Life Insurance and Income Protection for Youth, Child Protection and Community Workers
Income Protection for Youth, Child Protection and Community Workers and Their Families
Any end date on a funded role, any packaged pay, your days and hours, and any cover in super all shape your cover. We help you compare and apply for cover, check any you hold and lodge claims with you.
Financial Advice for Life Insurance and Income Protection
Who We Help
- Child protection practitioners whose week mixes office time, home visits and after-hours duty
- Youth workers on outreach, in drop-in programs or on refuge rosters
- Residential care workers working rotating days, nights and weekends in a residential home
- Family violence and homelessness caseworkers in programs with a renewal date
- Social workers employed by a charity or a government department
- Casual and relief workers picking up shifts without paid sick leave
- Part-time practitioners whose contract sets their days
- Graduates in a first role in community services, with a new super fund
- Team leaders and program managers still carrying some client work
We Can Help You
- Set out what your work involves beyond the job title, from home visits to residential rosters, on any application
- Find out whether an income protection policy counts the packaged part of a salary, before you apply
- Test any income protection minimum hours rule against the days you work, including a renewal at fewer days
- Set an income protection waiting period around any personal leave from your organisation, or savings if you take relief shifts
- Look at any cover well before a funded role reaches its end date
- List any insurance attached to each fund a charity, department or program has paid your super into
- Read any public sector scheme’s cover before a move into or out of a government department
- Weigh how TPD wording would view a later move to intake, policy, training or office work
- Revisit how much cover suits you when you move from client work to leading a team or program
- Lodge a claim with you, with payslips and any packaging statements showing your full pay, and follow it up while the insurer assesses it
What we advise on
How Each Cover Works Around Community Services Work
Income Protection
Should time off for illness or injury take you away from your programs, how would rent, repayments and other bills be met?
Paid after a waiting period, income protection can cover part of your income to help with regular costs while you recover.
We’ll compare income protection with you around any funding end date, how you’re paid and the days you work.
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 definitions of income and 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. Benefits can run for a set number of years or to an age.
What we work through with you on income protection:
- Any packaged amount on your payslip, and whether each insurer’s income wording includes that amount
- A contract renewed at fewer days a week, and how the lower earnings flow into the year an insurer measures
- Policy rules on the least hours you must work each week, set beside any part-time contract or relief shifts
- Weeks you’d wait for payments, set against any sick leave your organisation gives, or savings if you work casually
- A benefit period weighed beside a program’s funding date, with the PDS showing how a policy treats a contract ending
- Limits or exclusions a policy may set for mental health conditions, read in the PDS before you choose
- Any employer or scheme payments after a workplace injury, which the PDS may count against what income protection pays
- Premiums taken from a super balance or paid personally, with salary packaging queries for your packaging provider and accountant
Life Insurance
For anyone you share a home and plans with, how would those plans carry on if you were no longer here?
Life cover can pay your beneficiaries a lump sum for any debts, household costs and the plans you’ve made together.
Together, we’ll size a life cover amount from any debts, anyone who relies on your income and any cover in super.
A life policy can pay a lump sum to your beneficiaries if you pass away, and some include a terminal illness benefit. Insurers usually ask about your age and your job when you apply. If you haven’t named a beneficiary, your estate or the super trustee may decide where the money goes, and life cover sold in a package may be reduced by any amount paid on other claims in the package.
What we work through for life cover:
- Whatever you owe, from any mortgage to any car you use for client visits, added into the lump sum you choose
- Any life insurance attached to a fund from a previous charity, department or program, listed with you
- Who receives your super and any insurance in it, named through a nomination the trustee accepts, beside any will
- A death benefit from any public sector scheme a government role brings, read under that scheme’s own rules
- A fund that bundles death and disability cover, where any disability payout may lower the sum left for beneficiaries
- Any cover a partner holds through their own job or fund, set beside yours so shared costs are counted once
- Any terminal illness option your own life policy may offer, and the medical wording it relies on before paying early
- Your sum insured looked at again when a funded contract becomes permanent, or when your pay or housing changes
TPD Insurance
Which longer-term plans would still need funding if you could never work again?
Debts and future plans can draw on a TPD lump sum if you can’t work again, as the policy defines it.
We’ll weigh TPD definitions with you against community services work and the roles your 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. An any occupation definition 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 65, and a TPD payout may reduce any life cover packaged with it.
