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<BODY BGCOLOR="#ffffff"> For BEST results, view this page with a browser capable of displaying frames. <BLOCKQUOTE> <P><B>Our approach</B></P> <P><B>Management of Shares<BR> </B>Our philosophy regarding direct shareholdings compels us to look for stable, well capitalised companies with steady records of growth in both sales and earnings with relatively low price to earnings ratios.</P> <P>We are always mindful of a client's need for safety, capital appreciation and income so we endeavour to build balanced portfolios that address those needs.</P> <P>Securities are purchased with a long term view. All holdings are continually monitored to ensure we are informed about changes in sales, earnings and company events.</P> <P><B>Managed Funds<BR> </B>Managed funds deliver greater diversification. We select funds with consistent, long term track records, stable management, low fees and prudent investment policies.</P> <P>To reduce overall volatility and risk, we prefer to build a client's portfolio around a core group of diversified managed funds in portfolio construction   . It is important to select a variety of funds management institutions with different investment styles and philosophies that include value, growth, large cap, small/medium cap and international.</P> <P>Investment goals are achieved by ensuring an appropriate mix of growth and defensive assets are in every investment strategy. We take the time to explain the importance of growth assets and their characteristics. Also, how it is necessary to adopt the right time frame where time in the markets rather than timing the markets<I> </I>will work for you.</P> <P><FONT SIZE="+1" FACE="Garamond">We are:</FONT></P> <UL> <LI>a principal member of the Financial Planning Association of Australia (FPA) <LI>a Licensed Securities Dealer </UL> <P>And agents for:</P> <UL> <LI>BT Life <LI>MLC Life <LI>Macquarie Life <LI>Citicorp Life </UL> </BLOCKQUOTE> <P> <CENTER> <A HREF="service.htm">Services</A> | <A HREF="invest.htm">Investment</A> | <A HREF="relation.htm">Relationships</A> | <A HREF="about.htm">About Us</A> | <A HREF="index.html">Home</A> </CENTER> </P> </BODY>