Financial Advice

Ostermeyer provides strategic advice to assist clients in the areas of superannuation, investment structures, SMSF, tax planning strategies, personal insurance, estate & succession planning and legislative changes. Strategic advice is provided on an on-going basis as it requires detailed attention throughout various stages of a client’s life. Ostermeyer works closely with clients to establish clear objectives and keep them informed of legislative changes and strategies to assist them in making relevant and informed financial decisions.

Investment Advisory

Ostermeyer adopts a portfolio management approach to a client’s investment strategy and will make recommendations for consideration by the client. Ostermeyer provides a personalised portfolio service whereby investments are managed and the client makes the final decision on investment recommendations. Ostermeyer manages investments across a range of asset classes including; Australian equities, international equities, listed and unlisted property, fixed interest, bonds and cash.

Portfolio Administration

Ostermeyer knows that competent administration of client portfolios is important to ensure that all investment records and transactions are accurately recorded and reconciled. Our administration system covers listed assets on CHESS or SRN formats, unlisted assets and assets held in custody. Ostermeyer assists clients and trustees of SMSF’s to ensure accurate records of transactions are provided to accountants and compliance providers to complete annual financial and taxation reporting obligations.


    Ostermeyer is authorised by ASIC to advise and deal in the following:

    • Deposit and Payment Products
    • Government Debentures, Stocks and Bonds
    • Investment Life Insurance Products
    • Life Risk Insurance Products
    • Managed Investment Schemes
    • Retirement Savings Account Products
    • Securities
    • Superannuation

    The Advice Process

    The advice process is a structured path for client engagement and essentially involves the following steps:


    The first step is to assess your financial position with the help of personal financial balance sheets and income statements. A personal balance sheet includes assets such as investments in various financial instruments, including bank, cash, property, shares etc. The balance sheet also includes personal liabilities, which includes all loans, credit card balances and any other liabilities.

    Defining Goals

    Goals may include worldly things like buying a home, saving for your child’s education or marriage or planning for retirement or even planning a vacation. One must also define objective and time frame of goals.

    Making a Plan

    The plan gives you the structure and clear cut roadmap to achieve your goals. A financial plan includes the investments you can make (with whatever existing assets and income sources), their expected yields, your current and expected future income and expenses. It also helps you look at your current expenses and how they might impact your financial goals. A financial plan will also include any risks to your plan in the context of death and disability (i.e. repayment of loans, loss of income to your dependents and medical emergencies) and estate planning and its effectiveness in relation to the transferring of your wealth.


    An effective execution of a personal financial plan can help you achieve your goals. Your financial advisor plays a crucial role in helping you execute the plan.


    It is important to monitor your financial health and the effectiveness of the investments you have made. It is essential to monitor on a regular basis as the micro and macro economic changes may impact your current or future position. It also helps you re-visit your current investments and take action on whether to keep or replace them.