Life Insurance and Income Protection for Carpenters and Builders
Income Protection for Carpenters and Builders and Their Families
How you’re engaged, the weeks the site stops and any cover through an employer, a scheme or super all shape your personal cover. We can help you weigh up cover, review any you hold and lodge a claim with you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Describe framing, roofing, formwork or fit-out duties accurately on a cover application
- Present a carpenter’s wage and allowances, or a subbie’s profits, to an income protection insurer
- Tell weeks lost to weather apart from the illness or injury that income protection is for
- Find any cover held through a builder, a building industry scheme or each super account
- Work through what ABN work would change for your cover, if you ever leave wages for it
- Show supply-and-fix income on an income protection application, with labour and materials kept apart
- Size life and TPD cover against ute finance, business loans and the household’s own debts
- Consider cover for a building business’s fixed costs, where an insurer offers it, if jobs run under your licence
- Weigh TPD definitions inside and outside super for supervising or estimating, if you ever move off the tools
- Lodge a claim with you, sending site duties and payslips or invoices, and follow it up while the insurer decides
Who We Help
- Carpentry apprentices in the early years of their training
- Carpenters on wages with a builder or building contractor
- Labour-only subbies paid for labour, with the builder supplying materials
- Supply-and-fix subbies who buy in timber and hardware for the job
- Carpenters with their own company or a small crew to pay
- Framing, roofing and formwork carpenters on residential and commercial builds
- Fit-out, renovation and maintenance carpenters and joiners working in a workshop
- Licensed builders running jobs under their own name
- Supervisors, foremen and estimators who came up through the trade
What we advise on
How Each Cover Works Around Building Work
Income Protection
What could keep part of the money from each pay run or invoice coming in if illness or injury stopped you working?
Income protection can pay part of your income after a waiting period, so the household has something steady to plan around.
We’ll compare income protection with you around how building work is paid, whether by wages or by invoice.
Income protection is designed to pay part of your lost income if you’re unable to work due to illness or injury, after a waiting period. The benefit is usually a percentage of your pre-tax income, based on your earnings in the 12 months before the illness or injury. Most policies offer a waiting period between 14 days and two years, and benefits can be paid for a set number of years or to an age.
What we work through with you on income protection:
- Any tool or site allowances on a carpenter’s wage, and whether a policy counts those allowances as earnings
- Wet months and quiet patches between jobs, and how they sit inside the 12 months a policy looks back on
- How many years of payments to insure, with ute finance, tool loans and any mortgage in mind
- A waiting period set against any leave and savings, since a run of wet weeks may already have drawn on both
- Workers compensation for a fall or strain at work, if you’re eligible, and the PDS terms that may cut a benefit while both pay
- Any income protection through a building industry scheme, read for its own limits and when that cover stops
- Coming back on light duties, fewer days on site or bench work in the workshop, and any partial benefit a policy offers
- Whether income protection premiums come from your pay, any business or your own super balance, which lowers your retirement savings
Life Insurance
Could your loved ones manage the household and any business costs if you were no longer here?
Life cover can pay your beneficiaries a lump sum towards debts, everyday costs and any business commitments left behind.
We’ll work out an amount with you from the debts your household and any building business carry.
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. When life cover is packaged with TPD or trauma, the life amount may be reduced by any amount paid on those claims, and if no beneficiary is named, your estate or the super trustee may decide where the money goes.
What we work through for life cover:
- Household debts and any business loans for a ute, tools or a workshop, added up to size the lump sum
- Any jobs under way, their progress payments and the costs of closing out a building business
- Any funds from past builders and contractors, checked for life cover before anything is combined
- A super nomination, open to eligible people or your estate, revisited after a wedding, a baby or a separation
- Bundled life and TPD, where any TPD payout may shrink the life amount the family later receives
- Roof work, formwork or bench joinery spelled out for the insurer, since job questions come up for life cover too
- Any partner’s own cover and income, weighed together where the household runs on a wage and a subbie’s invoices
- A first crew, a builder’s licence or a new home, each a point to revisit how much life cover is enough
TPD Insurance
If you could never work again, what would your plans for the years ahead rest on?
A TPD lump sum can go towards debts and the years ahead if you can’t work again, as the policy defines it.
We’ll compare TPD definitions with you against the skills carpentry and building work draw on.
A TPD policy can pay a lump sum if illness or injury leaves you unlikely 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, and TPD cover in super usually ends at an age set in the fund’s insurance terms.
