Life Insurance and Income Protection for Allied Health Professionals
Income Protection for Allied Health Professionals and Their Families
Hands-on clinical work, how you’re engaged, any rooms you run and any cover in super all shape personal cover. We help you check any cover, compare and apply for cover, and lodge a claim with you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Describe physio, imaging or therapy duties, home visits and clinical hours on a cover application
- Set out billings, a salary or both for an income protection application
- Time the start of any income protection benefit against sick leave from a hospital role, or against savings between clinic sessions
- Compare TPD wording for hands-on treatment and scanning against the roles your degree could suit
- Look at any cover across a hospital role and a private contract held at the same time
- Go through each fund’s PDS for any life, TPD or income cover that earlier hospital or clinic jobs may have left in super
- Match business expenses cover to room rent, a receptionist and equipment leases, kept apart from income protection
- Review any cover when your pay rises, your hours change or you move into teaching or management
- Treat income protection as a separate need from any indemnity insurance your registration or professional body requires
- Lodge a claim with you, backed by billing reports, appointment records and a clear account of your clinical duties
Who We Help
- Physiotherapists in hospitals, private clinics or sports settings
- Occupational therapists and speech pathologists working in schools, community or NDIS settings
- Sonographers and radiographers scanning in hospital or private medical imaging
- Podiatrists seeing patients in a clinic or on home visits
- Dietitians, exercise physiologists and audiologists in clinics, hospitals or their own practice
- Chiropractors and osteopaths in their own rooms or a shared clinic
- Contract clinicians paid a share of what they bill at a clinic
- Clinicians in two roles combining hospital employment with clinic contract work
- Practice owners with rooms, staff or vehicle costs to meet
What we advise on
How Each Cover Works Around Clinical Work
Income Protection
Were illness or injury to keep you from seeing patients, how might part of your income keep coming in?
Income protection can pay part of your income after a waiting period, on its terms, to help with costs while you recover.
We’ll compare income protection with you against the way your sessions are paid and the clinical work involved.
Income protection can pay part of your income when illness or injury stops you working, once a waiting period has passed and subject to the policy’s terms. Moneysmart notes the benefit is usually based on your annual earnings in the 12 months before the illness or injury. Each policy has its own definition of disability, and waiting periods can range from 14 days to two years.
What we work through with you on income protection:
- Billings across the 12 months before an illness or injury, with cancelled sessions, school holidays or a new caseload all showing in that record
- Any hospital salary and private clinic earnings side by side, and which of them an insurer counts when it sizes the benefit
- Any sick leave from an employer, or cash set aside from contract sessions, matched to the weeks before a benefit begins
- How long benefits could run, for a few years or to an age, weighed against any mortgage, rooms lease and family costs
- Dropping a clinic day, and whether the hours left still clear the floor some policies place on cover
- Easing back with shorter clinic lists, and any partial benefit offered while your sessions build up again
- Indexation of the benefit amount each year, which some policies offer, and whether it keeps pace with pay that rises in stages
- Any policy paid for outside super, and whether its cost can be claimed at tax time, which an accountant confirms
Life Insurance
Who would keep the household going for your loved ones if you were no longer here?
Life cover can pay your beneficiaries a lump sum, which can help the people you love with debts and day-to-day costs.
We’ll start with any debts and who relies on your income, then work out a life cover amount with you.
Life insurance can pay a lump sum to your beneficiaries if you pass away, and some policies include terminal illness cover. Insurers usually ask about your age and job when you apply. Cover you already hold was issued on its own terms, and the policy wording sets when they can change, so it’s worth reading before you change or replace it.
What we work through for life cover:
- Any lease on treatment rooms, a car for home visits or a mortgage, added together to set the amount
- Old hospital, imaging or clinic super accounts, each searched for any life cover still attached to it
- Any personal guarantee on a clinic lease or equipment finance, and whether your estate could meet it from a payout
- Graduate years on a modest salary, and a starting amount you revisit if a mortgage or family arrives
- The share of household costs your clinic income carries, and how much of it a payout would need to replace
- The sum reviewed if you open rooms, hire a receptionist or move from a salary to a contract
- The people named to receive a payout from any policy owned directly, kept in line with your will
- Cover for a partner, if you have one, looked at in the same conversation as your own
TPD Insurance
Should you never be able to treat patients again, what would fund the plans you’ve made?
TPD cover can pay a lump sum towards debts and longer-term plans if you can’t work again, as the policy defines it.
Together, we’ll read each TPD definition you’re offered, own or any occupation, against the hands-on clinical work you do.
A TPD policy can pay a lump sum if illness or injury leaves you unable to work again, as the policy defines it. Own occupation looks at the job you were doing before the disability, while any occupation looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, and which definitions are offered can depend on the occupation.
