Life Insurance and Income Protection for Concreters
Income Protection for Concreters and Their Families
Day-rate or wage pay, an ABN or your own crew, and any cover through work and super shape the insurance worth considering. We can help you weigh up cover, apply, check what you hold and lodge claims with you.
Financial Advice for Life Insurance and Income Protection
Who We Help
- Apprentices and new starters on their first concreting crew
- Employed concreters with any cover in a work super fund
- Day-rate crew members whether employed or contracting
- Formwork setters who also place and finish
- Pump and placing boom operators including any holding a high risk work licence
- Owner-operators on the tools running their own truck, pump or crew
- Civil and commercial concreters working on large pours
- Leading hands and site supervisors still pouring some days
- Concreters coming back to work after time off, an injury or lighter duties
We Can Help You
- Set out a pour day’s formwork, placing, screeding, trowelling and cutting accurately on a cover application
- Show day-rate pay, or invoices that move with pushed pours, on an income protection application
- Find out with you how each insurer would count a year of wages, day rates or pour income for income protection
- Weigh an income protection waiting period against savings that any crew wages or repayments may already need
- Set long pour days and quiet weeks beside any weekly hours minimum an income protection policy sets
- Map what your engagement puts behind you: any sick leave, workers compensation and super from the business you work for
- Review insurance in your super from years on wages before any move to day-rate or ABN work
- Read how a policy treats working part of a pour day, and whether it offers a partial benefit
- Check TPD wording against concreting now and any later step into estimating, supervising or concrete supply
- Lodge a personal insurance claim with you, pour-day duties and day-rate or wage records attached, while the insurer assesses it
What we advise on
How Each Cover Works Around Concreting Work
Income Protection
Kept off the slab by illness or injury for a while, what could replace part of what each day or pour pays?
Income protection can pay part of your income after a waiting period, to help with regular costs while you can’t work.
We’ll compare income protection with you around how concreting pay arrives and what you’d have behind you.
Income protection is designed to 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. Most policies offer a waiting period of 14 days to 2 years, and you must be unable to work at the end of it. Benefits can run for set years or to an age.
What we look at with you for income protection:
- Payslips, day-rate pay or pour invoices, set against the method each insurer uses to work out your income
- A year when pours were pushed back and invoices moved, laid out month by month as it ran
- Any savings already committed to crew wages or truck and pump repayments, counted once against the waiting period you choose
- Paid sick leave, which hirers don’t generally provide to contractors on an ABN, weighed when you pick a waiting period
- Long slab days and quiet stretches, measured beside the weekly hours floor some policies set
- Partial benefits some policies pay when you can work in a reduced capacity and earn less than before
- An injury on the formwork covered by workers compensation, if eligible, and any policy’s offset wording for those weeks
- Whether premiums leave super or your concreting income, and how an accountant treats them at tax time
Life Insurance
What would anyone at home need to cover what your concreting pays for now, if you were no longer here?
A lump sum paid to your beneficiaries can go towards debts, everyday costs and the plans already made.
Together, we’ll work out a life cover amount from any 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 some include terminal illness cover. 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 an amount paid on another claim in that package.
What we weigh up with you for life cover:
- Household debts, such as any home loan or car finance, taken on with concreting income and totalled as they stand
- Any loans in your own name for a truck, pump or other gear, listed with the amount still owing
- Any life cover in super from time on wages, counted in the total whether you stay employed or take a day rate
- Nominating who gets your super: anyone eligible, or your estate, kept up to date as life changes
- A TPD payout from a combined policy, and how much life cover may then remain for anyone relying on you
- Formwork, placing and finishing named on a life application as well, because insurers usually ask about your job
- Early payment on a terminal illness diagnosis, if the policy offers it, and the proof its definition sets out
- A sum insured revisited if you buy a home, start a family or take on a first labourer
TPD Insurance
On the slab or off it, how would the plans you’ve made be paid for if you could never work again?
TPD cover can pay a lump sum towards debts and plans if you can’t work again, as the policy defines it.
We’ll weigh TPD definitions with you against the skills concreting builds, from finishing to quoting jobs.
