Astute Capital Management
If you’re looking for advice with integrity, you’ve come to the right place.
About Us
Welcome to Astute Capital Management
Enjoy your life while your money works. It’s not easy investing or knowing how much you’ll need in retirement. And learning takes time. Astute Capital Management is a Perth based financial planning business that understands these challenges.
We work with people of all walks of life to remove financial uncertainty and most importantly, grow your wealth. Our approach is to work flexibly to suit you. We invest your money like it’s our own.
Why Astute Capital Management?
ACM is a specialist advisory service. We keep our business personal, current and responsive to our clients’ needs.
As a fully qualified Chartered Accountant and investment adviser, I can promise you intelligent, ethical and logical advice in the development of a financial management strategy.
So what makes us different?
In short – We Care.
Embedded in our culture – Balance!
We operate in an environment that seeks out and advocates best practice for our clients. We operate with the highest level of integrity and ethics. ACM is not beholden to any particular investment manager – being a privately owned and operated Financial Advisory business. That means we give you an objective, balanced view point – that best serves your financial growth
“If you don’t bet, you can’t win…if you lose all your chips, you can’t bet.”
Larry Hite, system trading pioneer
Astute Capital Management is a financial planning company with pedigree. Set up by founding director Lindsay Binning in 2006, who boasts a long and successful career from working at Price Waterhouse Coopers and BDO Corporate Advisory as a chartered accountant.
Much of the work we undertake is from referrals and repeat business. We think this is affirmation for our ability to deliver and the strength of our personal relationships.
Having a financial planner who is a qualified chartered accountant, knows the ins and outs of trading and investment markets and has 26 years of frontline experience is invaluable.
“I believe that building wealth is a mechanism to help people do the things they want to do,” Lindsay said. “Financial independence gives you choice.”
WHY CHOOSE US
Well to be frank and upfront, we’re proud to offer a completely agnostic service. We believe this is a rare commodity in the financial planning sector.
It means we have no hidden agenda or alignment with major banks or financial institutions, or under any to pressure to recommend their products.
But more than, we’re confident the advice we provide will lead to greater accumulated wealth, while you will enjoy a lifestyle with more time to focus on the things you love. And the reason this can become your reality? Because we manage your money like it’s our own.
Taking risks is part of making returns, but with Astute Capital Management we always work to mitigate them.
Our values of integrity, diligence and excellence are in place to ensure clients peace of mind, that we invest in only credible opportunities, and deliver the best results.
If you would like more information on how we can help your situation then do get in touch. In our experience all wealth starts with a conversation.
Services We Provide
SUPERANNUATION ADVICE
Having a smart plan for your super starts with making sure it’s in the right fund.
Whether you’re single, in a relationship, have a large family, employed, or running your own business, we can provide you with advice that’s relevant.
If you need advice on super Astute Capital Management can help you consolidate your super, reduce your fees and make sure it’s with a fund you can trust.
We’re also immersed on the trickier super topics too. Like how to pick and choose the portfolios and assets you invest in, or maybe how to approach creating a self managed super fund.
It’s important to choose an investment strategy that suits not only your personal objectives, but also your risk appetite.
Retail funds: Accumulation funds that give access to a range of investments including wholesale managed funds and ASX listed shares.
Industry funds: Tailored services to members of a specific industry.
Self managed funds: To get started we help you choose the investment options best suited to your situation and financial goals.
TAX PLANNING
Have you considered the tax implications of your investments?
If you haven’t you could be missing out on money in your pocket.
If an investment is ‘tax-effective’ you end up paying less tax than you would on another investment with a similar return and risk.
While lower tax can help your savings grow faster, you should never base an investment decision on tax benefits alone. But it’s an important consideration.
WEALTH ACCUMULATION STRATEGIES
To live the life you really want you need a wealth management and accumulation strategy to help manage your cash flow.
Planning means you can know your limits and stop worrying about booking that restaurant for dinner or your next holiday.
Astute Capital Management can give you the flexible tools to alleviate the stress that comes with managing day-to-day expenses and help you plan for future wealth.
Once you have a clear vision in mind, you need diversified investment strategies to achieve your financial goals.
We help by simplifying budgeting, taxation, wealth and asset protection. Our preferred outcome is for you to have a financially secure retirement. Simple.
PERSONAL INSURANCES
It’s really important to protect what matters most. And to do that you need cover you can count on.
