It all starts with a conversation
It’s time to stop treading water and build confidence with a better performing business.
23 Hamilton St,
Subiaco WA 6008
It’s time to stop treading water and build confidence with a better performing business.
23 Hamilton St,
Subiaco WA 6008
Your wealth should work for you — quietly, efficiently, and without the emotional rollercoaster of market fluctuations.
We build and manage diversified portfolios using low-cost ETFs, so you can focus on what matters most while your investments grow strategically in the background.
Strategic asset allocation matched to your risk profile means you’re not waking up at 3am checking portfolio values or reacting emotionally to headlines.
No more researching stocks, reading fund prospectuses, or second-guessing allocation decisions. We handle rebalancing, tax optimisation, and performance monitoring.
We don’t chase hot tips or try to time the market. Our portfolios use low-cost ETFs with proven long-term track records, keeping total costs below 1%.
Your financial planner and accountant work together — no blind spots, no missed opportunities, no conflicts between investment strategy and tax planning.
We charge a single annual fee based on funds under management. No hidden costs, no performance fees, no surprise charges. What you see is what you pay.
Total portfolio costs under 1%: We use low-cost ETFs (typically 0.05–0.25% p.a.) to build your portfolio. Combined with our 0.75% fee, your total annual investment cost stays well below 1%.
Why this matters: Every 1% in annual fees can reduce your portfolio value by over 20% across 25 years. Keeping costs low means more wealth stays in your hands.
We facilitate comprehensive estate planning for clients. Led by your financial planner and accountant working together, we ensure nothing gets missed — from wills and powers of attorney to testamentary trusts and asset protection.
Why integrate estate planning with wealth management? Your financial planner and accountant see the full picture — investment strategy, tax structures, cash flow, family goals. This coordination ensures your estate plan aligns with your wealth strategy and nothing falls through the cracks.
We don’t chase short-term gains. Our portfolios are built for long-term growth with evidence-based asset allocation. Below are trailing returns for our three core portfolio strategies.
| Portfolio | 6 Month | 1 Year | 5 Year* | 10 Year* |
|---|---|---|---|---|
| High Growth | 9.40% | 21.07% | 13.37% | 13.57% |
| Growth | 9.00% | 19.25% | 11.21% | 12.05% |
| Balanced | 7.27% | 15.11% | 8.46% | 9.96% |
*Returns as at 28 February 2026. 5 year and 10 year returns are annualised. Past performance is not indicative of future results.
Book a conversation with Paul Cramer to discuss your goals, risk profile, and how we can build a wealth strategy that works quietly in the background while you focus on living your life.
Book a Wealth Strategy MeetingKHT Wealth ABN 12 610 996 686 | ACN 610 996 686 | AFSL 524106. All fees quoted exclude GST unless otherwise stated. This page provides general information only and does not constitute personal financial advice. View our Financial Services Guide.