Life Insurance and Income Protection for Aged Care and Disability Support Workers
Income Protection for Aged Care and Disability Support Workers and Their Families
Your hours, shift and allowance pay, any second provider or NDIS work on an ABN, and any cover in super shape your cover. We help you look at any cover held, compare and apply, and lodge a claim with you.
Financial Advice for Life Insurance and Income Protection
Who We Help
- Residential aged care staff giving personal care to residents across morning, afternoon and night shifts
- Home care staff visiting older clients one after another in their own homes
- Disability support staff rostered in group homes or out on community outings
- Self-employed support workers invoicing participants, plan managers or a platform
- Part-time care workers on contracted hours who pick up extra shifts
- Casual and pool staff with no paid sick leave to draw on
- Workers with two payers whether two providers or a job and an ABN
- Team leaders and coordinators still doing hands-on care
- Care workers studying towards enrolled or registered nursing
We Can Help You
- Set out your care setting, hands-on duties and usual weekly hours accurately on a cover application
- Check how a policy’s income definition treats broken shift allowances, sleepovers, penalties and extra shifts
- Compare your contracted hours and the hours you usually work with any minimum a policy sets
- Read any units of income protection in your fund against what a claim could pay on your income
- Match the wait before income protection pays to any sick days, savings and the pattern of any casual roster
- Look at cover for income from any NDIS work on an ABN, alongside any employed role
- Read total and permanent disability (TPD) definitions against any transfers and personal care you do, and check whether own occupation is offered for your work
- Plan how a trauma payout could help with rent or repayments and missed shifts during treatment, with new trauma cover held outside super
- Revisit the amount of cover after a pay rise, a new level or a move into a team leader role
- Gather payslips, rosters and duty details from each provider for a claim lodged with you, then follow up the insurer
What we advise on
How Each Cover Works Around Care and Support Work
Income Protection
When illness or injury stops you working your shifts for a while, how could the household bills still be met?
Income protection can pay part of your income after a waiting period, helping the household keep running while you recover.
Together, we’ll weigh income protection against shift-based pay and the hands-on care you do.
Income protection usually replaces a percentage of your pre-tax income if illness or injury stops you working, after a waiting period and subject to the policy’s definitions. The benefit is usually based on your earnings in the 12 months before the illness or injury. A waiting period is the time before payments start, often 14 days to 2 years, and a benefit period is how long they can last, such as 2 or 5 years or to an age.
What we work through with you on income protection:
- Pool or casual rosters with no paid sick days, and any household buffer that would need to last until a benefit starts
- The benefit periods an insurer offers, which depend on the insurer and your occupation, compared for how long payments could last
- A minimum hours clause in some policies, set beside a part-time contract that may list fewer hours than you actually work
- Hours lost when a client leaves your run or a roster is cut, inside the earnings period a policy works a benefit out from
- Partial payments on policies that offer them, while you rebuild to full shifts on lighter tasks like companionship or meal preparation
- Any workers compensation for a lifting or transfer injury, and the offset wording that may lower what income protection pays each month
- Mental health conditions, and whether each policy’s disability wording handles them on the same terms as a back or shoulder injury
- Any driving between clients as part of the working day, described accurately on an application
Life Insurance
Who relies on the pay from your care work, and how would they manage if you were no longer here?
Life cover can pay a lump sum to your beneficiaries, helping your loved ones with debts and everyday costs.
We’ll work out a life cover amount from any debts, who relies on your income and any cover in super.
Life insurance can pay a lump sum to your beneficiaries if you pass away, and some policies include a terminal illness benefit. Life insurers usually ask about your age and job when you apply. Life cover in super usually ends at a set age, which the fund’s insurance terms set out.
What we work through for life cover:
- Any life cover still held in accounts opened with earlier aged care or disability providers, tracked down and counted towards your total
- Rent or repayments, groceries and any car costs for driving between clients, totalled to set a lump sum
- A terminal illness payment, if included, read for its definition and how early medical and care costs could be met
- Each super account’s beneficiary choice, limited to eligible people or your estate, read again after you leave a provider
- Cover for any partner who shares the rent or repayments, bills or care of children, considered at the same time as yours
- Any family overseas who rely on money you send, and who a fund’s nomination rules allow you to name
- A combined life and TPD policy, where paying out the TPD part first may shrink the life sum your beneficiaries receive
- The sum insured for life cover, revisited if your pay level rises, you step into coordination or you take on a home loan
TPD Insurance
Should hands-on care and every other kind of work be out of reach for good, what would fund the plans you’ve made?