What we compare with you for TPD:
- Physio, imaging or therapy work measured against any own occupation wording on offer, then the broader any occupation test
- University tutoring, telehealth consults or assessment and report writing, and how an any occupation test might count that work
- A TPD test some insurers base on bathing, dressing, eating and moving about, known as activities of daily living
- Switching super after a new hospital or clinic job, with the TPD wording in both funds read first
- Stepping back to clinic coordination or a lecturing post, and how each TPD definition would then look at the work you do
- A payout sized to clear any fit-out loan for your rooms or a mortgage, looked at again as balances fall
- A bundled policy where a TPD claim may shrink the life benefit left for beneficiaries, unless it’s built otherwise
- How a disability benefit paid out of super is taxed, an accountant’s call once your age and service period are known
Trauma Insurance
Through treatment for a serious illness, how might the bills be met while you step back from your caseload?
Trauma cover can pay a lump sum if a listed condition meets the policy’s definition and isn’t excluded, helping with bills.
We’ll explain the illnesses and injuries a trauma policy names, and where its lump sum fits beside any income protection.
A trauma policy lists the illnesses and injuries it covers, and can pay a lump sum when a condition meets the policy’s definition and isn’t excluded. Moneysmart notes that medical definitions can be different between insurers, so the PDS is worth reading. 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 fine print behind each listed condition, since the same name can carry a different definition at another insurer
- A condition found early, and any part-payment a policy may make before the full benefit is reached
- Patients handed to a colleague while you’re having treatment, and how a trauma payout could help while clinic income is paused
- Home loan or household rent in the first weeks off, which a trauma payout could help meet until any income cover starts
- Rent on your rooms, contractor fees or a receptionist’s wages, weighed against a trauma amount if you run a practice
- A combined life and trauma policy, where one claim may cut the other unless the terms are written otherwise
- Any trauma cover taken out in your student or graduate years, kept or replaced only once its terms sit beside the alternatives
- Any recovery time before hands-on treatment is possible again, and whether a trauma payout should stretch past medical costs
Cover in Super
Has any cover in your super kept pace with how and where you work now?
Reading each fund together can show what cover you hold, and whether it still suits your clinical work.
Together, we’ll check any cover in your super and set out any changes in a financial plan, or Statement of Advice.
Super funds often provide life and TPD cover automatically to eligible members, generally from age 25, and some also provide income protection, for a set amount. 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. Moneysmart suggests checking your insurance before changing super funds or closing an account.
What we look at in your super with you:
- Any funds started with past hospital, imaging or clinic employers, with each one’s insurance written into a single list
- A fund that may not accept contributions once you’re self-employed, checked with the fund before you rely on it
- A fund still recording you as a sonographer, physio or therapist after you’ve moved into teaching or management
- Choosing whether to join a hospital’s default fund as new staff, with its cover compared against any cover in your current fund first
- Automatic cover usually issued without medical checks, and any exclusions a fund applies to earlier health history
- Yearly premiums inside super, and the retirement savings they draw on through part-time or contract stretches
- Merging the accounts left by several hospital and clinic roles, held off until each one’s insurance has been weighed
- Which needs any cover in super meets, and which a policy in your own name might suit better
Salary, Contract or Both
As your work moves between a salary, a clinic contract or both, what keeps any cover in step?
Looking at cover whenever the way you’re engaged changes can help it fit the work you do.
We’ll look at cover with you around each income and each fund, whichever way you’re engaged.
On a contract, a business may still have to pay super if you’re paid mainly for your labour, for your own skills rather than a result, and you do the work yourself. A contract made with your company, trust or partnership is different: the business doesn’t have to pay super for whoever that entity employs. Hirers don’t generally cover contractors for sick leave or workers compensation, and moving to self-employment may affect cover through super.
What we look at with you as your arrangements change:
- Paid sick leave on a salaried role, and none on a clinic contract, set against any income protection waiting period
- A share of billings paid only for sessions that go ahead, and how cancellations show in your income evidence
- Super on a clinic contract and the three ATO tests, with your status confirmed by an accountant or the ATO
- A contract through your own company or trust, where the clinic doesn’t pay your super and your entity’s super is planned with an accountant
- An insurer working out a self-employed clinician’s income from their share of business profits, under some policies
- Financial statements and tax returns gathered as income evidence once you bill through an ABN
- Workers compensation, which hirers don’t generally provide to contractors, with your status a question for the scheme or a lawyer
- Any cover looked at before you sign a new clinic contract or drop your salaried days
Running Your Own Practice
Were you unable to see clients for a while, what would keep the rent and any staff paid?