What we compare with you for TPD:
- Whether own occupation cover tied to carpentry is open to you, or a wider test of what your trade skills suit
- Quoting jobs, running a site or inspecting builds, and how an any occupation definition might read those skills
- Any builder’s licence or trade qualifications, and how a definition may take them into account
- TPD wording in each fund a builder paid into, checked before any account is closed
- Crew leader or company director roles, and how an insurer may describe that occupation on a TPD application
- A TPD amount set against any home loan, ute and equipment finance, and the cost of retraining away from site work
- Lifting, climbing and time on scaffolds or roofs, written up accurately on a TPD application
- Building debts set against a TPD lump sum, and income protection for part of what jobs paid
Trauma Insurance
How might time away from jobs and the cost of treatment be met if you were diagnosed with a serious illness?
Paid as a lump sum, trauma cover can help when a listed condition meets the policy’s definition and isn’t excluded.
We’ll explain the conditions a trauma policy lists, and how a lump sum could sit beside income protection.
A trauma policy can pay a lump sum when you’re diagnosed with a listed condition that meets the policy’s definition and isn’t excluded. Medical definitions can be different between insurers, so the wording matters as much as the list. 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:
- Heart, cancer and stroke wording, read clause by clause, since medical definitions can differ between insurers
- Smaller part-payments some policies make for an early-stage diagnosis, weighed against weeks off the tools
- A new trauma policy funded from your own pocket or the business, because super funds no longer offer new trauma cover
- Any crew wages, supplier accounts or mortgage that keep arriving during treatment, which a trauma payout could go towards
- Trauma joined to life insurance, where a payout for a diagnosis may reduce what the family later receives
- Weeks off site for surgery or treatment as a subbie, with jobs to hand over and no sick leave
- Any trauma policy already in place, and the gap that cancelling it ahead of an accepted replacement could leave
- Whether you or any building business pays the trauma premium, and the tax question each route raises for an accountant
Cover in Super
Could any cover in your super already match the way you’re engaged now?
Reading what each fund provides can show what you hold, if anything, and which parts suit your work.
We’ll check the cover in each of your super funds with you before anything is changed.
Most super funds give eligible members life and TPD cover by default, and some give income protection too. 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. Cover may stop if your balance is too low, you change fund or reach an age limit.
What we look at in your super with you:
- Cover in the funds each builder paid into, found and listed so nothing from an earlier job is missed
- A move from wages to contracting, which Moneysmart suggests checking against the insurance cover through your super
- Super from labour hire or a builder on wages, generally paid into your existing fund unless you choose another
- Apprentices under 25 or with a low balance, whose cover may not start unless they ask, or the fund covers a dangerous job
- The job title your fund holds, checked if you move from carpentry on site into quoting or supervising
- Any earlier back or knee injury from site work, read against the fine print each fund attaches to automatic insurance
- Default amounts in super set beside a builder’s family needs, with premiums drawn from the balance
- Any accounts from labour hire or past employers, merged only once the cover in each has been weighed up
Wet Weeks, Quiet Patches and Your Cover
Across a year of wet weeks and busy runs, how could cover reflect the work you usually do?
Knowing which lost weeks each cover is for can let you plan your buffer and your cover side by side.
Together, we’ll sort which lost weeks your cover is for, and which ones a cash buffer is for.
Income protection is for weeks you’re unable to work due to illness or injury, not weeks the site stops. Under the Building and Construction Award, employees in general building or civil construction stopped by inclement weather are generally paid ordinary hours up to 32 hours in a 4-week period, though agreements may differ, and a contractor doesn’t get paid leave. Wet weeks still sit inside the 12 months of earnings a policy looks back on.
What we look at with you across a building year:
- Weeks lost to rain, heat or wind, set apart from the illness or injury weeks income protection is for
- A cash buffer for wet weeks and gaps between jobs, planned separately from any insurance
- A slow patch inside the 12 months before an illness or injury, and how it may shape the benefit
- Hours worked across wet and busy months, set out for any policy that only covers you above a minimum number of hours each week
- The award’s inclement weather pay for employees, and why the same week on an ABN may bring in nothing
- Sick leave built on your ordinary hours as a permanent employee, and none to draw on as a casual or contractor
- A busy run of overtime and the quieter months after it, compared with how a policy counts income
- Cover looked at again after a long quiet stretch, so the amount insured still reflects your earnings
From Subbie to Builder
If you move from wages to an ABN, your own company or your own jobs, how could your cover keep pace?
Checking cover before each step can help it keep pace with how you’re engaged and paid.
We’ll look at your cover with you before each step along the chain, from wages to running your own jobs.