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 held 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:
- Own occupation cover pinned to concreting, compared with any occupation terms that look across other work
- Any years spent quoting slabs or setting out pours, and how an any occupation test may view that background
- Any TPD from an earlier concreting job’s fund, its definition weighed with you before you decide on that account
- The occupation on a fund’s records, matched to your work if you step into supervising or estimating
- Washing, dressing and feeding yourself, which some TPD definitions measure instead of your job
- TPD sold with life cover, and the reduced life benefit a TPD claim may leave behind
- A TPD figure set against debts in your name, from any home loan to any truck, pump or bobcat finance
- Months off the slab on income protection, and TPD for a permanent stop, compared with you to see how the two fit together
Trauma Insurance
Facing a serious diagnosis, how might treatment costs and the pours you’d miss be paid for?
Trauma cover can pay a lump sum if you’re diagnosed with a listed condition that meets the policy’s definition and isn’t excluded.
We’ll go over 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. New trauma cover can’t be held inside super, which has been the rule for policies written since 1 July 2014. Where trauma is packaged with life cover, a trauma payment could reduce the life cover.
What we go through with you for trauma cover:
- What a trauma list covers, and the medical wording a diagnosis has to match before a claim is paid
- A condition found at an earlier stage, and whether a trauma policy pays out part of its cover
- Trauma premiums on concreting pay, set aside from your own account, as super no longer takes on new trauma cover
- A lump sum for treatment and time off the tools, kept separate from what income protection pays
- Trauma attached to a life policy, and how much life cover may still be there after a trauma payout
- Time off pours on an ABN, where a hirer doesn’t generally provide paid sick leave to a contractor
- Any trauma policy bought a while ago, read on its original terms against newer options
- The tax position of a trauma lump sum on concreting income, settled with your accountant
Cover in Super
Whether you’re on wages or a day rate, is any cover in your super still suited to the concreting you do?
Checking each fund’s cover against your work now can help you keep what suits you and change what doesn’t.
We’ll check any cover in each fund you hold with you, including before any move from wages to a day rate.
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 if you hold more than one account, you may not be able to claim the full benefit from more than one. Moneysmart suggests checking whether a move from employee to self-employed affects the insurance cover through your super.
What we check in each fund with you:
- Any cover through a fund picked by an early concreting employer, and the sum it would pay
- Super from a hirer under the ATO’s three tests for contractors, but not where your company, trust or partnership holds the contract
- Two or more funds from different concreting jobs, where paying for cover in each may not mean claiming the full benefit from each
- A concreter under 25 starting out, where default insurance might need opting into, or dangerous-job cover may apply automatically
- Concrete worker, labourer or another label: the occupation a fund holds, and asking it to fix a wrong one
- Any old injury or illness, checked against each PDS’s pre-existing condition clauses
- Premiums deducted from each account’s balance, whatever concreting pay goes in, weighed against what that cover would pay
- Lifting cover past the default level, which an insurer will generally underwrite first
Wages, Day Rates and What Sits Behind You
How could knowing what your work arrangement provides, from sick leave to super, shape the cover you look at?
Seeing clearly what is and isn’t behind you can help you weigh cover around what your work already provides.
We’ll look at what your arrangement provides with you, then compare personal cover around it.
For tax and super, the ATO looks at the whole working arrangement, not an ABN alone. Being paid for the time worked is one indicator of employment, a contract to achieve a specific result points to a contractor, and companies, trusts and partnerships are always contractors. Hirers don’t generally cover contractors for paid sick leave or workers compensation, and each scheme sets who qualifies. An accountant or lawyer can help confirm your status.
What we map with you on your arrangement:
- The whole working arrangement, not the ABN alone, as the starting point for what sits behind you
- Any paid sick leave on wages, which casual employees don’t receive, compared with contract work, where hirers don’t generally provide it
- Workers compensation questions taken to the business you work for or the scheme, since each scheme sets who qualifies
- Being paid mainly for your labour and your own skills, and doing the work yourself: the ATO’s tests for super on a contract
- A company, trust or partnership of your own, which the ATO always treats as a contractor, and what it changes for super
- Income records for an application: payslips on wages, or invoices and tax returns on an ABN
- Your status as an employee or contractor, confirmed by your accountant or a lawyer before any cover decision rests on it
- Public liability, plant and tool insurance, left with a general insurance broker who can advise on it
Pour Days, Lighter Duties and Your Cover
If your body let you do some of a pour day but not all of it, how could cover reflect that?
