for Financial Security and Well-being
About Us
Lifegro has been helping people to achieve their financial goals since 2011.
Based in Perth, but also accessible from anywhere, we are committed to helping you achieve your financial goals and secure your financial future. With a wealth of experience in Investing, Superannuation, and Retirement and lifestyle solutions, we are here to guide you through every stage of your financial journey.
Who we help
Our mission is to empower you with the knowledge and tools to make informed decisions, ensuring a prosperous future for you and your loved ones. At Lifegro, your success is our priority, and we are dedicated to building long-lasting relationships based on trust, integrity, and excellence.
Our services mainly benefit the following people:
5 - 10 years from retirement, current Super, Savings, Investments and Investment property equity with a net overall balance in excess of $500,000, seeking a customised plan to maximise your retirement outcomes and pre-retirement lifestyle and work choices.
Approaching retirement, with Super, Savings and Investments in excess of $500,000 and seeking a customised plan. Assisting self funded retirees, and retirees seeking to maximise age pension entitlements.
Professionals, FIFO workers or Business owners seeking to accumulate investments for lifestyle choices, long term savings and family protection, with family income in excess of $300,000 (Singles $180,000).
Building strategies and financial modelling
Creating and establishing personalised financial strategies and solutions that will help you achieve your goals is at the core of what we do. We draw on your circumstances, wishes, and our knowledge and experience, coupled with detailed modelling of outcomes to establish a strategy that is appropriate for you.
This can take time, and we share the steps so that you have ownership and trust in the process and outcomes.
Once the strategy has been determined and agreed on, we consider investment options that align with your beliefs, use our expertise to make appropriate recommendations, and implement.
Investment Philosophy
Lifegro’s investment philosophy builds from a client first approach. We believe that there are a number of investment strategy options that can achieve your goals, and we will discuss and do a deep dive with you to determine the approach that resonates and enables you to “sleep well at night.”
We generally consider and provide for the following approaches and outcomes:
If you believe that trusted institutions that do all the investing for you in one master trust make you the most comfortable, we will design solutions that provide this.
In portfolios 3 and 4, we focus on intrinsic value and long-term growth. We avoid emotional reactions to market behaviour. We conduct proactive market analysis and prioritise strategic investments. We monitor performance continually and recommend asset rebalances when market conditions necessitate a change of direction.
Fees
Our fee structure includes fees for Administration and support, Portfolio management, and Financial Planning.
Depending on your needs we will generally charge an upfront fee for the initial advice, followed by an implementation fee.
Minimum upfront fee is $5,500 including GST
Average upfront fee is $7,700 to $9,900 including GST
Investment Management fees (0% to 0.88%) may also be applied and tailored to your overall portfolio.
Thereafter you have the choice of engaging in an ongoing service arrangement with us at an agreed service fee, or consulting with us on an ad hoc basis when you feel the need, at our hourly rates.
Minimum ongoing fee is $440 per month ($330 singles) including GST
Average ongoing fee is about $660 per month.
Investment Management fees (0% to 0.88%) may also be applied and tailored to your overall portfolio.
Alternative monthly fee options are available.
For retirement planning clients, we offer and encourage a flexible fee arrangement for services during your first 12 months, through our Retirement Ready program. This is designed to provide value and peace of mind as you plan your future.
Our people
Nigel Owen
CA, CFP ®
Director & Certified Financial Planner
Specialising in Investment portfolios and Retirement and Lifestyle planning strategies to help you achieve your goals.
Darral Haynes
Research Officer
Darral supports us by providing research on topical issues that arise, reviewing complex retirement strategies and opportunities to maximise Age pension entitlements.
Back office:
We are supported by a boutique back-office support system that enables as much client facing time as possible.