Life Insurance and Income Protection for Assistants in Nursing and Hospital PCAs
Income Protection for Assistants in Nursing and Hospital PCAs and Their Families
Pool or rostered shifts, any study and placement, hands-on ward care and any cover in super all shape which cover suits you. We can help you apply for cover, check what you hold and lodge claims with you.
Financial Advice for Life Insurance and Income Protection
Who We Help
- AINs and PCAs with no cover of their own outside super
- Student AINs under 25 whose cover in super may not have started
- Pool and relief pool staff whose shifts change from fortnight to fortnight
- Nursing students with a placement block coming up
- Assistants in nursing about to start a first enrolled or registered nurse role
- Casual AINs offered a permanent contract
- PCAs juggling employers such as a hospital and an agency or aged care employer
- PCAs back on the ward after time off
- Long-serving AINs and PCAs making ward care their career
We Can Help You
- Describe ward personal care, such as helping patients in and out of bed, accurately on a cover application
- Check how a policy’s income definition would read a year of pool or casual shifts
- Look at what a study year or a placement block could do to an income protection figure
- Line up a typical run of pool shifts with the weekly hours some income protection policies require
- Work out how long your savings could carry you before a policy starts paying, if you have no sick leave behind you
- Look into a new or small super balance, and whether its insurance has begun or needs asking for
- Read TPD definitions against ward care and any training you’ve done or are doing
- Look at your cover again before a first enrolled or registered nurse role
- Review an income protection waiting period when a permanent contract brings sick leave
- Lodge a claim with you, with shift records, payslips and duty details gathered, while the insurer or fund assesses it
What we advise on
How Each Cover Works Around Ward Shifts and Study
Income Protection
During weeks off the ward through illness or injury, what could keep the regular bills paid?
After a waiting period, income protection can pay part of your income, which can go towards regular bills.
Together, we’ll compare income protection around shifts that change and any study years.
Income protection can pay part of your income if illness or injury stops you working, usually based on your earnings in the 12 months before the illness or injury. Each policy has its own definition of disability, waiting periods can run from 14 days to 2 years, and you must be unable to work at the end of the waiting period to be paid. Some policies only cover you if you work a minimum number of hours each week.
What we work through with you on income protection:
- Any ward shifts picking up in some months and dropping in others, across the 12 months a benefit usually looks back on
- Pay from each hospital or agency you work for, added up for the earnings a policy would insure
- Pool shifts that rise and fall each fortnight, compared with any minimum weekly hours a policy sets
- Money put aside for the weeks before a benefit starts, as casual pool work brings no paid days off when you’re unwell
- Benefit lengths, from a few years up to a later age, where a policy lets you choose between them
- Each policy’s own definition of disability, read for what being unable to do ward personal care would mean
- A ward injury covered by workers compensation, if you’re eligible, and how such payments may lower your monthly amount under the PDS
- Your working week described on an income protection application as it is, from one pool shift to a full fortnight
Life Insurance
Were you no longer here, how would the people closest to you keep up with what your ward pay covers now?
Your beneficiaries could receive a lump sum towards debts, everyday costs and any plans already in place.
We’ll work out a life cover amount with you from any debts, anyone relying on your income and any cover in super.
Life cover can pay a lump sum to your beneficiaries if you pass away, and it may also come with terminal illness cover. Without a named beneficiary, your estate or the super trustee may decide where the money goes. Where life cover is packaged with TPD or trauma, a claim paid under one may reduce the life benefit.
What we work through for life cover:
- Who, if anyone, relies on your ward pay today, and what a lump sum would need to cover for them
- A rental lease, a car loan or a card balance, totalled so the lump sum matches what’s still owing
- Any life insurance your super fund already carries, counted before you apply for anything new
- Where a lump sum from super goes if no nomination is made: your estate, or a decision by the trustee
- A life amount sized for the years you’re studying, if you are, and applying for more after registration if needed
- Family you help with money, if any, such as a parent or sibling, counted in what a lump sum covers
- Terminal illness cover, where included, which can pay the life benefit early once a diagnosis meets its definition
- Your life amount checked again at a first mortgage, a move in with a partner or a new baby, if any of these happen
TPD Insurance
For the plans you’re working towards, what would fund them if you could never work again, on the ward or anywhere else?
A TPD lump sum can go towards debts and plans if you’re unable to work again, as the policy defines it.
We’ll weigh TPD definitions with you against ward care and any training you have or are doing.
TPD cover can pay a lump sum if illness or injury means you’re unlikely 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. Own occupation cover is usually only available outside super, TPD cover in super usually ends at an age, and a TPD payout may reduce any life cover packaged with it.
