Services – Advice Philosophy
In financial planning, there are two types of outcomes: those that can be delivered with certainty and those that require intelligent decision-making to optimise results.
Some outcomes, such as tax efficiency and cost minimisation, can be structured to provide clear, predictable benefits. Others, like investment performance, involve inherent uncertainties. The key to achieving the best possible results in these areas is to control what can be controlled—keeping unnecessary costs to a minimum while applying sound investment principles.
For SMSF investors, adding an investment wrap or platform introduces an unnecessary layer of costs. Our philosophy is that intelligent investors should avoid this duplication of expenses. Instead, we place our SMSF clients on a nil ongoing cost platform, ensuring that they only pay for what truly adds value.
We trade exclusively in direct securities and Exchange Traded Funds (ETFs), allowing our clients to benefit from broad diversification, low costs, and a transparent investment structure. This approach ensures that more of their wealth remains invested and working for them—delivering superior long-term outcomes.
Our commitment to evidence-based investing ensures that every decision is grounded in research and best practices. We eliminate unnecessary complexity and focus on efficiency, helping our clients build stronger financial futures with confidence.
We design portfolios using cost-efficient, widely diversified ETFs to maximise returns, and reduce risk without unnecessary expenses.
We believe in creating investment solutions that are as efficient as they are effective. With over 25 years of financial expertise, we combine evidence-based strategies with low-cost, widely diversified assets to help you achieve your financial goals. Our approach is simple: keep your investments working for you while keeping costs as low as possible.
Traditional investment strategies often involve high-cost platforms and complex fee structures that can eat into your returns. We do things differently.
We use Exchange-Traded Funds (ETFs)—a highly efficient and cost-effective investment tool. ETFs allow us to build a diversified portfolio that spans global markets, asset classes, and industries, all while minimizing costs. This approach ensures your portfolio remains well-balanced, giving you the best chance for long-term growth.
With our ETF-based portfolios, there are no hidden fees or ongoing charges. This allows your investments to grow without the drag of unnecessary costs, enabling you to keep more of your money working for you.
Unlike traditional investment models, which often rely on individual security selection, unlisted Managed Funds or Separately Managed Accounts (SMAs), our strategy focuses on evidence-based investing.
This approach does not diminish the efforts of highly qualified investment professionals, many of whom hold PhDs and are deeply committed to achieving market outperformance. However, consistently outperforming the market over the long term is exceptionally difficult and only a few succeed, especially over any measurable time period. They do charge you for trying though, often at 1.00% per annum or more.
Years of research have shown that well-diversified portfolios with low-cost assets generally outperform more expensive, actively managed funds over time.
Our commitment to low-cost investing isn’t just about keeping fees down—it’s about ensuring that every dollar you invest is being used as effectively as possible. By utilising a trading platform with no ongoing annual management fees, we pass on the savings to you. Our clients typically pay 1% or more less per year than they would with traditional investment strategies.
This reduction in costs compounds over time, meaning you can expect greater returns in the long run. It’s a small difference that can make a big impact on your financial future.
We understand that every client’s financial situation is unique. That’s why we take the time to design a portfolio that aligns with your personal goals and objectives. Whether you’re planning for retirement, building wealth, or saving for a major life event, we will create a customised investment strategy that’s right for you.
By integrating evidence-based investing with cost-effective strategies, we help ensure that your portfolio is designed to meet your needs today—and in the future.
We’re here to help you achieve your financial goals with confidence. Our investment philosophy is built on a foundation of transparency, integrity, and a deep commitment to your success. With us, you can expect a clear, straightforward approach to managing your wealth—no hidden fees, no unnecessary complexity.
By prioritising tax efficiency, cost minimisation, and intelligent investing, we deliver a strategy that maximises certainty where possible and optimises outcomes where it matters most.
Let’s talk about how our approach can work for you.
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Harding Wealth Management Pty Ltd
ABN: 62 603 965 215
Ready for Intelligent Advice?
PO Box 2040, Murray Bridge, SA 5253
Harding Wealth Management Pty Ltd (1009142) is a Corporate Authorised Representative and Simon Harding (448420) is an Authorised Representative of HNW Planning Pty Ltd AFSL 225216
General Advice Warning: The information/advice provided in this web site is general advice only. It has been prepared without taking into account any person’s individual objectives, financial situation or needs. Before acting on anything on this web site you should consider its appropriateness to you, having regard to your objectives, financial situation and needs. You should obtain a Product Disclosure Statement relating to the products mentioned, before deciding whether to acquire any products.