What we compare with you for TPD:
- A test based on your usual role, such as casework or youth work, set against a broader any occupation test
- Intake, policy, training and office roles an any occupation test may consider, given your experience
- Disability wording in any fund you’ve joined through a charity, department or program, compared line by line
- Your job description on a fund’s records once you lead a team or manage a program
- Washing, eating and moving about the house, which some TPD definitions look at in place of a job test
- Disability cover sharing one sum insured with your life cover, so a disability claim may lower the life amount
- A TPD amount matched to any home loan or rent, and to the years of community services pay it would replace
- Whether a TPD payout comes from super or from a policy you own, and any tax difference your accountant explains
Trauma Insurance
With a serious diagnosis to work through, how could treatment costs and time away from your programs be met?
A trauma lump sum can help with treatment and time off when a listed condition meets the policy’s definition and isn’t excluded.
We can go through a trauma policy’s list of conditions with you, 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. Trauma insurance does not cover mental health conditions. New trauma cover can’t be held inside super, which has been the rule for policies written since 1 July 2014.
What we read with you in a trauma policy:
- The medical meaning behind each condition on an insurer’s list, compared across policies before you choose one
- Smaller payments some policies make for conditions caught early, and what stays available afterwards
- Paying for new trauma insurance from take-home pay or savings, outside your super fund, as the rules require
- A trauma sum sized around what a community services salary pays for, from housing to any car you use for work
- A diagnosis partway through a funded contract, with any trauma payment based on the policy’s definition, not the role’s renewal
- Trauma and death cover sharing one sum insured, with the PDS showing how a trauma claim affects the rest
- Any trauma cover through an employer or fund you’ve left, which may not continue, compared with a policy in your name
- Any home visits or residential shifts you’d miss through treatment, and the household spending a lump sum could support
Cover in Super
Does the cover in each super fund from any past or present employer still match the work you do today?
Your fund statements and PDSs can show any cover you hold, and how it fits the work you do.
We’ll check the cover in each of your funds with you before anything changes.
Many funds provide life and TPD cover for eligible members, and some also give income protection, for a set amount. Default cover inside super can usually be issued without medical checks, though it may carry pre-existing condition rules set out in the fund’s PDS, and increasing it is usually underwritten like any other application. Premiums are deducted from your super balance, and you may not be able to claim the full benefit from more than one account.
What we look at in your super with you:
- Any super accounts opened through a charity, department or program you’ve worked for, with any insurance in each listed
- A graduate role while you’re under 25, where a fund’s insurance for new members may start only if you ask
- How each fund describes your job, and asking the fund to update a record that doesn’t fit casework or youth work
- Insurance costs drawn from a balance during unpaid weeks between contracts, set against what that insurance provides
- The fund a new employer pays into, and whether that stapled fund’s insurance suits the new job
- Any pre-existing condition terms in a fund’s PDS, which can apply even to default insurance given without medical questions
- Closing any spare account from a past charity or department only once you know what insurance it carries
- Lifting your insurance in super above the default level, which usually brings health questions for the insurer to weigh up
Funded Roles and Contract End Dates
From one funded contract to the next, how could your cover stay in step with the work you do?
Planning ahead of an end date can show what cover you hold, whichever way the next contract goes.
We’ll look at any cover with you before a funded role’s end date, and again at each renewal.
A fixed-term contract generally ends at the end of its set period. Income protection is designed to pay part of your lost income if you’re unable to work due to illness or injury, so a contract ending is planned for separately, for example through savings. How a policy treats time between roles, or a contract that ends during a claim, is set out in its terms.
What we look at with you around a funded role:
- A renewal date used as a review date, so any cover is looked at before anything changes
- Unpaid weeks between contracts, which can fall inside the 12 months of earnings a policy usually looks at
- How a policy treats time between roles, set out in its PDS and read before you choose
- A contract that ends while you’re receiving payments, and what the policy terms say happens then
- A renewal offered at fewer days, read against any minimum weekly hours a policy sets
- Personal cover held in a fund or in your own name, which sits apart from the program’s funding
- Savings set aside for a contract ending, kept separate from cover for illness or injury
- The super fund a new role pays into, and any cover already in that fund
Charities, Departments and Program Providers
Before moving between a charity, a department or another program, what would you want to know about your cover?
Reading any cover you hold side by side before you accept an offer can show where it fits the new role.
We’ll review any cover through work and super with you before a move between employers.
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. Your stapled fund’s insurance might not suit your new job or personal situation, so it’s worth asking whether changing employer changes the cover or its conditions. Any public sector scheme a government role comes with has its own insurance rules.