Total and permanent disability (TPD) cover can pay a lump sum if you’re unable to work again, as the policy defines it.
Together, we’ll read each TPD definition on offer against the hands-on care you provide, and check whether own occupation is one.
A TPD policy can pay a lump sum if illness or injury leaves you unlikely ever to work again, under the policy’s own definition. Own occupation looks at your usual job, while any occupation looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super. Which definitions are offered can depend on the occupation, and TPD cover in super usually ends at a set age.
What we compare with you for TPD:
- An any occupation definition, which might point to rostering, intake or coordination jobs that any care qualifications could suit
- Whether an own occupation definition is offered for care work outside super, which depends on the insurer and occupation, beside any fund’s definition
- A daily living test on some policies, looking at tasks like showering, eating and getting out of bed, the same tasks you help others with
- Transfers, lifting and personal care duties recorded accurately when you apply for TPD cover
- TPD terms on any account from an earlier aged care or disability job, checked line by line before the balance is transferred
- A TPD lump sum sized against any debts, rent or repayments and the income years still ahead of you
- A TPD lump sum for work ending for good, as the policy defines it, weighed beside monthly payments for a long recovery
- The tax on a disability lump sum released from super, which can depend on your age and your super’s details, confirmed by your accountant
Trauma Insurance
Through treatment for a serious illness, how could the costs and the time away from your clients be met?
A trauma payout can help with costs when a listed condition meets the policy’s definition and isn’t excluded.
We can set out with you what a trauma policy lists, and where a lump sum fits beside any income protection.
A trauma policy can pay a lump sum when a listed condition meets the policy’s definition and isn’t excluded. Medical definitions can be different between insurers, and trauma insurance does not cover mental health conditions. New trauma cover can’t be held inside super, which has been the rule for policies written since 1 July 2014.
What we read with you in a trauma policy:
- The medical tests in each listed condition’s wording, such as how far an illness must progress for a trauma claim to be paid
- Part payments some insurers make for a condition diagnosed at an early stage, and any severity scale a policy uses
- A trauma payout for rent or repayments and groceries while any income protection claim is still in its waiting stage
- Missed shifts while you recover from surgery or treatment, if you’re casual or on an ABN with no paid sick days
- Trauma bought as an add-on to life insurance, so paying the trauma part first may cut the sum left for beneficiaries
- New trauma cover, which the rules keep out of super, with its cost weighed against shifts that vary
- Any existing trauma cover you hold, kept in place while a newer option is compared in full and then accepted
- Trauma premiums, which the ATO says aren’t deductible, and how any lump sum is treated, put to your accountant
Cover in Super
What does any cover in your super provide on the hours you work now?
Checking each fund’s cover together, before anything changes, can show what it could pay on your hours.
We can read each account’s cover with you and set out any changes in a financial plan, or Statement of Advice.
Default cover inside super can usually be issued without medical checks, though it may carry pre-existing condition rules set out in the fund’s PDS, and increasing it is usually underwritten like any other application. The PDS, or product disclosure statement, sets out the fund’s insurance terms, including any cover sold in units of a set amount. Some funds cap an income protection benefit at a share of your income and may reduce it by other payments.
What we look at in your super with you:
- Any income protection in your super, which some funds sell in units of a set monthly amount, checked against your pay
- Some funds’ rules on claiming after a stretch without work, read for any gaps between casual shifts or clients
- A choice of how long payments wait and run, where fund terms allow it, on any income protection held through super
- Asking your fund for a higher amount, which generally means answering questions about your health
- What each fund lists as your job, checked with that fund against the hands-on care and support you give today
- Any cover held in a fund from a past provider, read in full before that account is combined with another
- Premiums for fund insurance, taken from your account balance instead of your wages
- Exclusions on default cover, and any rule on conditions that started before your membership, set out in plain words from the PDS
Changing Hours and More Than One Provider
With contracted hours, extra shifts and perhaps a second provider, how could your cover reflect what you really earn?
Setting out every source of pay can help keep the amount insured close to what you earn across a year.
We’ll start with your hours and pay from every provider, then check them against each policy’s terms with you.
