Heritage, Philosophy and Advice

Our Story

Since 1988, Principal Edge Financial Services has been offering tailored strategic solutions across a broad spectrum of financial planning services. Bruce Kluk, business founder and Managing Director believes that our success and longevity has been built on an underlying aim to empower our clients to make sound financial decisions for their families and their futures.

Our experience shows that by adopting a consultative approach, our clients become more engaged and take ownership of their own actions. We maintain a focus on client outcomes, an approach that has not changed since the day we first opened for business. It has always been about clients and acting in their best interests; based on what is important to them and what they want to achieve.

We have been operating under our own licence since 1997 and this is a key factor in providing tailored  advice. We recognise the constantly changing landscape in financial services. Holding our own licence has allowed us to embrace legislative change and ensure that we are not dictated to as to what we can sell and to whom. We have remained privately owned and grown in the process.

Our Philosophy

We believe that financial planning is essentially about understanding client needs, delivering on these through exceptional customer service and attention to detail. It is about finding out what it is that is important to our clients in their life, their values and goals, then building a coherent strategy around this. We then match an appropriate service level to those needs. There is no room for a ‘one size fits all,’ product focused approach.

We position ourselves to act as a counsellor or strategic coach for our clients. People face some difficult decisions during their lifetime and it is our role to provide them with the guidance, understanding and support they need to make those decisions rationally, calmly and in possession of the facts. By being consistent in our approach and not influenced by outside ‘noise’ or ‘flavour of the month’ trends, we have built a professional practice that understands markets, but is not directed by them.

We maintain a fee-for-service practice, aligned to client needs and the level of contact they require each year. This creates full transparency for our clients and allows their meetings to focus on the financial planning matters that concern them.

Our Advice

Our consultative approach serves as our framework, but it is only the beginning. In accordance with your stated priorities, we will make our recommendations to you during our strategic planning presentation and review meetings. Specifically our solutions will focus on:

• Helping and protecting your family
• Protecting your lifestyle
• Planning for the expected and unexpected
• Creating financial comfort
• Building a legacy

Our advice process includes the crucial element of planning reviews. Through regular contact and guidance, you will feel empowered to make informed, educated decisions about your financial future and keep your plan on track.