What we compare with you for TPD:
- Ward care as your usual job under an own occupation test, against any occupation wording that reaches further
- Any Cert III or nursing study, and how a policy’s ‘education, training or experience’ wording may read it
- Any fund from a past hospital or agency job, and the TPD wording it holds, read first
- Own occupation wording held outside super, with the premiums paid from your own pocket rather than a fund
- Self-care tests, such as getting dressed or eating, which some TPD wording uses in place of a ward work test
- TPD paid from a combined life policy, and what that payment leaves your beneficiaries afterwards
- A TPD figure set from what you owe and the yearly costs of living, should you never return to the ward
- A one-off TPD payment and any monthly income protection, set side by side for a life after ward work
Trauma Insurance
Alongside treatment for a serious diagnosis, what could help with costs and missed ward shifts?
When a listed condition meets the policy’s definition and isn’t excluded, trauma cover can pay a lump sum.
Together, we’ll go through what a trauma policy lists, and how it sits beside income protection.
Trauma cover can pay a lump sum for a listed condition that meets the policy’s definition and isn’t excluded, and medical definitions can be different between insurers. Trauma insurance doesn’t 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:
- What a trauma list counts as a heart attack or a cancer, which can differ from one insurer to the next
- Part payments for a milder form of a listed illness, if a policy pays them, talked through before you choose
- Your own money, whether pay, savings or help from family, meeting any new trauma premium, as funds can’t hold new trauma cover
- A lump sum to lean on during pool or casual work, when no paid days off come with an unworked shift
- Specialist bills, travel to treatment and missed ward shifts, set against the size of a trauma lump sum
- One contract holding life and trauma together, so a trauma claim may lower what’s paid on death later
- Any income protection you hold, set beside a trauma payout so the purpose of each is clear
- Trauma cover from your early ward years, if you hold some, read on its own wording before any switch
Cover in Super
Which cover, if any, sits in your super right now, and how well does it suit the shifts you work?
Looking at each fund before anything changes can show whether cover has started and what it would provide.
We’ll check with you whether any cover in each fund has started, and what it provides.
Many funds give eligible members life and TPD cover automatically, and some add income protection. Cover doesn’t start automatically for a new member under 25 or on a low balance unless you contact the fund, or the fund gives automatic cover for a dangerous job. 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 premiums are deducted from your super balance.
What we look at in your super with you:
- Insurance that may not have started in a fund you joined under 25 or on a small balance, and asking the fund about it
- What a fund’s insurance would pay someone doing ward care, and the length of time it pays for
- A small balance from part-time or pool shifts, and how far insurance premiums draw it down
- Contributions from any agency shifts, and which fund they reach, along with any insurance that fund carries
- A move to a new hospital, where your employer generally pays into your existing fund unless you choose another
- Ward care recorded correctly as your occupation in each fund, with the fund contacted if it’s wrong
- Merging any funds from different hospitals only once the insurance inside each has been compared with you
- Applying to lift fund cover above its default, usually with health questions the insurer assesses
Study, Placement and Registration
Through any study, placement blocks and a first nursing role, how could your cover move with each stage?
Cover that fits each stage can be planned as your pay changes, from AIN shifts to any first nursing contract.
We’ll look at your cover with you around any study and placement blocks, and a first enrolled or registered nurse role.
Income protection is usually based on your earnings in the 12 months before an illness or injury, and you must be unable to work at the end of the waiting period to be paid. How a policy treats time away from paid work for study is set out in its PDS. An assistant in nursing role isn’t a registered nursing role, so a first enrolled or registered nurse role is a new occupation on any application.
What we look at with you as study and registration come up:
- A study year with lighter shifts, and what it could do to a benefit based on the prior 12 months’ earnings
- Placement weeks with no paid shifts, read against how a policy’s PDS treats time away from paid work
- Minimum weekly hours in a policy, checked against the shifts you keep during a heavier study load
- Any cover you hold from AIN years, read for its own terms before you change or replace it
- A new job title, duties and pay at registration, described accurately on any new cover application
- Each health and job question on a new application at registration, answered with reasonable care
- Any cover amount reviewed once a first nursing payslip shows the new pay, so any increase can be applied for
- Premiums for any cover outside super, which generally stay due through placement weeks, planned into a student budget
Pool, Casual and Agency Shifts
When shifts come through a pool or an agency as they’re offered, what could cover look like for you?
Seeing what leave, savings and cover sit behind you can help you choose cover that suits how shifts arrive.
We’ll go over your cover with you around pool, casual and agency shifts, and any move to a permanent contract.