Business expenses cover and income protection do different jobs, one for eligible practice costs and one for part of your own income.
We’ll weigh business expenses cover beside income protection with you, if you run your own rooms.
Business expenses cover, offered by some policies, can pay eligible costs of running your practice while illness or injury stops you working, and it excludes your own pay. Income protection is the cover that can pay part of your own income. Questions about other business policies go to whoever arranges them.
What we look at with you as a practice owner:
- Room rent, a receptionist’s wages, equipment leases and vehicle costs for mobile work, checked against what a policy counts as eligible
- Your own pay, which business expenses cover excludes, and whether income protection could meet that part
- A locum or colleague seeing your patients, where a business expenses policy counts the cost as eligible
- A shared clinic with another owner, and cover to fund a buy-sell agreement a solicitor drafts
- Key person cover, where the practice relies on the sessions one clinician sees
- Ownership of each policy, held personally or through the business, worked through with an accountant
- Cover looked at again when you take on a first staff member or move to larger rooms
- Any cover reviewed before you sell, close or step back from the practice
Making a Claim
When a claim is needed, who could help you gather the records it asks for?
Lodging a claim with you and following it up with the insurer can leave you more room for everything else.
We’ll lodge a claim with you and keep in contact with the insurer while it assesses it.
Moneysmart suggests that if you bought cover through a financial adviser, you speak to them first. An insurer can ask for details of your work duties, including physical requirements, and the hours you work each week, along with 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 AFCA if it isn’t resolved.
How we help with a claim:
- Treatment, scanning, home visits or driving between clients, written up as your normal clinical week
- Billing reports from your practice software and any BAS, pulled together to show what your sessions earned
- Income from a salaried role and a contract, both shown when you claim with two sources of pay
- Notes on how an illness or injury affects hands-on treatment, scanning or home visits, set out for the insurer’s questions
- Separate claims where cover sits in an old hospital fund and in a newer clinic fund, run side by side
- Room hire and a receptionist’s wages, put forward under any business expenses policy, separate from what covers your own pay
- Ongoing claim updates as you add sessions back during a return to practice, with fresh reports when asked
- A workplace injury at a hospital or clinic job, where workers compensation is the scheme’s to assess and we help with any cover of your own
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your hands-on duties: Insurers usually ask about your job when you apply. The treatment, scanning, lifting or standing your work involves, and any time on notes, reports or teaching, are worth describing as they are now.
- Your clinical hours: Some policies need you to work a minimum number of hours each week to be covered. The hours you see patients now are part of the picture, and so is any plan to work fewer.
- How you’re paid: Income protection is usually based on your earnings in the 12 months before an illness or injury. A salary, a share of billings or practice profits each count as the policy’s income definition decides, and if your pay is rising in stages, a benefit amount set earlier is worth checking.
- Work in more than one place: A hospital or imaging role beside a clinic contract, or home visits and school or community work, can mean two incomes, paid sick leave on one side only and cover in more than one fund. Time on the road between visits belongs with your duties.
- Moving to a contract or an ABN: Contracting means no paid sick leave, and hirers don’t generally provide workers compensation to contractors. Moving to self-employment may affect cover through super, and income is shown through billings, tax returns or an entity’s accounts.
- Opening your own rooms: Rooms can bring new debts and fixed costs such as rent, staff and equipment. Income protection can pay part of your own income, and business expenses cover, offered by some policies, is a separate option for eligible practice costs.
- Further study: Fewer clinical sessions during postgraduate study can lower the earnings in the 12 months an income protection benefit looks at. Some life, TPD and trauma policies allow cover to be increased after set events, such as completing a postgraduate degree, within a set window.
- Moving away from hands-on work: Teaching, management, case management or telehealth can change the job an own occupation test looks at, and the work an any occupation test could count. How any policy treats a change of role is worth checking before it happens.
Nothing here decides anything on its own, and the list isn’t complete. We begin by understanding your situation, and any decision about cover rests with the insurer.
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 Allied Health Work, Worked Through Together
Treatment and Scanning Duties Set Out
Your clinical duties, the settings you work in and your weekly hours described in full on any application.
Billings and Salary Shown Together
A salary, a share of billings or practice profits set out clearly for an income protection application.
Definitions Read for Hands-On Work
Own and any occupation TPD wording, and each disability definition, read with you against your clinical work.
Two Roles, One View of Cover
Any cover across a salaried role and a private contract, and the funds behind each, seen in one place.
Every Fund’s Cover Read Through
Any cover in each super account listed, with its terms read from the fund’s PDS.
Practice Costs and Your Pay Separated
Business expenses cover and income protection weighed as two needs, if you run your own rooms.
