Life Insurance and Income Protection for Cleaners
Income Protection for Cleaners and Their Families
What you clean, your hours at one site or several, how you’re employed or paid and any cover in super shape your choices. We can help you describe your work, review cover, compare and apply, and lodge claims with you.
Financial Advice for Life Insurance and Income Protection
Who We Help
- Contract cleaning company staff in offices, shopping centres and other buildings
- School, hospital and transport cleaners on early, late or day shifts
- Domestic cleaners in private homes, employed or self-employed
- Window cleaners working from ladders, scaffolding or ropes
- Carpet, pressure and specialist cleaners running heavy machines
- Casual and part-time cleaners working at one site or several
- Cleaners at a taken-over site now employed by a new cleaning company
- Self-employed cleaners with their own clients on an ABN, including bookings through apps
- Supervisors and team leaders who still clean on shift
We Can Help You
- Set out the premises you clean, the machines you run and how you reach any high windows on a cover application
- Show an insurer the cleaning hours you work, site by site, where an income protection policy has a minimum hours term
- Read how a policy’s income terms treat penalty rates, loadings and allowances from early, late or broken shifts
- Weigh how long savings could cover your costs when choosing an income protection waiting period for cleaning work
- Read the insurance in any super accounts opened through different cleaning jobs, and the occupation each fund records
- Look at your cover when a new company takes over the cleaning contract at your site
- Review insurance through work and super before you start cleaning for your own clients
- Weigh life and TPD amounts against debts and anyone who relies on your cleaning pay
- Weigh trauma cover beside income protection for the costs a serious diagnosis can bring
- Prepare a claim with you for the insurer or fund, with timesheets, payslips or invoices from each cleaning job
What we advise on
How Each Cover Works Around Cleaning Work
Income Protection
Off your cleaning shifts for weeks with illness or injury, what could help with the costs at home?
Income protection can pay part of your income after a waiting period, helping with regular costs while you’re unable to work.
We’ll read income protection terms with you against the cleaning you do and your hours at each site.
Income protection can pay part of your lost income if illness or injury stops you working, usually a percentage of your pre-tax earnings in the 12 months before the illness or injury. Each policy has its own definition of disability, and some only cover you if you work a minimum number of hours each week. Most policies offer a waiting period of 14 days to two years, and you must be unable to work at its end.
What we look at with you for income protection:
- Payslips from any cleaning employer, or your own invoices, laid out to show the income a policy would count
- Shifts of any length at offices, schools or homes, totalled across the week against any weekly hours floor a policy sets
- Penalty rates, loadings and allowances from early, late or broken shifts, read against each policy’s income terms
- Floor, window or domestic cleaning duties, read against a policy’s definition of disability, which some tie to your usual occupation
- Fewer sites or no scrubber work for a while, read against the reduced-capacity terms in some policies
- Any money put by from cleaning pay, and any sick leave owed to you as a permanent cleaner, counted when you choose how long to wait
- An accepted workers compensation claim from a cleaning shift, and how those payments may reduce what a policy pays
- Where the premium comes from, cleaning pay or a super balance, and the tax treatment your accountant confirms
Life Insurance
For anyone who shares your costs, how would rent or a home loan be met if you were no longer here?
Your beneficiaries can receive a lump sum from life cover, to put towards debts, everyday costs and plans already made.
We can total a life cover amount with you from your debts, anyone relying on your pay and any cover in super.
A life policy can pay a lump sum to your beneficiaries if you pass away, and life cover may also come with terminal illness cover. If you haven’t named a beneficiary, your estate or the super trustee may decide where the money goes. Life cover sold in a package may be reduced by any amount paid on another claim in that package.
What we weigh up with you for life cover:
- Rent or mortgage repayments, car finance or a credit card met from cleaning pay, each listed as it stands
- Insurance in a super fund from any earlier cleaning job, read for life cover before a new amount is chosen
- Funeral costs, and any school fees or rent ahead for people who rely on you, listed before a life amount is set
- Any life cover in super, and where it sits if a new company ever takes over the cleaning at your site
- Window work from ropes or ladders, or heavy machines, disclosed on a life application when the insurer asks about your job
- Two cleaning incomes in one home, if that’s your household, each weighed for what the other would need
- The amount looked at again when a new home, a baby or a new debt changes what’s needed
- A policy in your own name outside super, weighed against any cover tied to a cleaning job’s fund
TPD Insurance
Which plans would still need paying for if you could never work again, at cleaning or anything else?
If you can never work again, as the policy defines it, a TPD lump sum can go towards debts and plans.
We’ll compare TPD definitions with you against the work your cleaning experience could suit.
TPD cover can pay a lump sum if illness or injury means you’re unlikely to work again, as the policy defines it. An own occupation definition looks at your usual job, while an any occupation definition looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, and a TPD payout may reduce any life cover packaged with it.