A casual employee has no firm advance commitment to ongoing work, is paid a casual loading or casual rate instead of most types of paid leave, and doesn’t get paid sick leave. Hospital and aged care shifts can be paid under different rules, and agency shifts usually come through the agency as your employer. Under the National Employment Standards, permanent employees build at least 10 days of paid sick leave a year if full-time, and pro rata if part-time.
What we look at with you on pool, casual and agency shifts:
- Pool work offered shift by shift, with no firm commitment to ongoing hours, set out across recent fortnights
- A waiting period sized to the savings you have, with no paid sick leave behind casual pool work
- The casual loading in your hourly rate, and whether a policy’s wording counts it as insured income
- Any agency shifts on top of hospital work, and any super and cover that come with the agency’s payments
- Hospital and aged care shifts in the same year, if you work both, paid under different rules and each counted in the income figure
- Set hours on a part-time contract, if you move to one, compared again with any policy’s weekly minimum
- Any move to a permanent contract, which brings paid sick leave that builds each year, and the waiting period weighed again
- Workers compensation questions after a ward injury, which go to your employer or the relevant scheme
Making a Claim
During a claim, who could help keep the paperwork moving?
Someone gathering documents and following up with you can make a claim easier to manage while the insurer or fund assesses it.
We’ll lodge a claim with you and follow it up with you while the insurer or fund assesses it.
If a financial adviser arranged your cover, Moneysmart suggests speaking to them first; for cover through work, your employer. An insurer can ask for details of your work duties, including physical requirements, the hours you work each week, and payslips and tax returns. The insurer or fund assesses the claim, and a complaint goes first to the insurer or super fund, then to AFCA.
How we help with a claim:
- Your starting point for lodging, set by whichever fund, insurer or financial adviser arranged each cover you hold
- Shift records and duty details showing the personal care you give, from helping patients mobilise to showering
- Twelve months of ward payslips from each employer, collected so the insurer can see your income
- Treating doctors’ notes on the patient care tasks you can’t do for now, which the insurer asks for with your consent
- Your own policy’s paperwork for a ward injury, prepared with you while workers compensation stays with its scheme
- Any return to a few ward shifts part-way through a claim, and any partial payment a policy makes for that stage
- News from the insurer or fund chased up with you, so you know where things stand at each stage of a claim
- Help if you disagree with how the insurer or super fund has ruled, raised with them first and then with AFCA
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
- The care you give on the ward: Insurers usually ask about your job when you apply. Helping patients in and out of bed, mobilising and showering are all part of describing ward personal care accurately, and the insurer decides how it views that work.
- Pool and casual shifts: A casual employee has no firm advance commitment to ongoing work, and some policies only cover you if you work a minimum number of hours each week, so how your hours fall across each fortnight is worth setting out.
- A study year: Income protection is usually based on your earnings in the 12 months before an illness or injury. If you’re studying, a year of fewer paid shifts can sit inside that figure.
- Placement blocks: Weeks on placement can mean no paid shifts at all. To be paid, you must be unable to work at the end of the waiting period, and how a policy treats time away from paid work for study is set out in its PDS.
- Sick leave, or none: Casual employees don’t get paid sick leave, so a waiting period sits against any savings. Permanent employees build paid sick leave each year; under the National Employment Standards, the minimum is 10 days for full-time employees and pro rata for part-time.
- Shifts for more than one employer: Hospital shifts alongside agency or aged care work can mean income from each employer in the 12-month figure, and cover in more than one fund. 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.
- A permanent contract: Moving from casual to permanent work brings paid sick leave and agreed hours, which can change the waiting period worth choosing. Under the National Employment Standards, an eligible casual can also tell their employer in writing, after a qualifying period, that they want to change to permanent work.
- Registering as an EN or RN: A first enrolled or registered nurse role brings a new job title, duties and pay, and any new application describes them. Any 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.
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 Through Ward Shifts and Study, Worked Through Together
Ward Care Duties Set Out for an Application
The personal care you give, such as helping patients mobilise and shower, described in full on any application.
A Study Year Read Into the Income Figure
Any lighter months of study set against the 12 months of earnings income protection usually looks at.
Placement Weeks Checked Against the PDS
How a policy treats weeks of unpaid placement, read with you in its PDS before you apply.
Pool Hours Read Against Policy Minimums
Your shifts across recent fortnights compared with any weekly hours a policy sets.
A Waiting Period Matched to Your Savings
A waiting period chosen with you around the savings you have when there’s no sick leave to draw on.