Cover Revisited as Your Work Changes
Any cover looked at again when your hours, pay or mix of clinical and other work shifts.
Claim Records Gathered With You
A claim lodged with you, your duties, hours and billing records gathered, and the insurer followed up.
Proactive, Holistic, and Experienced Financial Planning
Our first conversation is mostly listening: how your working week runs across a clinic, a hospital ward or home visits, how you’re paid, whether by salary, billings or both, and what you’d want any cover to do for you and the people who rely on you. Each definition is explained in plain terms, your questions are answered as they come up, and we go at a pace that suits you. Recommendations usually reach you in writing, and every decision stays yours.
You don’t carry the paperwork alone. With your consent, we can request fund details and PDSs, prepare what an application needs and follow up with insurers while they assess it. Anyone you’d like involved, such as a partner, a family member or a business partner, is welcome to join, and should you need to claim, we lodge it with you and stay with it until the insurer reaches a decision.
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.
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 clinical work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Allied health work can mean hands-on treatment or scanning, pay that comes from billings, a salary or both, and the costs of any rooms you run. Any of these can shape how an insurer looks at an application and how a policy pays, which is why your duties, hours and pay are part of 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.
They answer different needs. Ahpra requires registered practitioners to hold professional indemnity arrangements that meet their National Board’s standard, declared on registering and at each renewal. Professions outside the National Boards, such as speech pathology, dietetics, exercise physiology, audiology and sonography, may have a requirement set by a professional body instead. Whoever provides that cover is the one to ask about it, and we don’t advise on it.
Income protection is about you rather than your practice. If illness or injury stops you working, as the policy defines it, it can replace part of your earnings once a waiting period ends. We can look at it with you as a need of its own, with billings, a salary or both set out.
Income protection is usually based on your earnings in the 12 months before an illness or injury, so for a clinician paid a share of billings, that window includes any quiet weeks, cancellations or a caseload that was still building. Billing reports, tax returns and, if you’re self-employed, financial statements can all be part of the evidence, and some policies work out a self-employed person’s income from their share of the business profits.
What counts as income is set by each policy’s definition, so it’s worth reading before you apply. We can set out your billings with you for an application and compare how policies define income, and the insurer decides on the cover it offers.
Two incomes come into the picture, and how a policy treats them together depends on its definition of income. Any paid sick leave comes from the employed role, and hirers don’t generally cover contractors for paid sick leave or workers compensation.
Super can come from both sides. On a contract, a business may still have to pay super if you’re paid mainly for your labour, for your own skills rather than a result, and you do the work yourself. A contract made with your company, trust or partnership is different: the clinic doesn’t have to pay super for whoever that entity employs. Any cover in each fund is worth listing. We can look at both roles with you, and an accountant or the ATO can confirm your status.
Moneysmart describes any occupation as being unable to work in any job suited to your education, training or experience, and own occupation as being unable to work again in the job you had before your disability. An allied health degree can suit roles beyond hands-on treatment, such as clinical education, case management, assessment or telehealth, so the wording matters.
Own occupation cover is usually only available outside super, and some insurers offer it for selected occupations only, so which definitions you’re offered is the insurer’s decision. Income protection has its own definition of disability as well. We can read each wording with you against the work you do now.
The settings you work in, the travel between clients and your weekly hours are all part of describing your job. Insurers usually ask about your occupation when you apply, and a claim can ask for details of your work duties, including physical requirements, and the hours you work each week.
Since 5 October 2021, the duty when applying for consumer life cover is to take reasonable care not to make a misrepresentation, which means answering the questions asked with reasonable care. How an insurer views home visits, community or NDIS work is its decision. We can help you describe your work accurately on an application, so it reflects the clinical work you do.
They pay for different things. Business expenses cover, offered by some policies, can pay eligible costs of running your practice, such as rent, equipment leases and, where a policy includes them, wages for staff who don’t see patients, while illness or injury stops you working, and it excludes your own pay. Income protection is the cover that can pay part of your own income after a waiting period, subject to the policy’s terms.
If you share a practice, key person cover or cover to fund a buy-sell agreement may also be worth weighing, with a solicitor drafting the agreement and an accountant advising on who owns each policy. Questions about other business insurance go to whoever arranges it. We can look at the personal and business expenses side with you.
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.
Yes. New graduates, clinicians picking up a first contract and owners of established rooms all start the same way with us: the clinical work you do, how you’re paid and what you’d like your cover to protect.
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. Bring whatever is easy to find, such as a super statement, a recent payslip or billing report, and any clinic contract or policy schedule. Health records can wait, and together we’ll settle on a sensible first step.
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