Income protection is usually based on your earnings in the 12 months before an illness or injury, and some policies only cover you if you work a minimum number of hours each week. Whether allowances, penalties and extra shifts count depends on how each policy defines income. Some policies also let employees include parts of a salary package in their earnings.
What we set out with you on hours and pay:
- Contracted hours and any extra shifts you usually pick up, both set out for an income protection application
- Broken shift allowances and minimum payments for short work periods, and whether a policy’s income wording includes them
- Sleepover shifts and how a policy treats the pay for them when it works out your earnings
- Weekend, public holiday and night penalties, listed so a policy’s income definition can be read against them
- Client cancellations and gaps between clients on any casual roster, and how the lost hours show in a year of earnings
- Pay from any second provider, added to your income figure where a policy’s definition counts it
- Any salary packaging, and how a policy treats the packaged part of your pay
- Payslips from every provider, kept together so an application or claim can show the full picture
NDIS Work on Your Own ABN
On NDIS work of your own, what could stand in for the sick pay and workers compensation that may come with employment?
Knowing what each cover could do on invoiced work lets you plan for any weeks you can’t work.
Together, we’ll look at personal cover for invoiced NDIS work, alongside any employed role you keep.
Workers compensation is separate, through a state, territory or Commonwealth scheme. Safe Work Australia notes that contractors engaged through platforms typically do not have access to workers’ compensation, unlike employees doing the same work. For self-employed work, an insurer may ask for financial statements and tax returns, and may work out income from your share of the business profits.
What we look at with you on invoiced NDIS work:
- No paid sick leave on invoiced NDIS shifts, and any savings you’d draw on while a waiting period runs
- Workers compensation that may not cover your own NDIS work, since each scheme sets who qualifies
- Income from invoices shown through business records and tax returns for an income protection application
- ABN income added to any employed pay, so the earnings figure reflects both kinds of work
- A waiting period chosen for invoiced work, where income stops on the day the shifts stop
- What any policy in your name says about leaving a provider for your own NDIS work, and any effect on its conditions
- A first year of NDIS invoices with little history, and how an insurer may read a short record of earnings
- Super on invoiced NDIS work, which your accountant or the ATO can confirm for the way you’re engaged
Making a Claim
What would make a claim easier to manage alongside your shifts, home life and recovery?
Having your claim lodged with you, and followed up, can leave more room for rest and the people around you.
Together, we’ll lodge a claim and keep following it up while the insurer assesses it.
Moneysmart suggests that if you bought cover through a financial adviser, you speak to them first. An insurer can ask for medical reports, details of your work duties, including physical requirements, the hours you work each week, and payslips and tax returns, or financial statements if you’re self-employed. The insurer assesses the claim, and a complaint goes first to the insurer or, for cover in super, the fund, then to the Australian Financial Complaints Authority (AFCA).
How we help with a claim:
- Each claim started in the right place, through super or straight with an insurer, and with us where we gave the advice
- Lifting, transfers, showering and any driving between clients, set out as your work stood before the illness or injury
- Payslips from every provider, or NDIS invoices and your tax return, collected to show what you earned
- Letters from your GP, physiotherapist or other practitioners on the care tasks you can’t do, which the insurer will ask your permission to obtain
- An injury at work, where the compensation scheme runs its own process and any claim on cover of your own is lodged with you beside it
- An advance payment or a faster assessment, which the insurer or fund may be able to offer in urgent cases
- Regular progress forms while you recover, plus any partial benefit a policy offers during a return to rostered shifts
- Disagreeing with a decision, raised first with the insurer or fund that made it, then with AFCA at no cost
Health Conditions & Illnesses
Could a health condition change the cover an insurer offers you?
Our guides explain what insurers may ask about common conditions, and a health condition doesn’t necessarily rule out cover.
We can help you prepare an application when you have a health condition or a past illness.
Underwriting is how an insurer assesses an application and decides whether to offer cover, on what terms and at what price. Possible outcomes include standard terms, a higher premium, an exclusion, a request to apply again later, or a decline.
Guides by health condition:
- Cover with a health condition: where to start
- Autoimmune conditions
- Back or joint conditions
- Blood conditions
- Cancer history
- Diabetes
- Digestive conditions
- Eye or hearing conditions
- Heart conditions
- HIV or hepatitis
- Kidney conditions
- Mental health conditions
- Neurological conditions
- Respiratory or sleep conditions
- Weight, smoking or alcohol history
- Women’s health conditions
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your care setting and duties: Insurers usually ask about your job when you apply. Residential care, home care, shared homes and community access each involve different hands-on work, from transfers and personal care to driving between clients, so setting out your usual duties describes the work accurately.
