"Grant has been a pleasure to deal with as our financial planner, and I would recommend him to anyone."

The SOA was a good report and we thank you and your team for the detailed and comprehensive coverage of our affairs.  We continue to respect, trust and be satisfied with Principal Edge’s service and advice.

Many thanks and kind regards

“I have been consulting to Joel since 2010 and have been extremely impressed by his professionalism, his knowledge and his extremely good advice. I can highly recommend Joel!” 

“Joel has provided personal financial advice to my wife and I for over 6 years. During that time, he has demonstrated a significantly high level of integrity and trustworthiness. As a client, I am always impressed by Joel's knowledge of the various financial products available in the insurance and risk, superannuation, managed investments, and personal lending markets. My overall experience has been extremely positive, and I strongly recommend Joel and his team at Principal Edge.” 

Dear Bruce,

I am writing this letter to thank you and your team for all of your help and support over the past 10 or so years, but more so in the past 3 years.

As you know, it has been a very difficult time for (us), and all I can say is that Principal Edge made a very difficult situation a little easier. I didn’t realise just how much support or help that we would receive from Principal Edge. 

I was originally sceptical when we first came to Principal Edge and we took out the recommended insurance policies, particularly those around salary continuation.  From my perspective, people take out insurance policies in the hope that you will never have to use them, and unfortunately we had to use ours--and I am thankful that over the past 3 years we had a regular income and this is due to having insurance that was recommended by Principal Edge.   At a time of personal stress, having the additional worry of financial concerns would have been unbearable.  I recall talking to the Social Worker at the hospital and she was asking about our financial situation.  I advised her that we were pretty much under control and I remember that she commented that I was the first person that she had come across all year that she didn’t have to try to find some kind of financial help and support.

I also appreciated the proactive support with consolidating our financial position.  I simply did not realise just how much simpler it was to organise our affairs at this point in time and how this has helped me finalise our affairs and have peace of mind at such a difficult time.  In addition, your proactive support in helping me with the Estate and my personal financial position has left me in a position where I understand my personal financial position and what options are available to me.

We had our personal affairs up-to-date and that our financial affairs were in safe hands with Principal Edge.

With thanks and kind regards

I wanted to thank you and the team at Principal Edge for all the assistance that you provided in relation to my recent Critical Illness claim.

I did not fully appreciate the need for insurance, the need for good advice to get the right covers in place and the importance of choosing the right insurer until now.

Thanks again for your advice over the years and help with this claim.

My wife was 28 at the time of a serious car accident.  We were unaware of the full repercussions and the financial impact this would have on us.  After a couple of months with only 1 stream of income, as well as the many doctors' & specialists' bill's to pay.

Thankfully at the time of setting up our savings plan with Principal Edge my wife (who previously had no Income Protection Insurance or TPD Insurance) decided to get cover. 

Principal Edge advised us that we could claim for reimbursement of loss of income under our insurance plan. 

The process was very simple with Principal Edge arranging the claim forms to be sent to us, and all we did was fill them in and send them back for payments to be made. 

The second income stream was provided and this helped cover medical expenses and doctors’ bills, as well as start to get our savings back on track. 

We made the right decision to get the insurance. If the accident had been more serious or happened to me, we would not have been covered for many years.  

It is a pleasure to record my thanks to all the Principal Edge crew especially Bruce Kluk for the efficient and professional way that our investments have been managed and developed over these many years.  I often recommend Bruce to my colleagues to help them develop their retirement strategies.  Being a very busy professional, it is comforting to know that our investment strategies are being continually reviewed and observed to ensure the best outcome for us.   

When I was looking for a financial advisor, it was important to choose someone who not only was supremely competent, but was also someone in whom I could absolutely trust and depend. My financial status is not something I divulge, so you could say that Bruce Kluk and his team are in a unique position! However, I feel that the privilege works the other way. The team at Principal Edge is discreet, approachable and yes, absolutely trustworthy and dependable. Nothing is too much trouble to check and explain. I feel comfortable dealing with all the staff and I certainly feel that I receive personalised attention. I have complete confidence in having all my financial concerns managed by ALL the team at Principal Edge.

My wife and I have been clients of Principal Edge for 10 years. Looking back on the earliest portfolio review and comparing it with our latest far more sophisticated, comprehensive version is a reminder of just how far investment advice has come in a decade.

