependence. Your needs will change over time, and we adapt as your circumstances do.
The Total Portfolio Approach
We recognise that everyone's financial situation is unique. Our approach integrates your complete wealth picture with flexible service levels to create genuinely personalised advice.
The Service Cube™
The level of advice and services you want or need at any given point in your financial journey. Life isn't linear—sometimes you need intensive advice, sometimes just maintenance. The Service Cube adapts to where you are right now, and changes as you do.
The Wealth Pyramid™
A conceptual and technical analysis of your complete financial position—at a point in time or across your lifetime. From foundations (cash flow, protection) through accumulation to distribution, the pyramid ensures nothing is overlooked.
The Wealth Pyramid™ and The Service Cube™ are registered trademarks of WSP (June 2002, renewed through 2032)
Foundations First
Before moving to investments or complex strategies, you'll want to ensure the fundamentals are sound. What that looks like varies by person and circumstance—it might involve cash reserves, disaster planning, insurance protection, debt management, structures for tax effectiveness and credit security, or estate planning. Not everyone needs everything. This isn't a tick-box exercise—it's making sure your foundations will hold when life gets complicated.
Our Investment Process
When investment advice is appropriate, our process builds on industry-standard Strategic Asset Allocation but adds layers of research, adjustment, and personalisation. Click any step to learn more.
From Assessment to Your Portfolio
Step 1: FinaMetrica — Risk Tolerance Assessment
A straightforward questionnaire—can be completed in about 15 minutes, even on your phone. But don't let the simplicity fool you: it's psychometrically validated and used by advisers worldwide.
What it measures
Your genuine risk tolerance—how you actually respond to investment scenarios, not what you think you should feel. There's often a gap between intellectual understanding ("I know markets go up and down") and emotional reality ("I can't stop checking my balance"). FinaMetrica identifies where you genuinely sit.
What you receive
A detailed report showing your risk tolerance score, how it compares to the broader population, and what it means for portfolio construction. This becomes the starting point—not the end point—of our conversation about your investments.
Step 2: Delta Factors — Valuation & Efficiency Research
Formerly Farrelly's Investment Strategy—one of Australia's most respected independent research houses. Delta provides quarterly analysis of asset class valuations, return expectations, and portfolio efficiency.
Why this matters
Most managed funds and super products use Strategic Asset Allocation—set percentages in each asset class, rebalanced periodically. It works, but it largely ignores current valuations. Are shares expensive or cheap right now? What returns can we realistically expect over the next decade given where prices are today?
What Delta provides
Rigorous scenario analysis—not just the "most likely" outcome, but a range of possibilities including less probable but impactful events. Their research helps us understand whether current market conditions warrant adjustments to standard allocations, and what returns are reasonable to expect.
Step 3: WSP Adjustment — Availability, Flexibility & Capacity
This is where we bring practical reality and your complete situation into the picture.
Investment availability
Not all investments are available in all structures. Your super fund might not offer certain options. A particular managed fund might be closed. We work within what's actually accessible to you.
Flexibility
How easily can allocations be changed? What are the costs of switching? Some structures are nimble; others are cumbersome. This affects how we build and maintain your portfolio.
Risk capacity
Distinct from risk tolerance. You might be comfortable with volatility, but if you need that money soon, your capacity to bear a 30% drop is limited regardless of your preferences.
Step 4: Total Portfolio — Your Unique Circumstances
The final layer transforms a model portfolio into your portfolio by considering your complete financial picture.
Our Service Models
We offer flexible service arrangements that adapt to your needs. Click on any option below to learn more—or tell us what's happening in your life and we'll highlight what typically fits.
What's happening in your life right now?
Contact
$660 (12 months)Your file stays open. Pro app with automatic data updating. We're available at short notice if something comes up.
Report
From $1,650Formal documentation of your position. Cashflow analysis, projections, summaries—factual and general, not personal recommendations.
Advice
From $2,640 ($330/hr)Personal recommendations. Strategy documents. Statements of Advice. Professional guidance applied to your specific situation.
Moving between service levels isn’t about climbing a ladder—it’s about matching what we do to what life has put in front of you. A period of stability calls for Contact; a period of change may call for Advice. The right level is whatever fits your circumstances now.
Investment Management Approaches
When investment advice is appropriate, we offer different levels of involvement. Click to explore—or tell us what suits you.
What kind of involvement are you looking for?
The Advised Approach
We manage a pool of funds under predefined strategies. You step back; we handle the ongoing decisions.
Between the Flags
For funds where your options are limited—industry super, corporate funds, or restricted investment menus.
Directed
You participate in the investment process—in full or in part. Collaborative, hands-on, tailored to how you want to engage.
Don't Take Our Word For It
Good decisions come from good information—and that shouldn't only come from us. These independent resources can help you understand financial advice, check credentials, and know your rights.
Moneysmart
ASIC's guide to money, investing, and financial advice. Independent government resource.
Financial Advisers Register
Verify any adviser's credentials, qualifications, and history. Look us up.
AFCA
Australian Financial Complaints Authority. Free, independent dispute resolution if something goes wrong.
FAAA
Financial Advice Association Australia. Professional standards and what to expect from qualified advisers.
Learn More
WSP Website
Our main website with information about our team, services, and approach to financial planning.
Visit wsp.com.au →Michael's Musings
Thoughts on markets, investing, financial planning philosophy, and the intersection of money and life.
Visit michaelsmusings.com.au →Investment Strategy Profiler
An interactive tool to help you understand different investment approaches and risk profiles.
Open Profiler →WSP Information Hub
Interactive guides on topics from housing affordability to portfolio construction — explore the tiles at your own pace.
Browse the Hub →Our Proprietary Frameworks
The Wealth Pyramid™ and The Service Cube™ are WSP's proprietary frameworks developed over more than two decades of practice. Together, they ensure we address both your complete financial picture and your evolving need for advice and service. These frameworks have been registered trademarks since June 2002, reflecting our long-term commitment to evidence-based, client-centred financial planning.