Construct Wealth

Construct Wealth is led by independent financial advisers Phil Harvey and Naomi Horobin in Fyshwick. They assist professionals, medical practitioners, owners and families planning retirement, assessing each client's circumstances without financial incentives tied to recommended investment products.

Phil Harvey and Naomi Horobin work with professionals, doctors and owners who may be weighing investment choices, inheritance or retirement timing together.

Phil and Naomi advise people whose finances often need to be considered alongside demanding careers and family responsibilities. A medical professional or business owner may be accumulating assets while managing debt and providing for dependants. The practice begins with those circumstances before examining suitable strategies.

Advice covers investments, superannuation, SMSFs and the transition into retirement. The intended use of funds, investment horizon and personal tolerance for risk influence how savings and portfolios are considered. Personal insurance and protection advice also form part of the service where a change in health or employment could affect household plans.

Clients may start with a conversation with either adviser, agree on the required scope and then examine tailored recommendations. Construct Wealth's independent approach emphasises explaining the choices and practical responsibilities involved, rather than directing clients toward a particular provider.