- Contracted and extra hours: Some policies only cover you if you work a minimum number of hours each week. Your contracted hours and the hours you usually work can differ, so both are worth setting out, and worth checking again if your hours drop.
- How your pay is made up: Income protection is usually based on your earnings in the 12 months before an illness or injury. The policy’s definition of income decides whether broken shift allowances, sleepovers, penalties and extra shifts are counted.
- More than one payer: If you work for two providers, or combine a job with NDIS invoices, the income from each, the cover in each super fund and the duties in each setting can all come into an application.
- Employed, casual or on an ABN: Under the National Employment Standards, paid sick leave is a minimum entitlement for employees other than casuals. On invoiced work, income is shown through business records, and whether workers compensation applies is set by each scheme; contractors engaged through platforms typically don’t have access to it.
- Your visa or residency: Some insurers ask about your visa, how long you’ve lived in Australia and your plans to stay, and whether and on what terms they consider cover can depend on your answers. It’s important to answer these questions accurately.
- A pay rise or a new role: A pay rise, a new level, a team leader role, a move between aged care and disability work, or study towards nursing can change your income and duties. Some policies let you increase cover after events like a pay rise, within a set window.
- Back after time off: If you’re coming back after time off, or working lighter duties, an insurer may ask about your hours, your current duties and any workers compensation claim under way, which the scheme handles.
This list isn’t complete, and nothing on it decides anything on its own. We start by learning about your situation, and any decision on cover is the insurer’s.
Your options
Why Work With a Financial Adviser for Your Personal Insurance?
| A Ryker financial adviser | Directly from an insurer | An online broker or comparison site | |
|---|---|---|---|
| Type of advice | Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313. | Usually general advice | Usually general advice |
| Advice that considers your health, family, work and goals | Yes, as part of your advice | Not with general advice | Not with general advice |
| Choice of insurers | A wide range | That insurer’s policies only | A panel of insurers, side by side |
| Help preparing your application | Yes, alongside you | The insurer’s own process | Varies |
| Advice on holding cover inside or outside super | Part of your advice | Not with general advice | Not with general advice |
| Support if you need to claim | Yes, we’re in your corner | The insurer’s claims team | Varies |
| Cost of advice | No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose: | No separate advice fee | No separate advice fee |
Type of advice
- Ryker financial adviser
- Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313.
- Direct from an insurer
- Usually general advice
- Online broker or comparison site
- Usually general advice
Advice that considers your health, family, work and goals
- Ryker financial adviser
- Yes, as part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Choice of insurers
- Ryker financial adviser
- A wide range
- Direct from an insurer
- That insurer’s policies only
- Online broker or comparison site
- A panel of insurers, side by side
Help preparing your application
- Ryker financial adviser
- Yes, alongside you
- Direct from an insurer
- The insurer’s own process
- Online broker or comparison site
- Varies
Advice on holding cover inside or outside super
- Ryker financial adviser
- Part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Support if you need to claim
- Ryker financial adviser
- Yes, we’re in your corner
- Direct from an insurer
- The insurer’s claims team
- Online broker or comparison site
- Varies
Cost of advice
- Ryker financial adviser
- No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose:
- Direct from an insurer
- No separate advice fee
- Online broker or comparison site
- No separate advice fee
Your Cover for Care Work, Worked Through Together
Care Duties Described for an Application
Your care setting, hands-on duties and weekly hours described accurately on any application.
Pay From Every Provider Listed
Contracted hours, extra shifts, allowances and any second provider set out in one place.
Fund Units Read Against Your Income
Any income protection units in your super read beside what a claim could pay on your earnings.
Hours Checked Against Policy Minimums
Your contracted and usual hours compared with any minimum a policy sets.
Cover Looked at for NDIS Invoicing
Personal cover for invoiced NDIS work considered beside any employed role you keep.
TPD Wording Read for Hands-On Care
Any occupation definitions, and whether own occupation is offered, read against care work and roles your experience suits.
Cover Revisited After a Pay Rise
Any cover amount can be looked at again after a pay rise, a new level or a team leader role.
Claim Records Gathered From Each Provider
A claim lodged with you, with duties, hours and pay records collected and the insurer followed up as it assesses.