We look upon investment advice in the same way as any other professional services relationship. It is a partnership that must meet a variety of tests. Advisor and client must build mutual respect, trust, transparency, discretion and honesty. Without that, no professional relationship can last. The chemistry must be right too. Sound investment practices depend on client participation and learning.

In our experience Principal Edge has always operated according to these qualities. We have been well satisfied by the professionalism of the small, expert and responsive team we have dealt with.

With the right Advisors, saving and investment is a rewarding discipline and we count ourselves fortunate to have found Principal Edge. 

We were referred to the Principal Edge for financial advice about six years ago. Bruce Kluk came to our house one evening as we run a busy medical practice and have no time during the day to attend meetings.  Our financial affairs were really in disarray. 

We had a self-managed superannuation fund and a few "family" investments. 
We had immediate rapport with Bruce who, on that very first evening, initiated financial advice.  Since that time our investments for a secure future retirement have gone from strength to strength. 

The investments are wide ranging, including shares, property and overseas interests.

We are really happy with Principal Edge, the integrity of this company and sound advice for our future is without comparison.

Principal Edge Financial Services have been providing advice on superannuation issues to Sydney Fish Market Pty Ltd and its staff for a number of years. Their advice has included:

• Conducting educational seminars for Sydney Fish Market employees on superannuation, retirement planning and investment strategies.
• Providing advice to individual employees.
• Advising the Sydney Fish Market Pty Ltd Superannuation Policy Committee.
• Evaluating the performance of superannuation fund managers and advising on an appropriate default investment strategy.

During this time, I have been impressed with the high degree of professionalism displayed by Principal Edge in providing soundly based advice.

In summary, Principal Edge Financial Services has provided excellence in delivering professional advice and education programs to Sydney Fish Market Pty Ltd and its employees.

Principal Edge had proven to be an outstanding resource for HDS and my team. With their assistance, we have substantially increased the awareness of the Employee Benefits we offer our staff in the last 12 months.

The support of the Principal Edge team in tailoring communications, management of often sensitive issues and driving specific areas of our Employee Value Proposition assists me, and the members of my team, to focus on what I do best.

This in turn contributes to my ability to illustrate Return on Investment for the HR function in the business.

Principal Edge’s focus on building long- term relationships with their clients has certainly been evident in my experience and I would have no hesitation in recommending their services to any company that is serious about becoming an “Employer of Choice”.

In 2010 Yvonne’s¹ husband Mitchell, aged 51, tragically suffered a heart attack and died soon after.

She was left to care for her 3 children, the two eldest were studying for their university degrees, and she had a daughter aged 12. Although Mitchell had some life insurance, Yvonne was left with the prospect of re-entering the work force and / or selling the family home in order to provide adequate care for her family. Yvonne had been out of the workforce for some time and had lost confidence in her ability to obtain employment that would provide a reasonable income stream and still be flexible enough to allow her to be at home when her youngest daughter finished her school day.

On seeking assistance from one of a Principal Edge financial advisor we identified how a combination of strategies could be introduced to solve her immediate cash flow problems.

Specifically:

• Yvonne re-structured her finances and settled all non-deductible debt.
• She established a discretionary family trust with a corporate trustee.
• She set up a loan account using the balance of the available capital which included the life insurance proceeds. 
• Yvonne then appointed herself and her 3 children as beneficiaries of the trust.

As two of her three children had attained the age of 18, the effect was a substantially reduced income tax liability and a highly tax efficient investment income stream for the foreseeable future.

The result of removing the cash flow stress and delaying significant financial and lifestyle decisions was pivotal in Yvonne getting back on her feet during a time of personal crisis. In fact returning to work and selling the family home was now optional, and in the meantime the family lifestyle income needs were met.

More importantly, Yvonne can now afford the time to care for her young daughter and will use the time to re-train and re-build her confidence for any future employment opportunities that come her way. 

¹The names have been changed in this case study for privacy reasons.

I feel very fortunate to have been referred to Principal Edge Financial Services 12 years ago, to develop a wealth management plan. At this time it was recommended that I hold income protection insurance, to secure my financial future, in the event of an accident. Some years later I sustained a serious injury, and was very grateful, I listened to the advice I had been given. The ongoing support Principal Edge, in particular, Joel Edelman, has given me during this difficult time, goes beyond the expected service you would receive from financial advisors, without this advice and support my circumstances would be vastly different.