Workers compensation is separate, through a state, territory or Commonwealth scheme. A builder contracting with you as an individual may owe your super when you’re paid mainly for your labour, for your personal skills rather than for a result, and you do the work yourself. For a contract with your company, trust or partnership, the builder doesn’t have to pay super for the person your entity employs for the work. An insurer may base self-employed income on your profit share.
What we look at with you at each step:
- Wages to labour-only ABN work, and what changes for workers compensation, super and cover in super
- Any building industry scheme cover, and what happens to it when an employer stops paying in for you
- Whether a builder owes you super under the ATO’s three tests, with materials or equipment on the same invoice left out
- Contracting through your own company or trust, with the structure itself worked through with your accountant
- Supply-and-fix work on an application, where an insurer may look at your share of profits rather than invoice totals
- Policy ownership if your business is or becomes a company, and who pays the premiums from which account
- Business expenses cover, where an insurer offers it, beside income protection once you run your own jobs
- How a workers compensation scheme views a subbie or company director, a question for that scheme or a lawyer
Making a Claim
Would it help to have someone with you at each step of a claim, from the forms to the decision?
Support with the forms and the follow-up can leave you more room for everything else going on.
Together, we’ll lodge a claim and follow it up while the insurer or fund assesses it.
Moneysmart suggests speaking first to whoever you arranged the cover through: the fund, the insurer, a financial adviser or, for cover through work, your employer. An insurer can ask about your work duties, physical requirements and weekly hours, along with payslips and tax returns, or financial statements if you’re self-employed. The insurer or fund assesses the claim, and a complaint goes to the insurer or super fund first, then to AFCA.
How we help with a claim:
- The first call on a claim: a builder you work for, any industry scheme, your fund, the insurer, or us, if we’re your financial adviser
- Framing, roofing or formwork duties and a typical week’s hours on site, written up as the work stood beforehand
- A builder’s payslips, or a subbie’s tax returns and business accounts, for the year before you stopped work
- Medical evidence from whoever treats you while you’re off site, which the insurer seeks with your permission
- Records from a builder or labour hire firm confirming your hours on site, gathered with you for the insurer
- Updates to the insurer if you move to bench work, quoting or fewer days on site during a claim
- Regular claim forms through a longer time off the tools, done with you as the insurer asks
- A claim made in a quiet season, with earnings from the busier months around it set out for the insurer
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your duties on site: Insurers usually ask about your job when you apply. Framing, roofing, formwork, fit-out and workshop joinery are different work, so how much of your week goes on heights, lifting or cutting materials that make dust is part of describing it accurately.
- Your hours across the year: Some policies only cover you if you work a minimum number of hours each week. Wet weeks and busy runs can make hours uneven, so your usual hours across a year are worth setting out.
- How you’re paid: Income protection is usually based on your earnings in the 12 months before an illness or injury. On wages, the policy’s definition of income decides whether allowances and overtime are counted.
- Weeks the site stops: Rain, heat and quiet patches between jobs aren’t what income protection is for, but those weeks still sit inside the 12 months a policy looks back on.
- Cover through an employer: Workers compensation is insurance for employees injured at work or made sick by their work, if they’re eligible. Any cover through a building industry scheme relies on an employer paying contributions for you.
- Going out on an ABN: Moving from wages to contracting can change workers compensation, super and any cover in super. Whether a builder has to pay your super depends on the contract and the ATO’s tests.
- Running your own jobs: If you run jobs through your own business, an insurer may work out income from your share of the business profits, and any business debts come into life and TPD amounts.
- A new role or lighter duties: Supervising, estimating or inspecting changes your duties, so how any policy or fund records your occupation is worth reading. If you’re coming back on lighter duties, an insurer may ask about your hours and any claim under way.
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 Carpentry and Building Work, Worked Through Together
Your Site Duties Set Out
Framing, roofing, formwork or fit-out work and your weekly hours, described as they are on any application.
Weather Weeks and Illness Weeks Told Apart
Which lost weeks income protection is for, and which a cash buffer is for, worked through with you.
Employer, Scheme and Super Cover Mapped
Any cover through an employer, a building industry scheme and each fund listed, with what each one relies on.
Cover Looked At Before ABN Work
Workers compensation, super and any cover in super gone through with you before any move off wages.
Supply-and-Fix Income Set Out
Labour, materials and business profits shown apart for an income protection application.
Life and TPD Set Against Business Debts
Household and building business debts added up with you to work out life and TPD amounts.
TPD Definitions Weighed for Any Move Off the Tools
How own and any occupation definitions may read supervising or estimating work, gone through with you.
A Claim Lodged With You
Your claim forms, site duties and pay records lodged with you, then followed up until the insurer decides.