What we check with you before a move:
- A department offer, with any cover it comes with compared against any cover you hold before you accept
- Any public sector scheme’s insurance, read on that scheme’s own rules rather than a fund’s
- Your existing fund continuing to receive contributions unless you choose another when you start
- The insurance in your existing fund, read against the duties of the new role, from office work to outreach
- A program moving to another organisation, and which employer you’d then be working for
- Cover in any fund an old employer paid into, listed before you decide which accounts to keep
- Any income protection in a fund from a previous employer, and whether it fits a new pay level
- A step into team leadership, with the new duties and pay set out on any application
Making a Claim
When it’s time to claim, who could work through the forms and follow-up beside you?
Support with the papers and the follow-up can make a claim easier to manage while the insurer assesses it.
We’ll lodge a claim with you, gather what the insurer asks for and keep following it up until a decision is made.
Moneysmart suggests speaking first to whoever you arranged the cover through: a financial adviser, the fund or the insurer, or your employer for cover through an employment arrangement. An insurer can ask for details of your work duties, including physical requirements, the number of hours you work each week, and payslips and tax returns. The insurer assesses the claim, and a complaint goes first to the insurer or super fund, then to AFCA.
How we help with a claim:
- Knowing whether to begin with a fund, your organisation or an insurer you hold a policy with directly
- Any home visits, outreach or residential shifts in your work, set out on a claim form beyond the job title
- Payslips and any packaging statements, gathered to set your pay against the policy’s definition of income
- Test results and treating practitioners’ reports, obtained by the insurer with your agreement
- Time off after a workplace incident, handled through your employer and the scheme, beside any personal claim we lodge with you
- A contract end date that falls during a claim, raised early with the insurer and read against the policy terms
- Returning to your role on reduced days, and whether part of the benefit continues under the policy terms
- Follow-up with the insurer continuing if your program ends or moves to another organisation during the claim
Health Conditions & Illnesses
Could a health condition change the cover an insurer offers you?
Our guides explain what insurers may ask about common conditions, and a health condition doesn’t necessarily rule out cover.
We can help you prepare an application when you have a health condition or a past illness.
Underwriting is how an insurer assesses an application and decides whether to offer cover, on what terms and at what price. Possible outcomes include standard terms, a higher premium, an exclusion, a request to apply again later, or a decline.
Guides by health condition:
- Cover with a health condition: where to start
- Autoimmune conditions
- Back or joint conditions
- Blood conditions
- Cancer history
- Diabetes
- Digestive conditions
- Eye or hearing conditions
- Heart conditions
- HIV or hepatitis
- Kidney conditions
- Mental health conditions
- Neurological conditions
- Respiratory or sleep conditions
- Weight, smoking or alcohol history
- Women’s health conditions
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your title and your actual work: Insurers usually ask about your job when you apply. A caseworker or youth worker title can mean an office-based program, outreach, home visits or shifts in a residential home, so the duties you actually do are what’s worth setting out.
- Home visits, outreach and driving: At claim, an insurer can ask about your work duties, including physical requirements. Any time on the road between visits and any after-hours outreach are part of describing the work as it is.
- Part-time days and after-hours work: Some policies only cover you if you work a minimum number of hours each week, so your usual days and any after-hours or residential shifts are worth setting out.
- Packaged pay: Income protection usually works from your earnings in the 12 months before an illness or injury. Whether the packaged part of your pay counts is set by the policy’s own definition of income.
- A role funded to a date: Income protection is designed for time off through illness or injury, not for a contract ending. Any unpaid weeks between contracts can fall inside the 12 months a policy usually looks at, and how it treats time between roles is in its terms.
- Charity, department or program provider: When you start a new job, your employer generally pays into your existing super fund unless you choose another; a default fund applies only if you have no fund. That fund’s insurance may not suit the new job, and any public sector scheme has its own rules.
- From client work into leadership: After a move into a team leader or program role, the duties a fund or insurer has on record may be out of date until you tell them, and the new role can change how a TPD any occupation definition looks at your experience.
- Recovering from a work injury or illness: Workers compensation is separate, through a state, territory or Commonwealth scheme, for employees injured at work or made sick by their work, if eligible. Other payments may reduce an income protection benefit, and an insurer may ask about 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 Community Services Work, Worked Through Together
Your Duties Set Out Beyond the Job Title
Any home visits, outreach, office work or residential shifts, described in full on any application.
Packaged Pay Set Out for Income Protection
Your base salary and any packaged amounts laid out against each policy’s income definition.
Cover Looked At Before a Contract End Date
Any cover through work, super or your own name reviewed with you before a funded role ends.
Weekly Hours Read Against Your Working Days
A policy’s minimum hours terms set beside part-time days or a renewal at fewer days.
