Financial Advisers

Have you ever thought about what would happen to you and/or your family if the source of your income ceased?

Insurance Cover

• Life Insurance
• TPD (Total Permanent Disability) Insurance
• Trauma/Critical Illness insurance
• Income Protection insurance

Through our advice processes we can determine what your level of financial risk is and if cover is required what is the most suitable policy for your circumstances.

You’re unlikely to need insurance cover forever and insurers often make changes to their policy terms just like any other service provider. As qualified advisers we are up to date on the insurance products on offer by most insurers which allows us to at least annually compare your existing policy(s) to ensure you are competitively covered.

Insurance Claims

The test of any insurance policy is best measured when a claim is made. We have considerable experience in this aspect and are able to expertly advise in the claim process from start to finish including:

• Claim eligibility
• Assistance with claim forms
• Claim proceeds investment advice

Have you ever thought about how much you need to retire on or am I making the most out of my savings?

These are common questions we are asked and the answer depends almost entirely on your goals, objectives and circumstances. Our advice processes will breakdown these questions into the various aspects they touch on and help you consider your options and build a picture as to what the future might look like. As we say “you can’t change your destination overnight but overnight you can change your direction ”

We can offer practical advice on a range of financial matters including:

Superannuation

• Industry, Retail and SMSF Funds
• Consolidation of superannuation accounts
• Contribution limits
• Health checks on performance & fees
• First Home Super Saver Scheme (1st Home Buyers)

Retirement Planning

• Pre-retirement planning
• Superannuation Pensions & Transition to Retirement (TTR)
• Government Support entitlements

Wealth Creation

• Budgeting & managing cashflows
• Developing Investment goals & plans
• Wealth preservation & investment advice
• Debt reduction & Tax structuring
• Asset allocation & investment mix
• Savings/education plans & Family assistance

Have you ever thought about what happens if you no longer have mental capacity? Who can make decisions for you & what decisions can they make? Who controls your assets when you die?

Not pleasant questions or matters to deal with but the consequences of not addressing them while you can are probably much more unpleasant.

Everybody should have a Will and everybody should consider the need for an Enduring Power of Attorney and an Enduring Power of Guardianship.

We offer services that can address these issues and provide insight as to the reasons why you need to consider these appointments as part of a wholistic financial plan.

To the extent that legal advice is required we have trusted referral partners who can provide specific and tailored advice and prepare any necessary documentation.