Proactive, Holistic, and Experienced Financial Planning
A conversation about cover begins with your working week on site: whether you’re on wages, sending invoices or running jobs under your own name, and what you’d want cover to look after. From there we go through each type of cover in plain language, take your questions as they come and work at whatever pace suits you. Our recommendations usually come to you in writing, and the decisions are always yours.
We share the paperwork with you as well. With your consent, we can request insurance details from your super funds and any scheme that holds cover for you, gather the payslips or business accounts an application needs, read the PDSs side by side and follow things up with insurers while they assess it. A partner or family member is welcome at any conversation, and if you ever need to claim, we’ll lodge it with you and keep you updated 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.
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 carpentry or building work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Carpentry and building work can mean time at height, heavy lifting, wages and then invoices, cover through an employer or industry scheme, and income run through a business. Each can affect how an insurer assesses an application and how a policy pays, so your duties, hours and how you’re paid 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.
It depends on why the work stopped. Income protection is designed to pay part of your income if you’re unable to work due to illness or injury, so a rained-out week or a gap between jobs isn’t what it’s for.
Those weeks still count in other ways. A policy usually bases its benefit on your earnings in the 12 months before the illness or injury, and some only cover you if you work a minimum number of hours each week. Under the Building and Construction Award, employees in general building or civil construction stopped by inclement weather are generally paid ordinary hours up to a cap, though agreements may differ; on an ABN there’s no paid leave. We can plan a cash buffer for those weeks alongside your cover.
It depends on the scheme’s terms. Some building industry schemes that employers pay into give construction workers income protection for injury or illness outside work, and that cover relies on the employer paying contributions for you. Cover through such a scheme generally doesn’t continue for periods without those contributions, so leaving wages for ABN work can change the cover that applies to you.
Scheme cover has its own limits, waiting periods and benefit periods, set out in the scheme’s terms and any statement it sends you. Moneysmart suggests checking how a move to self-employment affects the insurance cover through your super, too. We can read any cover you hold with you and compare personal cover you could apply for, and the insurer decides on any application.
Each policy has its own definition of income, so the wording matters. A supply-and-fix invoice includes the materials you buy for the job, so the invoice total isn’t the same as what you earn from the work. For a self-employed person, an insurer may work out income from your share of the business profits rather than from what you bill.
When you apply, and again if you claim, an insurer can ask for tax returns or financial statements, so records that show labour, materials and profit clearly make that easier. An accountant can prepare those figures. We can set out your income with you for an application and compare how policies define it, and the insurer decides on the cover it offers.
Running jobs under your own name can bring new debts and more people relying on the business, so it’s a good point to look at your cover again. Any business loans, equipment finance or business debt you’re personally liable for sits beside household debts when life and TPD amounts are worked out.
If the business is a company, who owns each policy is worth working through, with the structure itself a question for your accountant. Some insurers offer business expenses cover, which is separate from income protection and is designed to help with fixed business costs if illness or injury stops you working. We can review any cover you hold with you, and the insurer decides on any application and its terms.
It depends on the definition. An own occupation definition looks at whether you could work in your usual occupation, while an any occupation definition looks at any job suited to your education, training or experience. For someone with the skills to estimate, supervise or inspect, those words can matter, and the insurer assesses each claim against the policy’s wording.
Own occupation TPD is usually only available outside super, and the TPD in each super fund has its own definition. How an insurer or fund records your occupation is worth reading too, particularly after a move off the tools. We can compare definitions with you before you choose, and the insurer decides on any application and any claim.
Start with the debts themselves: any home loan and household debts, plus any business loans, equipment finance and business debts you’re personally liable for, read alongside the lender’s documents. Then add what anyone who relies on your income would need for everyday costs and any plans you share.
Any cover in place counts too: life and TPD in each super fund, and any policy held outside super. Setting that against the total shows what, if anything, is still missing. The amounts are worth looking at again with a builder’s licence, a bigger contract or a new loan. No rule of thumb fits every household, so we can work through it with you, and the insurer decides on any application.
Online tradie cover is built from the questions it puts to you, and you see only the options that seller offers. For a carpenter or builder, several things can sit outside those questions: how wet months and quiet patches show in your earnings, whether materials pass through your invoices, and what a building industry scheme or each super fund already provides.
Personal advice brings those pieces together. We look at your duties on site, how you’re paid and the debts your household and any business carry, then compare cover from a wide range of insurers with you. 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.
Yes. We start with the work you do, whether you’re on wages, on an ABN or running your own jobs, 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. It helps to bring recent payslips, or invoices and business accounts, a statement from each super fund, any scheme statement and any policy you hold, and from there we’ll agree on where to begin.
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