Proactive, Holistic, and Experienced Financial Planning
Your week, with its shifts, clients and providers, is where the conversation starts. We listen first: to the work you do, how your pay comes together and what you want your cover to do. Then we explain each type of cover in plain words, without jargon, and move at a pace that suits you. You’ll usually have our recommendations in writing, so you can read them in your own time.
Applications and claims involve paperwork, and we work through each form with you. With your consent, we can request insurance details from each fund that holds cover for you, gather the pay records an application needs and keep in touch with insurers while they consider it. You’re welcome to bring a partner, a family member or a friend you trust to any meeting. If you ever need to claim, we’ll lodge it with you, follow it up and keep you informed until the insurer decides.
Every financial decision impacts the next
Your Financial Life Is Connected
Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.
Learn more about Financial Planning and Advice for Aged Care and Disability Support Workers
Your
Wealth
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
Frequently Asked Questions
Ryker’s financial advisers are licensed to give personal advice under Synchron Advice’s Australian financial services licence (AFSL 243313). We start with you: your care and support work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Care and support work can mean physical days in residential, home or disability settings, and hours and pay that move with shifts, clients, a second provider or NDIS invoices. Each can affect how an insurer assesses an application and how a policy pays, so your duties, hours, pay and any cover you hold are what we look at.
With a financial adviser, you also have:
- Access to a wide range of insurers, who can assess the same health details differently
- Help preparing your application and answering the health questions with care
- Advice on whether to hold cover inside or outside super, and the trade-offs
- Reviews as your health, family and work change
- Someone in your corner if you ever need to claim
Going directly to an insurer can mean no separate advice fee, but you’ll only see that insurer’s policies, and you’ll generally receive general advice only, which doesn’t consider your personal circumstances.
Going through an online comparison site or broker, you may see more options side by side, but they also generally provide general advice only, which doesn’t consider your whole financial picture.
When we give you personal advice, the law requires us to act in your best interests, which we take personally. The insurer still decides whether to offer cover and on what terms.
We’re invested in your long-term success. What we do is personal, and we take it personally.
Your financial decisions connect, so we consider the parts of your financial life that are relevant to the advice you need:
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
This is how we help you make decisions today with your longer-term goals in view.
Everybody’s situation is different, so we listen first, understand what matters to you and explain your options clearly before we make a recommendation.
Income protection is usually based on your earnings in the 12 months before an illness or injury, rather than the hours on a roster. In care work, that year can hold contracted hours, extra shifts, allowances, minimum payments and quieter weeks after a client cancels. Whether allowances and extra shifts count depends on how each policy defines income.
Some policies only cover you if you work a minimum number of hours each week, so your contracted hours and the hours you usually work are both worth setting out. Payslips from across the year show the pattern. We can compare policies with you on each of these points, and the insurer decides on any application.
It depends on any cover you hold and how your work is set up. Invoiced NDIS work comes with no employer sick leave. Workers compensation is separate, through a state, territory or Commonwealth scheme, and Safe Work Australia notes that contractors engaged through platforms typically don’t have access to it.
Income protection can pay part of your income after a waiting period if illness or injury stops you working, subject to the policy’s terms, and an insurer may use your business records and tax returns to work out what you earn. Any insurance a participant or plan manager asks you to hold is arranged separately, and questions about it go to whoever arranged it. We can look at personal cover for your invoiced work with you.
Some funds sell income protection in units, each a set monthly amount of cover, but cap a benefit at the lower of the amount insured and a share of your income before the illness or injury. Payments may also be reduced by workers compensation, other income protection or income from a graduated return to work.
On part-time or changing hours, the amount on a statement and the amount a claim could pay may not match. A fund’s insurance terms set out how its cover works, along with the waiting and benefit periods they offer or set by default. We can read those terms with you before you add cover or change anything.
Every provider can come into it. For income protection, pay from every provider counts towards your earnings where the policy’s income definition includes it, and other income protection payments may reduce a benefit. If each employer pays into a different fund, each account may hold its own life or TPD cover, with premiums coming out of each balance, and whether more than one benefit can be paid depends on the policies.
An application can ask about your duties in each setting, and a claim may need pay records from each provider. When you start a new job, your employer generally pays into your existing super fund unless you choose another; a default fund applies only if you have no fund. We can list your cover with you and compare options.
