Skip to content
Obsidian Wealth Management

How we help

Investment Guidance & Portfolio Structuring

Build an investment approach with a clear purpose. We consider diversification, costs, tax and risk alongside when you may need to use the money.

Book a call

Free 15-minute call. Choose a time below.

Decisions we help you make

  • How should my investments be spread across shares, fixed income, property and cash?
  • Should I invest in my own name, jointly, through a trust or in super?
  • Is my current portfolio diversified, and what am I paying in fees?
  • How much investment risk is appropriate for my timeframe?
  • How do I reflect ethical or values-based preferences in my portfolio?

How we help

What the advice covers

A portfolio should have a clear purpose. We start with what the money is for, when you may need it and how much risk you can accept, then build an approach to match.

  • Asset allocation. How your investments are spread across shares, fixed income, property, infrastructure and cash.
  • Diversification. Across asset classes, regions and managers, so the portfolio does not depend on one outcome.
  • Ownership. Whether investments are best held personally, jointly, through a trust or in super.
  • Costs. Platform, management and transaction fees, and what you receive for them.
  • Personal preferences. Ethical, ESG or values-based considerations where they matter to you.
  • Monitoring. How the portfolio will be reviewed and rebalanced over time.

How it fits your wider plan

Investment decisions sit alongside your cash reserves, debt, super and insurance. We consider whether investing or repaying debt suits you better, how much to keep accessible and how the portfolio supports goals such as retirement or helping family. Where ownership structures have tax implications, we work with your accountant.

Who it suits

  • Professionals and executives with surplus income to invest
  • Business owners building assets outside the business
  • Families investing for school fees, future help for children or the years ahead
  • Retirees drawing an income from their investments

What working together involves

Tav leads the research, strategy and advice. Our client service, administration and implementation team supports the work.

  1. Step 1: Introductory call

    Tell us what has prompted you to seek advice. We’ll discuss whether Obsidian can help and explain the next step.

  2. Step 2: Discovery

    We explore your goals and financial position in detail. Together, we establish the questions your advice needs to answer and agree the scope and fees before proceeding.

  3. Step 3: Strategy development

    Tav researches your options and develops the strategy. We consider the costs, risks and trade-offs, then document the recommendations for you.

  4. Step 4: Advice presentation

    We explain the recommendations, work through your questions and refine the plan where needed. You decide which actions to authorise.

  5. Step 5: Implementation and review

    Our team coordinates the approved changes and keeps you updated. If you choose ongoing advice, scheduled reviews help keep the plan relevant as your circumstances change.

Read about our approach

Common questions about investment guidance & portfolio structuring

Can you review the investments I already hold?

Yes. We review existing holdings for diversification, costs, tax and fit with your goals. We explain where a change may help and where keeping an investment may be appropriate.

Do you consider the tax cost of making changes?

Yes. Selling investments can trigger capital gains tax, so we weigh that cost against the reasons for change and involve your accountant where needed.

How often should a portfolio be rebalanced?

It depends on how far the portfolio has drifted from its target, the costs of trading and any tax consequences. If you choose ongoing advice, we review this at scheduled reviews.

Book a free 15-minute call

Choose a time that suits you. We’ll discuss your situation, whether we can help and what working together would involve.

Scope and fees are agreed before any advice work proceeds. Our Financial Services Guide explains our services and how we’re paid.

Loading the booking calendar…

Calendar not loading? Open the booking calendar

© 2026 Obsidian Wealth Management