How It Works

Our Client Onboarding Process

We have designed our onboarding process to be thorough yet efficient, ensuring all compliance requirements are met while respecting your time.

Step 1: Initial Conversation

We begin with a confidential discussion to understand your objectives, circumstances, and requirements. This can be conducted by phone, video call, or in person at our Melbourne office. There is no obligation and no fee for this initial conversation.

Step 2: Proposal & Agreement

If we mutually agree to proceed, we provide a written proposal outlining:

• The services to be provided
• Our fee structure (fixed, percentage-based, or project)
• Key terms and conditions
• Next steps

Once you are comfortable with the proposal, we execute a formal Client Agreement.

Step 3: Compliance & Verification

As a licensed financial services provider, we are required to verify the identity of all clients and conduct appropriate due diligence. You will be asked to provide:

• Certified identification documents (passport, driver's licence)
• Proof of residential address
• Bank account details for transactions
• Source of wealth information (where applicable)

This process is standard across the financial services industry and typically takes 2–3 business days to complete.

Step 4: Account Establishment

Once verification is complete, we establish your personal custodial account. You will receive:

• Your unique bank account details
• Secure login credentials for the client portal
• Funding instructions (if applicable)
• Welcome pack with key contact details

Step 5: Funding & Activation

You transfer funds to your designated personal custodial account via domestic wire transfer (Australian banks) or International SWIFT transfer (overseas banks). Funds are typically visible in your portal within 1–2 business days of receipt. Once funds are cleared, your account is fully active.

Deposits & Withdrawals

Adding funds:

Method	Timeframe	Details
Domestic wire transfer	1 business day	Australian bank to Australian bank
International SWIFT	2–3 business days	Foreign currency accepted (AUD, USD, GBP, EUR, JPY)
Transfer of holdings	Varies	Subject to custodian-to-custodian transfer process

Withdrawing funds:

Request Method	Processing Time	Settlement
Online portal	Same business day (by 2pm)	Funds transferred to nominated bank account
Phone instruction	Same business day	Subject to security verification
Written instruction	Next business day	Signed instruction required

A 0.25% transactional fee applies to all withdrawals. Minimum withdrawal: $10,000.

Fees & Charges

Service Type	Fee Structure
Custodial Services	Fixed annual fee
Wealth Advisory	Fixed retainer or project fee
Philanthropic Services	Fixed project fee
Withdrawal Fee	0.25% on withdrawals
Establishment Fee	Nil for standard accounts (subject to minimum deposit requirements)

Reporting

Report Type	Frequency	Content
Portfolio Valuation	Monthly	Current market value of all holdings
Transaction Statement	Monthly	All deposits, withdrawals, and trades
Income Statement	Quarterly	Dividends, interest, and distributions received
Tax Statement	Annually	Comprehensive report for tax compliance
Performance Report	Quarterly	Portfolio performance against benchmarks
Adviser Review	As agreed	Personal meeting or call with your adviser

Client Support

Issue Type	Contact Method	Response Time
General enquiries	hello@inviawealth.com	Within 24 hours
Urgent matters	+61 3 4328 3283	Immediate during business hours
Portal support	support@inviawealth.com	Within 4 business hours
Complaints	complaints@inviawealth.com	Acknowledged within 24 hours

Minimum Requirements

Criteria	Detail
Minimum deposit	$50,000 (or foreign currency equivalent)
Client location	Australian residents and eligible international clients
Entity types	Individuals, joint accounts, companies, trusts, SMSFs, charities