Super Cover Checked to See if It Has Started
Each fund looked at with you to see whether any cover has started and what it would pay.
Cover Read Again Before Registration
Any cover you hold, reviewed before a first enrolled or registered nurse role, and any new application described in full.
Claim Paperwork Lodged and Followed Up With You
Forms, payslips and duty details gathered with you, and updates followed up while the insurer or fund assesses the claim.
Proactive, Holistic, and Experienced Financial Planning
A conversation about cover can fit around your shifts, and around any classes or placement you have on. We listen first: how your shifts come through, what your pay looks like across a year, any study plans and what you’d like your cover to do. Each type of cover is explained in plain terms, at a pace that suits you, with room for every question. You’ll usually get our recommendations in writing, so you can read them around your shifts and study.
Paperwork is something we share with you. With your consent, we can request insurance details from any fund you belong to, prepare applications with you and keep in touch with insurers so the follow-up isn’t left to you. A partner or family member is welcome to join our conversations, face to face or on a call between shifts. If you ever need to claim, we’ll lodge it with you and keep you posted until the insurer or fund makes its 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.
Learn more about Financial Planning and Advice for Assistants in Nursing and Hospital PCAs
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 ward work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
AIN and PCA work can mean shifts offered as they come, no paid sick leave as a casual, study and placement weeks with fewer paid shifts, and any later move into enrolled or registered nursing. Each can affect how an insurer assesses an application and how a policy pays, so we look at your duties, hours and pay.
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 usually bases the benefit on your earnings in the 12 months before the illness or injury. If you’re studying and working fewer shifts, a lighter year can sit inside that window and lower the income a policy looks at. Each policy also has its own definition of income, and some only cover you if you work a minimum number of hours each week.
If your shifts pick up later, it can be worth looking at your cover amount again, as an increase is usually assessed by the insurer. We can read the income terms with you across a wide range of insurers, and the insurer decides on any application.
How a policy treats weeks away from paid work for study is set out in its PDS, so that’s the first thing to read. A claim also needs you to be unable to work because of illness or injury at the end of the waiting period. Placement weeks with no paid shifts can sit inside the 12 months of earnings a benefit is usually based on, too.
Premiums for cover held outside super generally stay due through a placement block. We can go through the wording with you before you pick a policy, and the insurer or fund assesses any claim.
Pool work is looked at through your hours, your earnings and the policy’s terms, among other things. Some policies only cover you if you work a minimum number of hours each week, so it helps to set out your shifts across recent fortnights rather than one busy week. The benefit is usually based on your earnings in the 12 months before the illness or injury.
If you’re casual, there’s no paid sick leave behind the waiting period, so savings may need to carry you through it. We can compare policies with you on each of these points, and the insurer decides on any application.
Many funds give eligible members life and TPD cover automatically, and some add income protection. For a new member under 25, or on a low balance, cover may not start unless you contact the fund, or the fund gives automatic cover for a dangerous job. Where it does apply, it’s usually a set amount, with premiums coming off your balance.
If hospital and agency shifts have left you with more than one fund, check the insurance in each before combining them, as you may not be able to claim the full benefit from more than one. We can look at any cover in your funds with you, alongside personal cover.
Any 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. A first nursing role brings a new job title, duties and pay, and any new application should describe them, with each question answered with reasonable care.
A permanent role brings paid sick leave if you’ve been casual, and any sick leave balance you have can change the waiting period worth choosing. We can review your cover with you before the move, and compare options if a change suits you.
Each policy has its own definition of income, which sets what counts. The benefit is usually based on your earnings in the 12 months before the illness or injury, so pay from each employer you worked for in that time can be part of the figure, and payslips from each help show it.
Hospital and aged care shifts can be paid under different rules, and each employer may pay into a fund with its own cover. We can read the income definitions with you, and list any cover held in each fund.
A quote form is quick, and the answers you type in can give you a first look. Advice can go further: how each policy defines income for pool and casual pay, any minimum weekly hours, how placement weeks and study years may be treated, and what any cover in your super provides.
We compare policies from a wide range of insurers with you, describing your duties and hours as they are, and the insurer decides on any application.
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. If you’re on your first pool shifts, part-way through a course or years on the ward, we start with your work and what you’d like your cover to do.
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. Useful to bring: recent payslips from each employer, a list of recent shifts, a statement from each super fund and details of any cover you hold. Medical records aren’t needed for the initial conversation. From there, we’ll agree on a practical next step together.
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
Grow & Protect Your Wealth Today
Whatever’s on your mind, we’re here to help. You’ll speak with an authorised financial adviser who’ll listen first and get to know what matters to you.
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