What we compare with you for TPD:
- Own occupation wording for physical cleaning work, compared with any occupation wording that looks across other jobs
- Any years leading a cleaning crew or training new starters, weighed by an any occupation definition looking at your experience
- Any TPD in funds from past cleaning jobs, with its definition read before an account is closed or combined
- The occupation each fund has on record, and asking the fund to correct it if it doesn’t match your work
- Some TPD policies test everyday tasks like dressing or showering rather than whether you could clean again
- Default TPD amounts, which are set rather than tailored, compared with what your debts would need
- A TPD sum weighed against your debts and the cleaning income you’d no longer earn
- A long break from cleaning on income protection, and TPD for a permanent stop, mapped so each has a clear role
Trauma Insurance
With a serious diagnosis, how could treatment costs and missed cleaning shifts be paid for?
Lump sum trauma cover can pay out if you’re diagnosed with a listed condition that meets the policy’s definition and isn’t excluded.
We’ll read with you what a trauma policy lists, and how it sits beside income protection.
Trauma cover can pay a lump sum for a listed critical illness or serious injury that meets the policy’s definition and isn’t excluded, and medical definitions can be different between insurers. Moneysmart names trauma insurance among the cover that can help replace lost income. New trauma cover can’t be held inside super, which has been the rule for policies written since 1 July 2014.
What we go through with you for trauma cover:
- The conditions a trauma policy lists, compared insurer by insurer before you commit any of your cleaning income to premiums
- A survival period, which some trauma policies require after diagnosis before they pay, checked with you in each option
- Trauma cover chosen with your cleaning budget in view, from a smaller sum to one sized around your debts
- The age at which each trauma policy’s cover ends, set against how many more years of cleaning you have in mind
- Regular homes or cleaning contracts you might hand over during treatment, set beside what a trauma payout could fund
- Window, domestic or commercial cleaning set out plainly when a trauma insurer asks what you do for work
- Any cover you already hold, read so a new trauma policy sits beside it rather than repeating it
- Choosing between a higher trauma sum and a longer income protection benefit period, weighed against your cleaning budget
Cover in Super
Across any super funds from past cleaning jobs, how well does the cover fit the work you do now?
Checking each fund’s cover against your current work can show what’s worth keeping and what to change.
We’ll check what cover sits in each of your funds with you before anything changes.
A fund may give eligible members life and TPD cover, and some also income protection, for a set amount, usually without medical checks. Premiums are deducted from your super balance, not your take-home pay. If you hold more than one account, you may be paying premiums on more than one policy and may not be able to claim the full benefit from more than one. If a fund has classified your occupation incorrectly, Moneysmart suggests contacting it.
What we check in each fund with you:
- Any account opened when a cleaning company paid your super, listed with the life, TPD or income protection it holds
- Cleaner, labourer or another label on each fund’s file, and the fund asked to change it if it doesn’t fit your work
- Any fund you hold if a new cleaning company ever wins the contract at your site, and whether its insurance still suits
- Exclusion clauses in each fund’s PDS, read with the physical side of your cleaning work in mind
- Insurance premiums drawn from super built on any part-time or casual cleaning pay, set beside the life and TPD they buy
- Funds from different cleaning contracts merged only after the life and TPD each one holds is compared with you
- A higher sum insured than the default, if your debts or family call for it, applied for and assessed by the insurer
- The age at which each fund’s cover ends, as its PDS sets out, read as one of the terms on how long cover lasts
Homes, Offices, Windows and Specialist Cleaning
How could setting out the cleaning you do help any cover fit your work?
Describing your work as it is, from the places you clean to the machines you use, gives an insurer a clear picture.
We can describe your cleaning work with you for any application and check how each policy or fund records it.
Cleaning takes in several kinds of work. Commercial cleaning covers places such as offices, schools, hospitals and industrial sites, and can involve heavy duty equipment such as floor scrubbers and pressure washers. Domestic cleaning is in private homes, and window cleaning can mean ladders, scaffolding or ropes to reach windows at height. Insurers usually ask about your job when you apply, and the duty is to answer the questions asked with reasonable care.
What we set out with you about your cleaning work:
- Private homes, offices, schools, hospitals or transport sites, named as the places you clean on an application
- Industrial or construction site cleaning, where your work includes those sites, described with the tasks each one involves
- Floor scrubbers, pressure washers and other heavy machines you run, listed as part of your duties
- Windows reached from ladders, scaffolding or ropes, including any rope access work, described as it is
- Carpet, end-of-lease or other specialist cleaning, set out alongside your regular work when you take it on
- Supervising a team while still cleaning on shift, described with how your time splits between the two
- Early-morning, day or night cleaning work, recorded as your shifts fall across the week
- Your work description looked at again with you when the mix of sites or tasks changes
Casual, Part-Time or Your Own Clients
When your employer, hours or way of working changes, what could that mean for any cover you hold?
