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Construct Wealth is an independent financial advice business founded by Phil Harvey and Naomi Horobin, dedicated to providing unbiased and conflict-free financial guidance to their clients. With a focus on helping individuals make informed decisions about their money, Construct Wealth aims to empower clients to achieve their financial goals and secure their future. As founding members of the Profession of Independent Financial Advisers (PIFA), Phil and Naomi adhere to the PIFA Gold Standard of Independence™, ensuring that clients’ best interests always remain at the core of their recommendations.

specialising in assisting busy professionals, executives, and business owners, Construct Wealth offers a range of services including financial planning, investment advice, and insurance solutions. Phil and Naomi’s practice is designed to eliminate any potential influence from commissions or sales obligations, allowing them to recommend a diverse range of products tailored to each client’s unique circumstances and needs. By providing holistic financial solutions and access to a network of specialist professionals, Construct Wealth aims to help clients navigate the complexities of financial planning with confidence.

With a combined experience of over 30 years in the financial industry, Phil and Naomi bring a wealth of expertise to Construct Wealth. Their commitment to delivering personalized and easy-to-understand advice sets them apart in the industry, focusing on areas such as cashflow management, wealth creation, retirement planning, and estate planning. By prioritizing client education and long-term financial success, Construct Wealth strives to empower individuals to take control of their finances and build a secure foundation for the future.