Without a strategic approach to managing the risk of serious illness or death, even the best financial plan can unravel. Don’t just assume your super fund has the right amount of cover. Astute Capital Management can structure your personal and business insurance to make sure that you’re covered no matter what kind of curve balls life throws at you.
INVESTMENT PORTFOLIOS
Stocks, bonds, commodities and rental properties. Buy? Sell? Invest?
The options are endless and often confusing.
You want to know what you should invest in and you want a portfolio that grows sustainably. You need risks to be managed and you want cash flow to be positive.
By building a diversified and actively managed portfolio we reduce volatility in your portfolio.
Unlike many other financial advisors Astute Capital Management review portfolios regularly and proactively.
The world is an uncertain and dynamic environment so we don’t rest. Our proactive approach to pick up the phone and talk, removes much of the pressure on you.
At Astute you’re in safe hands.
ESTATE & LEGACY PLANNING
Preserving wealth from one generation to the next can be complex, time-consuming and full of emotional potholes.
Our focus is to remove any of your stress by giving you clear direction and making sure your financial wealth is shared with your family, friends or even charitable organisations that you may choose. By articulating your goals, we ensure that your financial strategy reflects your estate planning needs, and help navigate the often complex estate planning landscape.
Who We Advise
Baby boomers and 50+ retirees
LIVE THE LIFE YOU’VE ALWAYS DREAMED OF
Retiring after decades of hard work should be cause for celebration… But for many baby boomers and people in the 50+ age bracket that isn’t the case.
Many people come to us worried about the amount they have to retire on and want to know that their money will continue to work for them in retirement.
Whether that involves travelling overseas, hitching the caravan to the back of the Landcruiser and travelling around Australia or just spending time close to the grandchildren, wherever they may be.
WHY TALK TO US?
We know that financial mismanagement can create stress and worry – and believe you should have the financial peace of mind to enjoy your retirement.
We don’t just manage your money; we invest smart to match your goals and appetite for risk. It’s not all about investing lump sums of money, Astute Capital Management helps you make the most of your super, Centrelink payments and explain taxation benefits.
Our clients regularly say to us; “you speak our language”, or “I had no idea I could do that” and “now I’m really looking forward to enjoying my twilight years.”
We take the worry out of it for you. It’s as simple as that.
High Net Worth Individuals
YOU’RE SMART, WORK HARD AND HAVE AN INCOME THAT GIVES YOU FINANCIAL FREEDOM, NOW WHAT?
We understand the High Net Worth space better than most. The people we work with are often highly intelligently, informed and knowledgeable of commercial markets.
Maybe you’ve been highly successful in your profession or perhaps you started the right business at the right time.
The challenge they always have is time. They lack sufficient capacity to research opportunities and think objectively on where and how to invest. That’s where we come in.
We optimise our engagement so you get the right information at the right time.
This allows you to continue focussing on your core priorities and securing the finance to be comfortable for generations to come.
SAGE ADVICE
You don’t want to put all of your nest eggs in one basket – we understand that so we create diverse portfolios that deliver reliable results. Astute Capital Management’s extensive market knowledge and access to key industry people means that there are no surprises in the portfolios we manage.
Successful long term investing is about skill and discipline. Astute has both. Our mantra is think a lot and act a little.
Patience, understanding that investing is different to speculating and a clear focus on quality means that your funds will grow steadily over time. When investing, slow and steady wins the race every time…
Young Professionals
WORKING HARD FOR THE MONEY
You’re in your early 30s, you might be married and thinking of starting a family, you might be single and working in a prestigious corporate role with capital to spare.
Whatever your situation, the thought of the future has crossed your mind.
What will it look like? How can you make the most of the money your earning now and plan for the retirement you really want?
At Astute Capital Management we can help you learn and make decisions now that will set the foundation for a strong financial future. We pride ourselves on our knowledge of financial products and investment markets. When you’re younger and emerging in the professional world you have many options – We help you understand these and choose the best for your situation.
HOW WE CAN HELP YOU
Have you heard of ETFs or lending?
We’ll look at your existing super funds and see if they’re working for you, invest your surplus capital in a strong and diverse share portfolio and consider negative gearing on any investment properties.
We’ll ensure your investments are tax efficient so you’ll be aware upfront of how much you’ll pay on earnings.
Astute Capital Management’s years of investor knowledge means we know exactly when to take a calculated risk and when to walk away. After all, spreading risk is the key to reducing volatility.