Looking at your cover before a change can show what stays with you and what’s worth reviewing.
We’ll look over your cover with you before a new employer, new hours or your own ABN.
Under the National Employment Standards, casual employees aren’t entitled to paid sick leave, and under one award, for example, part-time cleaners agree their weekly hours with their employer. When a business changes hands, a new employer has to recognise your service for most entitlements, including sick and carer’s leave, if the change counts as a transfer of business, which Fair Work can explain. If you keep the same super fund between jobs, its insurance will usually stay with it.
What we look at with you when your work changes:
- Casual or part-time cleaning hours, read against any minimum hours or employment terms in a policy
- A new company taking over your site, and whether sick leave carries across, which can depend on a transfer of business
- Any cover an employer arranges for staff, asked of the new employer when the cleaning contract changes hands
- A second site or evening job, with the extra hours and pay set out for any policy you hold or apply for
- Insurance through your super, checked before any move from cleaning for an employer to your own clients
- Super a business may owe on a contract: mainly your labour and skills, work you do yourself, and not via your company, trust or partnership
- Business records for an application, such as invoices and tax returns, prepared with your accountant
- Public liability and other business insurance, left with a general insurance broker who can advise on it
Making a Claim
Should you need to claim, who could handle the forms and follow-up with you?
Sharing a claim with a financial adviser means it’s lodged and followed up with you while the insurer or fund assesses it.
We’ll lodge the claim with you and stay with it while the insurer or fund assesses it.
Moneysmart suggests speaking first to whoever arranged the cover: the fund, the insurer, a financial adviser or, for cover through an employment arrangement, your employer. The claim itself goes to the insurer, or the fund for cover in super, which can ask for your work duties, including physical requirements, weekly hours, payslips and tax returns, or financial statements if you’re self-employed. A complaint goes first to the insurer or super fund, then to AFCA.
How we help with a claim:
- Every question on an insurer’s or fund’s claim form answered with you, using your own words about the cleaning you did
- Each site’s duties and weekly hours, from floor machines to window access, written up as you worked them
- Pay records from each cleaning employer, or your own invoices on an ABN, put together for the insurer or fund
- What your doctors report about the cleaning tasks you can’t manage, gathered by the insurer with your consent
- Two claims after a cleaning shift injury, if both apply: one decided by the workers compensation scheme, one by your own insurer
- Any sick leave or other pay from a cleaning employer while you’re off, listed so the insurer can apply the PDS terms
- Picking up one or two light shifts again, and the partial benefit some policies pay while earnings are lower
- Chasing replies from the insurer or fund on your behalf, so you know where your cleaning claim stands
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
- Homes, offices or other premises: Insurers usually ask about your job when you apply. Cleaning private homes, offices, schools, hospitals or industrial sites can involve quite different work, so the places you clean are worth setting out, with each question answered with reasonable care.
- Scrubbers, ladders and ropes: The machines you run, such as floor scrubbers or pressure washers, and how you reach any high windows are part of describing your work. At claim, an insurer can ask about your work duties, including their physical requirements.
- Hours across your sites: Some policies only cover you if you work a minimum number of hours each week, and an insurer can ask about your weekly hours at claim. If you clean at more than one site, setting the hours out together gives a clearer picture.
- Early, late and broken shifts: Under one award, for example, cleaning pay can include penalty rates for early, night or weekend work and an allowance for a broken shift. Income protection usually works from your earnings in the 12 months before an illness or injury, and each policy’s terms decide what counts.
- Casual shifts with no sick leave: Under the National Employment Standards, casual employees aren’t entitled to paid sick leave. Any income protection benefit starts after a waiting period, so the savings you could draw on and the period you choose are worth weighing together.
- A new company at your site: If you stay with the same super fund when a new company takes over, your insurance will usually stay with that fund. Any cover an employer arranges is a question for the new employer, and whether sick leave carries across can depend on whether the change counts as a transfer of business, which Fair Work can explain.
- Taking on your own clients: Working for your own clients on an ABN means no paid sick leave, and Moneysmart suggests checking whether a move from employee to self-employed affects the insurance through your super. Workers compensation is separate, through a state, territory or Commonwealth scheme, and each scheme sets who qualifies.
- Fewer sites or lighter cleaning: Some policies pay a partial benefit when you can work in a reduced capacity and earn less than before, such as on fewer sites or lighter tasks. Other payments, such as workers compensation, may reduce an income protection benefit.
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 Cleaning Work, Worked Through Together
Your Cleaning Work and Equipment Set Out
The places you clean, the machines you run and how you reach any high windows, described on any application.
Hours at Each Site Set Out
Weekly hours at one site or several, added up for any policy with a minimum hours term.
Shift Pay Read Against Income Terms
Penalty rates, loadings and allowances compared with how each policy counts your income.
