Peak Financial Ltd

Peak Financial is a financial planning and wealth management firm. Full service holistic financial planning is our principal service offering. We look at all aspects of your financial and personal circumstances and we craft a financial plan that will deliver on your individual needs and objectives. We’ve witnessed countless times the peace of mind that a tailored financial plan and having a dedicated financial adviser by their side provides to our clients. Our investment management offering is founded on the principles of evidence-based investment – we only invest client funds based on the output of academic studies using robust, unbiased data of how markets have performed over long periods of time – and as such we principally recommend the funds of Dimensional Fund Advisors (DFA). Our investment philosophy is founded on the following key principles: 1. Establish a cash reserve before you commit funds to longer-term investments. Knowing your short-term needs are covered will give you the confidence to invest. Understand and manage risk. We help you explore your tolerance of risk and uncertainty and assess how much risk you need to take to achieve your goals. Focus on getting the “investment mix” right. It is the proportions allocated to the various asset classes which is the major determinant of portfolio returns. Diversify & rebalance. Diversification reduces the risk of major losses that can result from over-emphasizing a single security or single asset class, however resilient you might expect that asset or asset class to be. As market performance alters the values of your asset classes, you may find that your portfolio no longer provides the balance of growth and return that you want. Fear inflation. Inflation is a threat to your long-term financial security – protecting the purchasing power of your financial resources is paramount. Manage tax and costs. It is the net of tax, net of cost return that counts.