A strong portfolio is not built once and left alone. We bring your investments into one clear strategy, then monitor, review and recommend agreed adjustments as markets move, opportunities change and your life evolves.
Trusted by 5,150+ clients across Australia since 1986
Current state analysis
Complete
Goals review
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Final plan
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Retirement plan ready
Hi Victoria, we have completed your portfolio review and recommendations. Let us book a time this week to walk through the changes and answer your questions.
Good portfolio management is disciplined, not reactive
Markets will move. Headlines will change. Your portfolio should not be rebuilt every time they do. Good management starts with a clear investment strategy and a purpose for every part of the portfolio. It means knowing how much risk you are taking, where you are concentrated and whether your investments still support the outcomes you want. We coordinate your investments across super and other structures, monitor how the portfolio is tracking and recommend deliberate changes when your goals, circumstances or the investment case changes.
01
Align
We begin with your goals, time horizon, income needs, tax position and attitude to risk. These decisions set the direction for the portfolio.
02
Invest
We build a diversified mix of investments in which every holding has a clear role. We explain what you own, why you own it and how it supports the wider strategy.
03
Manage
We monitor the portfolio, review it with you and recommend changes when they are needed. You stay informed without having to react to every movement in the market.
Sound familiar?
These are the problems we solve every day
Has your portfolio become a collection of investments rather than one coordinated strategy?
Are your investments spread across super, personal accounts or trusts without a clear view of how they work together?
Are you unsure whether the risk you are taking still suits your goals and time horizon?
Do market movements leave you wondering whether to hold, sell or make a bigger change?
Strategy
What our portfolio management service includes
01
Portfolio strategy and asset allocation
We define the right balance of growth and defensive assets for your goals, timeframe, liquidity needs and risk settings. The result is a portfolio built around your life, not a market trend.
02
Investment selection and implementation
We research and recommend an appropriate mix of investments, which can include ETFs, managed funds and direct equities. Every recommendation comes with a clear explanation of its role, costs and risks.
03
Ongoing monitoring and rebalancing
We monitor your portfolio for asset allocation drift, concentration risk and material changes to the investments you hold. When a change is warranted, we explain the reasoning and help you put it into action.
04
Tax-aware portfolio decisions
An investment decision cannot be considered in isolation and where an asset is held or the tax consequences of changing it needs to be part of the decision-making. We consider superannuation, personal ownership and trust structures as part of the strategy, and coordinate with your accountant where specialist tax advice is required.
Testimonials
We've helped Australians retire with confidence since 1986
“I have been a client of Profile Financial Services since 1999 and have been extremely happy with their service.
Scott Unngaro has been Financial adviser for the last 13 years and his insight, knowledge, service and advice has been exceptional I cannot thank him enough for what he has done regarding my portfolio. He truly goes above and beyond to meeting my needs. I highly recommend him to any potential client”
Michael Safi
“Kurt listened to our goals then implemented risk managed strategies to help achieve our goals. Kurt proactively monitors our managed funds, is well backed up with research and experience and always takes the time to explain things clearly.”
Stephen Foley
“Scott Ungaro of Profile Financial Services is highly recommended by my family and I,who have always been given very responsible and well advised actions over the years to safe guard our financial long term investments.”
David Cremona
Learn
Frequently Asked Questions
Get to know more about us and how we can help you before you start a conversation.
What is portfolio management?
Portfolio management is the ongoing process of aligning your investments with your goals, time horizon, risk settings and income needs. It includes asset allocation, investment selection, implementation, monitoring, rebalancing and regular review.
How is portfolio management different from financial planning?
Portfolio management focuses on your investments. Financial planning connects those investments to the rest of your financial life, including cash flow, superannuation, retirement, tax-aware structures, insurance and estate planning considerations. At Profile, your portfolio is managed as part of that wider picture.
Can you advise on investments held inside and outside super?
Yes. We can coordinate a strategy across superannuation, personal investments and trust structures. We consider the purpose, timeframe and tax position of each structure so the investments work together rather than in isolation.
What does a financial adviser do in Australia?
A financial adviser helps you make informed decisions about your money, including superannuation, investments, insurance, retirement planning, cash flow, tax-aware structuring, estate planning considerations and long-term wealth strategy.
In Australia, personal financial advice must be provided by an authorised adviser who is listed on the Financial Advisers Register. Advisers also need to meet conduct and disclosure obligations, including acting in the client’s best interests when providing personal advice.
When should I seek financial advice?
You should consider financial advice when your financial decisions become complex, high-value or long term. Common triggers include buying a home, starting a family, receiving an inheritance, changing jobs, receiving equity or bonuses, preparing for retirement, selling a business, managing tax, or deciding how to invest surplus income.
Good advice is not just about investments. It is about creating a clear plan, understanding trade-offs and making sure decisions across tax, super, insurance, debt and estate planning work together.
How do I choose a good financial adviser?
Look for an adviser who is properly licensed, transparent on fees, experienced with clients like you, and able to explain advice clearly. ASIC’s MoneySmart recommends checking an adviser’s qualifications, experience, fees, services and whether they have any links to product providers.
A good adviser should take time to understand your goals, explain alternatives, disclose costs and risks, and give you space to make informed decisions.
What should I expect from a financial advice process?
A strong advice process usually includes discovery, goal setting, strategy development, written recommendations, implementation and ongoing review.
For personal advice in Australia, clients may receive a Statement of Advice explaining the advice, the basis for the recommendations, relevant costs, benefits, risks and any conflicts or remuneration. ASIC guidance emphasises that advice should be clear, concise and effective.
How much does financial advice cost?
The cost depends on complexity. A simple advice engagement may be relatively contained, while comprehensive advice covering superannuation, investments, insurance, retirement modelling, tax structures and estate planning coordination may cost more.
Best practice is for fees to be clear upfront, agreed in writing and linked to the scope of advice. Clients should understand whether fees are fixed, hourly, ongoing, asset-based or a combination.
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