Cover in Each Fund Mapped Across Organisations
Any cover in funds from a charity, department or program you’ve worked for, listed together in one place.
Cover Read Before a Charity or Department Move
Any fund and scheme insurance compared with you before you accept an offer from a new employer.
TPD Wording Read for Work Beyond Client Contact
Own and any occupation definitions read with you against intake, policy, training and office roles.
A Claim Lodged With You and Followed Up
Forms, payslips and any packaging statements worked through with you while the insurer assesses a claim.
Proactive, Holistic, and Experienced Financial Planning
Your cover plan begins with the shape of your work: the programs and services you’re part of, any funding or renewal dates, the days you work and any after-hours or residential shifts. We listen first, then explain each type of cover in plain terms, at a pace that suits you, and answer questions as they come up. Our advice is usually set out in writing for you to read through in your own time.
Forms, statements and follow-up calls are part of what we handle alongside you. With your consent, we can collect payslips, any salary packaging statements, a statement from each super fund and the PDS for each policy, then chase funds and insurers so less of that work lands on you. A partner or someone close to you can join any conversation, in person or on a call. Should you ever need to claim, we’ll lodge it with you and stay in touch until the insurer decides.
Every financial decision impacts the next
Your Financial Life Is Connected
Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.
Learn more about Financial Planning and Advice for Youth, Child Protection and Community Workers
Your
Wealth
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
Frequently Asked Questions
Ryker’s financial advisers are licensed to give personal advice under Synchron Advice’s Australian financial services licence (AFSL 243313). We start with you: your community services work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Community services work can mean a role funded to a set date, pay that is partly packaged, part-time or after-hours days, and moves between charities, departments and programs. Each can affect how an insurer assesses an application and how a policy pays, so your duties, hours, pay and how you’re employed 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 policy’s terms and where your cover sits. Income protection is designed to pay part of your lost income if you’re unable to work due to illness or injury, so a contract ending is planned for separately. You must be unable to work at the end of the waiting period to be paid.
Any unpaid weeks between contracts can fall inside the 12 months of earnings a policy usually looks at, and how it treats time between roles is set out in its PDS. It’s worth asking the fund or insurer what happens to the cover if you change jobs. We can read these terms with you before an end date, and the insurer decides on any claim.
That depends on the policy’s terms, so it’s worth reading them before you rely on a policy. The benefit period is how long you’ll keep getting the monthly payments if you remain unable to work due to your illness or injury, and each policy sets out how it treats a contract that ends during a claim.
If an end date is coming up, it helps to know where each policy stands on it before anything changes. We can read the wording with you, for any policy you hold or are comparing, and the insurer decides how its terms apply to a claim.
It depends on the policy’s definition of income. Income protection usually bases the benefit on your earnings in the 12 months before the illness or injury, and each policy sets out what it counts as income, so whether the packaged part of a salary is included is a question for its wording. Payslips and any packaging statements can show your full pay when you compare policies.
Any question about paying a premium through salary packaging is one for your packaging provider and accountant. Income protection premiums are generally tax deductible when you hold the policy outside super and pay the premiums yourself. We can compare income definitions with you across a wide range of insurers, and your accountant can confirm the tax position.
It depends on where your contributions go and the rules of any scheme involved. 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. Your stapled fund’s insurance might not suit your new job or personal situation, and any public sector scheme a government role comes with has its own rules.
With more than one account, you may pay premiums on more than one policy and may not be able to claim the full benefit from more than one, so check the cover in each fund before combining accounts. We can map each fund’s cover with you before you accept an offer, and compare personal cover alongside it.
Start with the duties. A team leader or program management role can mean less direct client work and more office time, so the occupation a fund records and the duties on any application are worth updating to match. Any change in pay can also change the amount of income protection and life cover that suits you.
It’s worth reading how a TPD any occupation definition may look at your experience, since it considers any job suited to your education, training or experience. The policy wording sets how each test applies, and the insurer decides. We can review your cover with you as the role changes, and compare options.
A quote is built from the questions it asks, so it can be quick, though it may not look at how a policy’s income definition treats packaged pay, any minimum hours rule, a contract end date or the cover in each of your funds.
Personal advice looks at your work as a whole: how a role is funded, the days you work, how you’re paid and any cover you already hold. We then compare policies from a wide range of insurers with you, 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. From a graduate caseworker to a program manager, we begin with the programs you work in, any contract and packaging, 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. It helps to bring your latest pay advice, any salary packaging summary, any contract or renewal offer for your role, the latest update from each super account and details of any insurance outside super. We’ll agree the next steps with you from there.
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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