A Waiting Period Weighed Against Your Savings
Any savings, and any paid sick leave you have, set beside each waiting period on offer.
Each Fund’s Cover and Occupation Record Read
The insurance in each super account and the occupation the fund records, checked with you.
Cover Looked at When Your Site Changes Company
Super, any employer cover and sick leave questions worked through when a new company takes over.
Cover Reviewed Before You Work for Your Own Clients
Insurance through super and any personal policy looked at before you start working on an ABN.
A Claim Lodged and Followed Up With You
Duties, hours and pay records gathered while the insurer or fund assesses the claim.
Proactive, Holistic, and Experienced Financial Planning
Any cover you hold or apply for should fit the way your cleaning week runs, so we listen first. Tell us about the homes, offices or sites you clean, who pays you and the hours you keep, along with what you’d like cover to do for you and anyone close to you. We explain each type of cover in plain words, answer questions as they come up and arrange a time to talk that suits your cleaning hours, early, late or in between.
With your consent, we gather the paperwork alongside you: payslips or invoices, a statement from each super fund, any policy documents and any summary of cover an employer arranges. We then follow up with funds and insurers for you. Anyone you’d like beside you, whether family or a friend, is welcome to sit in on our conversations. Our recommendations usually come to you in writing, so you can go over them when it suits you and ask us anything.
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 cleaning work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Cleaning can mean homes, commercial premises or windows at height, hours at one site or several, and work as a casual, part-time or full-time employee or on an ABN. Each can affect how an insurer assesses an application and how a policy’s terms apply at claim, so 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.
It depends on the questions each insurer asks, though insurers usually ask about your job when you apply. It helps to set out the places you clean, such as homes, offices or industrial sites, the machines you run, how you reach any high windows, whether by ladder, scaffolding or rope, and your weekly hours.
The duty when applying is to answer the questions asked with reasonable care, and each insurer assesses an application in its own way. We can help you describe your work as it is, and the insurer decides on any application.
It depends on the cover you hold and where it sits. 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. If you stay with the same fund, your insurance will usually stay with it. Any cover an employer arranges for staff is worth asking the new employer about.
A new employer has to recognise your service for most entitlements, including sick and carer’s leave, if the change counts as a transfer of business, and Fair Work can explain whether it does. That can change what would carry you through an income protection waiting period, so we can look at it again with you.
It depends on what else you could draw on. Under the National Employment Standards, casual employees aren’t entitled to paid sick leave, and income protection waiting periods usually range from 14 days to two years. To be paid, you need to be unable to work because of the illness or injury when the period ends.
Moneysmart suggests counting any savings or investments you could sell when working out how much cover you need. Some policies also only cover you if you work a minimum number of hours each week, so your hours across any sites are worth setting out too. We can weigh waiting periods with you against what you have, and the insurer decides on any application.
It depends on how you set up. Moneysmart suggests checking whether moving from employee to self-employed affects the insurance through your super, and working for yourself means no paid sick leave. A business you contract to may still have to pay your super if you’re paid mainly for your labour and own skills and do the work yourself, but not when the contract is with your company, trust or partnership.
Workers compensation is separate, and each scheme sets who qualifies. At claim, an insurer can ask for financial statements if you’re self-employed, and public liability is a question for a general insurance broker. We can look at your personal cover with you before the move.
It depends on what your fund has on record. A fund may record an occupation for you, and if it has classified you incorrectly, Moneysmart suggests contacting it. Any default cover is for a set amount, and its exclusions and pre-existing condition rules are set out in the fund’s PDS.
Premiums are deducted from your super balance, not your take-home pay. If you have more than one account, you may be paying premiums on more than one policy and may not be able to claim the full benefit from more than one. We can read the cover in each fund with you and compare it with the work you do now.
It depends on your debts and who relies on each income. Each of you can total any rent or home loan, other debts and the costs you share, then count any life cover already held in each of your super funds.
If no beneficiary is named, your estate or the super trustee may decide where the money goes, and life cover sold in a package may be reduced by another claim paid in that package. Each of you is assessed on your own application, and the insurer decides on each one. We can work through both amounts with you together.
Comparison sites can show quotes quickly, based on the questions they ask. They may not show how a policy’s income terms count penalty rates or allowances, how a minimum hours term reads hours spread across sites, or what cover already sits in each super fund.
Personal advice starts with your duties, hours, pay and any cover you hold, then compares definitions and terms from a wide range of insurers with you. 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. Homes, offices or windows, employed or on your own ABN, we begin with the cleaning you do, your hours and what matters most to you.
There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Worth bringing: recent payslips from each employer, or invoices, tax returns and financial statements on an ABN, a statement from each super account, any employer cover summary, any policy you hold, and a short note of your sites and weekly hours. From there, we’ll settle on a practical way forward 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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