Financial Planning

The professional advice offered by (company name) helps our clients to gain and retain control of their finances. We lead you through the process of setting your financial objectives, assessing your assets and resources, estimating your future financial needs and developing a plan to achieve your goals.

The sooner you start planning the more likely you will be able to achieve financial independence and long term peace of mind.


Many baby boomers will outlive their superannuation savings. While younger generations will have more time to maximise super balances at retirement, they may also have significant HECS-HELP debts. This was generally not an issue for previous generations.

As you approach retirement, a transition to retirement strategy or property investment through a self-managed super fund (SMSF) could help you build your superannuation balance.

There is no ‘one size fits all’ plan for wealth creation which is why we recommend you give the [company name]  team a call to organise a time to sit down and chat about what is best for your individual circumstances.

Wills and Estate Planning

With family units becoming more complex, estate planning has become an important part of your overall financial plan and can involve much more than a simple will. We will help you to ensure the investments you make now are passed on to your family and beneficiaries in the most efficient and tax effective way.


It is important to understand the various forms of property and personal insurances to protect both you and your home against unforeseen distressing circumstances.

The unexpected expense of repairing the structure of your property or replacing your valuable contents can be a costly exercise.

Make sure that everything important is covered and that you read and understand all policies.

It makes sense to ensure that you can continue to meet your commitments in the case of unforeseen events.

Income Protection Insurance

Income protection insurance (also known as salary continuance) covers a predetermined percentage of your monthly income (usually 75%) when you are unable to work for an extended period of time due to illness or injury.

Trauma Insurance Cover

or critical illness insurance provides a lump sum of money to cover immediate medical expenses and other financial needs when a critical illness or injury occurs. Trauma cover pays an agreed amount to cover you for many different issues such as heart attacks or intensive care.

TPD – Total and Permanent Disability

You can choose to cover yourself for either total or permanent disability or death options, providing you can no longer work or in the event that you die due to illness or accident. When combined with life insurance, this can provide security for you and your family for the rest of your life.

Life Insurance

Life insurance provides a lump sum payment to your beneficiaries in the event of your death. If you are the main income earner in the family, this insurance will help your family manage their future (eg paying out the mortgage, schooling and other family expenses) without your ongoing earning capacity.