Financial Guidance Built on Real Experience
We're not your typical investment advisors. Our team spent years making the same mistakes many investors make—and we learned from every single one. Now we help Australians build investment strategies that actually work for their situation.
How We Approach Common Investment Challenges
Most investors face similar obstacles when building wealth. Here's what we see regularly and how we help people work through them.
Portfolio Concentration Risk
Many investors put too much into a single sector or stock type. It feels safe when things are going well, but market shifts can hit hard.
Our Solution
- Asset allocation review across different sectors
- Geographic diversification strategies for Australian investors
- Regular rebalancing schedules based on market conditions
- Risk tolerance assessment that matches actual circumstances
Tax-Inefficient Trading
Frequent buying and selling creates unnecessary tax events. People lose a surprising amount to capital gains they could have avoided.
Our Solution
- Tax-loss harvesting during appropriate periods
- Timing strategies for capital gains realization
- Superannuation contribution optimization
- Franking credit maximization for Australian dividend investors
Emotional Market Reactions
Market volatility triggers panic selling or overconfident buying. Both usually happen at exactly the wrong time.
Our Solution
- Pre-established response plans for market corrections
- Dollar-cost averaging implementation during volatile periods
- Regular portfolio reviews to prevent reactive decisions
- Clear investment objectives that anchor decision-making
The People Behind the Advice
We've all been on the other side of the desk. Each of us started as regular investors figuring things out. That experience shapes how we work with clients today.
Darren Pembroke
Senior Investment Advisor
Darren spent 15 years managing his own property investment portfolio before transitioning to financial advising. He focuses on helping clients balance growth assets with income generation—particularly for pre-retirees who need both.
Filip Kolodziejczyk
Tax Strategy Specialist
Filip worked as a tax accountant before joining Mineralx in 2023. He noticed how many investors left money on the table through poor tax planning. Now he helps clients structure investments to minimize unnecessary tax burdens within Australian regulations.
Reuben Doig
Portfolio Analysis Lead
Reuben survived the 2008 financial crisis with his investments intact—but only after some painful lessons. He specializes in risk assessment and helping clients build portfolios that can weather market downturns without forcing panic decisions.
What Makes Our Approach Different
We get asked this a lot. Here's an honest comparison of how we work versus traditional advisory models.
| Service Aspect | Traditional Advisory | Mineralx Approach |
|---|---|---|
| Initial Assessment | Standard questionnaire, generic risk profile | Two-hour discussion covering actual financial situation, past investment decisions, specific concerns |
| Portfolio Construction | Template-based allocations | Custom strategy built around your current holdings, tax situation, and timeline |
| Ongoing Communication | Quarterly statements, annual review | Proactive updates when markets shift, access to advisors between scheduled reviews |
| Tax Coordination | Separate from investment advice | Integrated into every investment decision |
| Education Focus | Limited client education | Detailed explanations of strategy rationale, market context, decision factors |
| Strategy Adjustments | Annual rebalancing schedule | Flexible adjustments based on market conditions, life changes, or tax opportunities |
| Fee Structure | Percentage of assets under management | Transparent fixed fees or percentage-based (client choice), no hidden costs |
We're not suggesting traditional advisory services are bad—they work well for many people. But if you want more involvement in understanding your investments and having flexibility in how strategies adapt to your situation, our model might fit better. We typically work best with investors who have $150,000+ in investable assets and want an active role in their financial decisions.