It depends on the policy’s definition. Total and permanent disability (TPD) cover can pay a lump sum if you’re unlikely ever to work again, as the policy defines it. Own occupation looks at your usual job, while any occupation looks at any job suited to your education, training or experience.
Care qualifications and experience could suit other roles, such as coordination or administration, so under an any occupation test the question is wider than hands-on care. Own occupation cover is usually only available outside super, and which definitions are offered can depend on the occupation. The insurer assesses any claim. We can read each definition with you against the work you do.
It depends on the insurer and the policy. Some insurers ask about your visa type, how long you’ve lived in Australia and your plans to stay, and whether and on what terms they consider cover can depend on your answers. Some income protection may also need a minimum period living and working here.
It’s important to answer these questions accurately. We can compare what policies ask with you, but we don’t advise on visas. A registered migration agent or a legal practitioner can.
A quick online quote can be a useful starting point, built from the answers you give on screen. An online form may not ask about hours that change, allowances, a second provider or invoiced NDIS work. Moneysmart also notes that if an insurer doesn’t ask for your medical history, it may mean that the policy has more exclusions or narrower policy definitions.
Advice looks at the whole picture: your duties, how your pay is made up, any cover in super and what your household needs. We then compare cover from a wide range of insurers with you, and the insurer decides on any application and its terms.
Your accountant and financial adviser bring different expertise to the same decisions. Your accountant can advise on tax reporting, structures and consequences; we help you plan how cashflow, debt, super, investments and protection work towards your goals. We can coordinate before important decisions.
What an accountant does
- Prepares and lodges tax returns, BAS and financial statements
- Advises on tax structures such as companies, trusts and partnerships
- Manages bookkeeping, payroll and ATO compliance
- Provides tax advice on the consequences of a transaction
What a financial adviser does
- Sets a long term strategy across retirement, investing and cash flow
- Builds wealth from early in a working life, starting with cash flow, a first home and super
- Recommends specific super funds, investments and personal insurance
- Operates under an Australian Financial Services Licence, which is required to give personal advice on financial products
- Handles retirement planning, Centrelink and aged care strategy, and estate planning considerations
Professional roles and authorisations matter. We provide financial advice within our authorisations and work with your accountant for specialist tax advice and lodgements.
Where they work together
- Tax position. Your accountant confirms your marginal rate, deductions and carried forward losses, which shapes decisions on super contributions, investment structures and the timing of asset sales.
- Business and entity structures. Your accountant advises on the structure itself and your financial adviser works within it for investments, insurance and succession planning.
- Cash flow. Your accountant’s figures can help us understand what’s available for debt repayment, protection and longer-term goals.
- Before key decisions. We can coordinate with your accountant on contributions, asset sales and other material choices in time to consider relevant tax consequences.
We’re a national service, so you can meet with us by phone or video from anywhere in Australia. We also have offices in three cities:
- Sydney: offices in Sydney CBD, Parramatta, Seven Hills, Ingleburn and Narellan, servicing areas including the City of Sydney, Eastern Suburbs, Inner West, North Shore, Northern Beaches, Sutherland Shire, Blacktown, Liverpool, Campbelltown and all surrounding suburbs.
- Melbourne: our St Kilda Road office, servicing areas including the City of Melbourne, Port Phillip, Boroondara, Monash, Casey, Wyndham and all surrounding suburbs.
- Brisbane: our Eagle Street office, servicing areas including Brisbane City, Moreton Bay, Ipswich, Logan, the Gold Coast, the Sunshine Coast and all surrounding suburbs.
Yes. In residential care, home care or disability support, we start from your working week: the shifts, the clients and anyone who pays you.
There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Payslips from every provider, any NDIS invoices or tax return, your super statements and any insurance papers you hold are handy to have. Health reports can wait, and together we’ll choose a sensible next step.
Reviews
Testimonials from Our Clients
Client Success Stories
A Property Sale Became a Full PlanEstimated long term financial benefitApprox $448,000
A Plan to Keep the Family HomeLife cover established$1.2 Million
Cover in Place and Fees LoweredImmediate value$1,055 a year
Super Fees More than HalvedProjected retirement uplift$416k
Income Covered for a New MortgageImmediate value$975 a year
A 13-Year Mortgage Paydown PlanPlanned mortgage paydown13 years
A First Home and Family CoveredImmediate value$1,346 a year
Age Pension Kept After an InheritanceProjected uplift at 90More than $642,000
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