Retirement planning cover opens up many questions such as:
- How much money is enough?
- Can I achieve the retirement lifestyle I want?
- What do I wish to leave behind for my loved ones?
We can help you answer all those questions by providing a complete and effective retirement plan ensuring yourself a steady income stream in the most tax efficient environment.
Superannuation is a tax efficient structure used as a form of long-term saving and its purpose is to provide you with an income stream in retirement. It is a tax advantaged form of long term saving.
Life insurance(death cover)/Total and Permanent Disability (TPD) risk protection plays a critical role in securing and protecting your financial future. Protection of yours and your families assets should be a priority and an integral part of any good financial plan.
Term Life Insurance
Term life insurance pays a benefit if the Insured Person dies or suffers a terminal Illness while Total and Permanent Disablement (TPD) insurance pays a benefit if the Insured Person becomes totally and permanently disabled. Term Life insurance can be used to help your family pay outstanding debts and to cover the costs of their future financial needs such as funding your children's education or rehabilitation costs.In Australia, Life Cover and Total Permanent Disability can be included in your superannuation and thus provide a tax advantaged way of paying the premium on your Life and Total Permanent Disability cover.
Income protection provides a monthly benefit to replace a portion (up to 75%) of the income lost when the Insured Person is unable to work at their full capacity due to sickness or injury. This will assist you in maintaining your ongoing income and lifestyle expenses. (i.e supporting your mortgage repayments).
Trauma Insurance pays a benefit if the Insured Person suffers from one of a defined list of specified medical events such as cancer, stroke or heart attack. Living Insurance can help with major expenses, providing financial peace of mind during your recovery.
Business Overheads pays a monthly benefit for the day to day costs of running a business if the Insured Person is disabled because of sickness or injury and is unable to work at their full capacity in their business.
Is your current Will up to date? Estate Planning is vital to any financial plan and extends to asset protection and the ongoing minimisation of income tax for your beneficiaries.
Estate planning is designed to reduce the financial suffering and to minimise the risk of family disputes of those left behind upon your demise. At A & T Financial we work alongside trusted lawyers specialising in estate law to ensure you get the best possible service for your affairs.
Our investment advice is driven only by what is in the best interests of our clients. We advise on a full range of investments including cash, fixed interest, property and Australian & international shares / equities. Asset allocation and investment portfolios are tailored to each client's investment objectives and risk profile. Portfolio construction is largely based on independent research and analysis combined with in-house expertise and our philosophy of investing.
We offer a range of business solutions which can be tailor uniquely to a business's needs such as:
- Buy/Sell agreements
- Key man Insurance
- Business overheads insurance