Fin-X Wealth - how our strategic investment process works

INVESTMENT PROCESS

The purpose of outlining our investment process is to provide you with a clear and concise overview of our strategic approach and service offering.

Our process is to commence with the end outcome in mind. This involves ascertaining what you are striving to achieve from a high-level strategic perspective. Once this is established a clear and realistic roadmap can be constructed to achieve your desired outcome.

We place significant emphasis on data driven deep analytics, drawing on numerous resources – which includes Bloomberg, Bloomberg Intelligence, Morningstar, FactSet, McKinsey, and access to individual broker research both domestically and globally.

The FIN-X style is reflected in the production of our own content which is available to you as a client.

Our investment committee is a mix of experience, pedigree and diversity.

We apply rigor and constantly question and hold each other accountable with one purpose in mind – to deliver the best investment outcomes to you.

FIN-X investment committee:

Brett Careedy

(Co-founder)

Brett is a founding principal of FIN-X, which currently operates under its own financial services license (AFSL). He is a responsible manager (RM) under Fin-X Wealth’s AFSL.

Brett commenced in financial markets in1993, having worked for a number of well known organisations:

— UBS

— ABN AMRO Morgans Limited (which later became RBS Morgans and then Morgans Financial Limited)

Brett has a depth of experience having held senior management positions. At RBS Morgans, Brett was a senior member of the management team and executive committee. Whilst at the Richmond office, he was head of compliance and co-managing director of the Morgans Financial Richmond office.

As a senior adviser, Brett has serviced both wholesale and retail clients.

Competencies: Strategy, investment, superannuation, insurance (personal & business) RG146 competent, derivatives ADA1 & ADA2, margin lending.

Nav Muniratna

(Co-founder)

Nav is a founding principal of FIN-X, which currently operates under its own financial services licence (AFSL). He is a responsible manager (RM) under Fin-X Wealth’s AFSL.

Nav commenced his career in financial markets in 1998. He has worked for a number of well known organisations having worked at:

— ANZ McCaughan Securities

— Credit Suisse. First Boston

— Challenger First Pacific

— Bell Potter

— ABN AMRO Morgans Limited (which later became RBS Morgans and then Morgans Financial Limited)

Nav has held senior management positions, having been on the executive committee of RBS Morgans Melbourne office. He was the Head of Desk for the Melbourne office since 2006, being 2IC for the retail operations. In 2010 he co-founded the Morgans Richmond office under Brerona Capital Advisors, which held the management rights to that office.

Competencies: Investment advice – RG146, derivatives ADA 1 & ADA 2, financial

Toby Lewis

Investment Committee - Head of Strategy
CFA, FRM, GAICD

Toby Lewis

Investment Committee - Head of Strategy CFA, FRM, GAICD

Toby’s career began in institutional funds management in London in 1995. He held positions at Swiss Reinsurance, GLG Partners (then a division of Lehman Brothers) and State Street Global Advisers. He worked across a range of back-and middle-office functions including risk, compliance, performance attribution, administration, valuations and reporting. In these roles he supported portfolio managersacross a wide variety of traditional long-only, ALM, and hedge fund strategies. Clients included HNW families, sovereign wealth funds, insurers, central banks, and other official institutions.

Since 2003, he has specialised in wealth management solutions, covering macro-economic research, manager selection and portfolio construction.

Prior to relocating to Australia in 2010, Toby held roles in research and portfolio management at SG Global Private Banking and HSBC Private Wealth Managers. During that time, he specialised in Asia-Pacific and Emerging Markets.

In Australia, he worked in manager research for Standard & Poor’s and UBS Wealth Management, before joining Citibank Wealth Management as an Investment Strategist, eventually heading the Research and Advisory team.

Immediately before launching Harbour Reach in 2018, he was Chief Investment Officer and a member of the executive team of ASX-listed licensee, Centrepoint Alliance.

Toby holds a Bachelor of Laws honours degree and a Maîtrise, both in English and French law, from the Universities of London and Parisrespectively. He also holds a Master’s degree in Financial Economics from the University of London. He is a CFA charterholder, acertified Financial Risk Manager, and a graduate member of the Australian Institute of Company Directors.

Toby is also a member of the CFA Society of Australia’s Professional Learning Committee, leading the Portfolio Management and Wealth Planning stream.

Jacqueline Fernley

Chief Investment Officer
(CIO - Mason Stevens)

Jacqueline has over 25 year’s’ experience leading teams and developing products within the financial services sector. She is a highly experienced investor, knowledgeable across all asset classes. Jacqueline brings a deep understanding of Equities, having managed portfolios across the asset class both domestically and internationally, resulting in a vast frame of reference of business strategies across multiple sectors.

As Mason Steven’s Chief Investment Officer (CIO), she leads our asset management specialists, and plays a crucial role in developing our client coverage models leveraging her deep understanding of financial markets across a breadth of asset classes, strategic asset allocation and strategy implementation.

Prior to joining Mason Stevens in 2022, Jacqueline has previous held roles such as Head of Equities at JB Were, Australian Equity Portfolio Manager at CFSGAM, Head of Research at Wilson HTM, and Portfolio Manager and Head of Research at Magellan. She is also intimately involved in mentoring and supporting women in the financial services industry, ESG and modern slavery issues, regularly presenting to investment committees, boards and management on the topic.

Jacqueline has a Bachelor of Commerce/Law degree, is a holder of the Chartered Financial Analyst (CFA) designation and is a graduate of the Australian Institute of Company Directors (GAICD).

Celia Green

Research - Head of Life Sciences & Biotechnology
B.Pharm, MBA (AGSM)

Celia’s depth of knowledge and experience of Biotechnology and the Pharmaceutical industry has been obtained in a career spanning nearly three decades.

Having initially worked at a number of leading global pharma and biotechnology companies, Celia formed Bioscript, her own company 20 years ago.

Celia’s knowledge base extends across disease states covering, cardiovascular, oncology, CNS, diabetes, haematology, respiratory, vaccines & virology.