We offer you our range of personal risk insurance, superannuation and financial planning services to help you with your different life stages. For example, as your Income fluctuates with different jobs; as your level of debt changes; when you may have a partner; as you may have children; as your children grow up becoming more financially independent, and as you strive for a financially secure retirement.

As your circumstances change you should always regularly review your insurance, superannuation and financial planning needs and objectives so that you have the appropriate products and levels of cover.

During our first meeting we go through how we work with you including looking at your needs and objectives by completing a detailed needs analysis covering such areas as what your want to achieve consider your current situation and then establish strategies to help you achieve your goals.

We then analyse your situation and present you with our recommendations in a document called a Statement of Advice. We then discuss the recommendations with you and implement the course of action that you feel most comfortable with.

We recommend that you take advantage of our complete Professional Financial Analysis. This service is tailored to your needs and could include:

  • Wealth Creation
  • Retirement Planning
  • Managing Redundancy Payments
  • Income & Growth Investments
  • Investments to Increase Income
  • Saving to Retire
  • Maximising Centrelink Benefits
  • Regular Savings Plans for Other Purposes
  • Gearing Strategies
  • Range of Investments to suit Individuals.

Choosing an investment requires you to consider a number of issues and these include:

  • your investment goals
  • your timeframe for investing
  • your tolerance to risk
  • your current financial position and
  • the level of investment diversification.

We can help you to select an appropriate investment for your needs.

Our range of services to help you with your different life stages also include…

  • pay for food, and other day-to-day expenses
  • pay for rent or home maintenance costs
  • help you meet mortgage or other debt repayments
  • pay for any transport costs you may have
  • help contribute towards any medical expenses

Type of Solution

Insures against...

You might use the benefit to…

Life Insurance

Provides a lump sum in the event of Death.

Life Insurance can help your dependants cope financially, after you die.

  • pay for funeral and estate costs

  • pay off the mortgage or any other debts that may affect your family’s and/or dependants financial future

  • pay for child care or home help to support the remaining partner

  • provide a reserve that can be used as income should the remaining partner be unable to work or decide not to work

Income Insurance

Provides an Income Stream in the event of your inability to work due to sickness or injury.

It can help you meet your basic living expenses if you have to stop work due to sickness or injury.

Trauma Recovery Insurance (Some call this Living Insurance)

Provides a lump sum on diagnosis of Traumatic medical conditions (including cancer, heart attack, stroke, coronary by-pass surgery and angioplasty).

It can help you cope financially with the effects that a trauma will have on your life.

It can help remove the financial stress and pay for changes you may need to make to your lifestyle.

  • pay for recovery costs including rehabilitation

  • pay for changes to your lifestyle, for example, refit your home

  • enable your partner to reduce their working hours to look after you, or alternatively to get a carer

  • pay off debts

  • provide a reserve to use as an income

Total and Permanent Disability Insurance

Pays a Lump Sum in the event a total and permanent disability stops you from ever working again.

It can help you cope financially with a total and permanent disability

  • pay for disability related costs including rehabilitation

  • pay for changes to your lifestyle, for example, refit your home

  • enable your partner to reduce their working hours to look after you, or alternatively get a carer

  • pay off debts

  • provide an income for you and your dependants

Business Expenses Insurance

The inability to work due to sickness or injury Illness and injurious events.

Business Expenses Insurance can help your business cope financially with your inability to earn the business an income because of sickness or injury.

  • pay for rent electricity, water, gas

  • pay for employees’ salaries (not your replacement)

  • make regular business loan repayments

Superannuation

Insures against not having enough money to maintain your desired retirement lifestyle Provides a Lump Sum and/or Pension.

  • helps fund your future lifestyle

Financial Planning

Insures against you not meeting your financial needs and objectives

  • It helps you achieve and maintain a quality financial lifestyle

You should always read the product providers' Product Disclosure Statement (PDS) before deciding whether to buy or continue to hold a product. These can be obtained from your Authorised Representative.

What will it cost…

When you purchase a life insurance product we may receive a payment called brokerage (commission), which is paid to us by financial product issuer when a product is placed with them, alternatively you may pay a fee for service or a combination of both fee for service and brokerage. We will discuss with you the options available.

Please note that our business never takes commissions from investment or superannuation products. Commissions for these types of products are rebated in full and our practice charges a fee for service instead. Our standard fees can be seen in our financial services guide.

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