Elemental Wealth Management is an holistic financial planning company servicing clients throughout Australia.  Our office is located in Beerwah, Queensland and we regularly meet with clients from all areas.  Clients can contact us at any time regarding their investment portfolio or personal insurance needs, and we regularly update them on their progress.

Darren has been working as a Financial Planner since 1999.  Darren & Lesa have been working together in the industry since 2009 and together have created Elemental Wealth Management to embody industry best practice in the design, implementation and management of your financial future.

How We Invest

Our investment philosophy is based on some basic tenements:

Growth investments are important.
Being too conservative can be just as dangerous as being too risky. By dangerous, we mean in terms of not meeting your investment goals: having everything sitting in cash could mean 0% chance of achieving your goals.

We consider your attitude to risk.
Everyone is different, with different goals and attitudes to investment risk. We ensure that you are comfortable with the level of risk undertaken.

We look for investment opportunities in Australia and worldwide.
We analyse investment opportunities from major international share markets.

We use various sources of research.
We consider research from a variety of analysts and economists, from within Australia and overseas.

We invest in direct assets where possible.
This allows us to have transparency with your portfolio and to know specifically where your money is invested. It also allows us to provide greater depth in our reviews and risk planning.

We pro-actively manage your money.
This is an important part of the financial planning process. We don’t simply make adjustments once and then forget about you and your long-term goals. Instead, we regularly review all the stocks and assets you hold and ensure we are up to date with relevant news. If changes need to be made we will not wait until you call our office: we will proactively contact you to discuss any changes that may be necessary. Fast action means greater protection for your wealth and also greater opportunities for growth.

We buy when assets represent good value.
We know that you have a much greater chance of building wealth by selecting and purchasing assets when they are temporarily under-appreciated by the market. For example, think about banking stock during the GFC in 2008: while unappreciated at the time, most of these stocks have double or tripled in price in the past five years. Buying good assets at bad times can be a useful strategy in managing your wealth.

Low transaction fees.
Our focus is on providing advice, not churning your investments for a large commission. In most cases, brokerage is charged as part of an overall investment plan. Why charge an additional 1% or 2% per transaction for a plan that is already decided upon? We have found that these large transaction fees can actually deter people from making necessary changes to their portfolio.
By charging a set fee for ongoing advice, we can avoid large transaction costs and can deliver brokerage rates close to those of the large online brokers. This allows us (and you) to focus on the investment plan and what the optimal portfolio should look like at any given time.

“This is general advice only and does not take into account your financial circumstances, needs and objectives. Before making any decision based on this document, you should assess your own circumstances or seek advice from a financial planner and seek tax advice from a registered tax agent. Information is current at the date of issue and may change.”