Wealth & retirement
Advice you can hold someone to.
A named adviser, a written plan and portfolios built around what the money is actually for. Investing, retirement, estate planning and protection, under one roof.
Illustrative only. Past performance is not a guide to future returns, and the value of investments can fall as well as rise.
How we invest
We do not try to guess next quarter. We build a portfolio around your time horizon, your tolerance for a bad year and the tax rules of the country you live in — then we keep costs low and rebalance with discipline.
- Globally diversified across equities, bonds, property and alternatives
- Low-cost index building blocks, with active managers only where they earn their fee
- Five risk profiles, reviewed with you at least once a year
- Total costs disclosed in a single annual figure, in dollars, not basis points
Services
Six ways we help.
Retirement planning
Model when you can afford to stop, what you will draw and what happens if markets or health do not cooperate.
Financial planning
A written plan covering income, protection, tax and goals — reviewed annually, not filed and forgotten.
Estate & wealth transfer
Wills, trusts, gifting strategy and cross-border succession, coordinated with your legal advisers.
Pension consolidation
Bring scattered workplace pensions and rollover accounts into one plan, after checking what you would give up.
Online brokerage
Self-directed trading in shares, ETFs and funds across fourteen exchanges, with fractional orders.
Discretionary portfolios
Hand the day-to-day to our investment team from $250,000, with quarterly reporting.
Who you will actually deal with
Our investment committee sets strategy; your adviser applies it to your circumstances. You will have one name, one number and one email address for as long as you bank with us.
- Advisers are salaried — no product commission, ever
- Every recommendation comes with the reasoning in writing
- Committee minutes and allocation changes published quarterly to clients
- Second-opinion reviews of plans written elsewhere, at no charge
Protection
Insurance, arranged without the upsell.
Life cover
Term, whole-of-life and decreasing cover written into trust where that helps your estate.
Home & contents
Buildings, contents and renters' policies, including high-value and overseas property.
Motor
Private, classic and multi-vehicle cover, with an excess you choose rather than inherit.
Income protection
Replace part of your salary if illness or injury stops you working.
Accident & hospital cover
Lump sum and daily benefit policies that sit alongside state or employer cover.
Health & later-life cover
Private medical and later-life plans, with a clear statement of what is excluded.
Important risk information
Investments are not bank deposits. Their value can fall as well as rise and you may get back less than you put in. Past performance is not a reliable indicator of future results.
Tax treatment depends on your individual circumstances and on the rules of the country in which you are resident, and those rules can change. Oceans Pacific does not provide tax or legal advice.
Pension benefits are normally accessible only from a minimum age set by your jurisdiction. Transferring a pension may mean giving up valuable guarantees.
Figures shown on this page are illustrative and are not a forecast or a recommendation. Nothing here constitutes financial advice; speak to an adviser about your own circumstances before you invest.
Start with a conversation, not a product.
A first planning session lasts about an hour, costs nothing and ends with a written summary of where you stand — whether or not you go any further with us.