Knowing how a policy treats doing part of the job can help you see what support there could be on lighter duties.
We’ll read with you how each policy treats working in a reduced capacity, and help set out your duties as they are.
Concreting can take in formwork and laying steel reinforcing, pouring, spreading and levelling with screeds, operating trowelling machines and cutting with power cutters. Each income protection policy has its own definition of disability, and some policies pay a partial benefit when you can work in a reduced capacity and earn less than before. At claim, an insurer can ask for details of your work duties, including physical requirements, and the number of hours you work each week.
What we look at with you on a pour day’s work:
- Formwork, placing, screeding, trowelling and power cutting, each set out on any application the way you do the work
- Any placing boom or line pump you run, and any high risk work licence you hold, described as it is
- Lighter tasks such as setting out, finishing or quoting, read against a policy’s definition of disability and any partial benefit
- Weekly hours across a normal run of pours, recorded for any insurer asking at claim
- A work injury claimed through workers compensation, if eligible, and how an income protection policy reads those payments
- A return to full pour days after time off, and what a policy asks you to tell the insurer
- Running the trowelling machine on a day you can’t barrow or screed, described accurately if a claim is made
- The policy’s own definition of disability, compared across insurers before you choose one
Making a Claim
Who could take on a claim’s forms and phone calls with you, while you deal with everything else?
Having a financial adviser lodge and follow up a claim with you can make each step clearer while the insurer assesses it.
We’ll lodge a claim with you and chase each step with the insurer or fund while it’s assessed.
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. An insurer can ask for details of your work duties, including physical requirements, and the number of hours you work each week, plus payslips and tax returns, or financial statements if you’re self-employed. The insurer assesses the claim, and a complaint goes first to the insurer or super fund, then to AFCA.
How we help with a claim:
- Who to ring first about a claim: a super fund, a concreting employer, or the company that issued the policy
- Formwork, barrowing, screeding and the hours of a normal pour week, set out for the insurer exactly as you worked
- Day-rate invoices, payslips or a business tax return, collected so the insurer can see the income from your pours
- Medical notes on which screeding or barrowing you can’t do, requested by the insurer with your permission
- Site injuries from formwork or reo, run via a workers compensation scheme if eligible, beside any claim on your own policies we lodge together
- Workers compensation or other income during time off, and what the PDS says those payments may do to a monthly benefit
- Half days back on the trowel or the pump, read against any partial benefit terms in the policy
- Challenging what the insurer decides about your time off pours: the insurer or your fund first, then AFCA
Health Conditions & Illnesses
Could a health condition change the cover an insurer offers you?
Our guides explain what insurers may ask about common conditions, and a health condition doesn’t necessarily rule out cover.
We can help you prepare an application when you have a health condition or a past illness.
Underwriting is how an insurer assesses an application and decides whether to offer cover, on what terms and at what price. Possible outcomes include standard terms, a higher premium, an exclusion, a request to apply again later, or a decline.
Guides by health condition:
- Cover with a health condition: where to start
- Autoimmune conditions
- Back or joint conditions
- Blood conditions
- Cancer history
- Diabetes
- Digestive conditions
- Eye or hearing conditions
- Heart conditions
- HIV or hepatitis
- Kidney conditions
- Mental health conditions
- Neurological conditions
- Respiratory or sleep conditions
- Weight, smoking or alcohol history
- Women’s health conditions
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- What a pour day involves: Insurers usually ask about your job when you apply. Formwork, placing, screeding, running a trowelling machine and power cutting, whichever of them you do, are duties to describe accurately, answering each question asked with reasonable care.
- Long days and quiet weeks: Some policies only cover you if you work a minimum number of hours each week, so how your hours fall across long pour days and quieter weeks is worth setting out.
- Paid by the day or by the pour: Income protection is usually based on your earnings in the 12 months before an illness or injury. Each insurer has its own method for counting a day rate, or invoices that moved when pours were pushed back, so it’s worth asking each one how it works that out.
- Wages or a day rate: Your whole working arrangement, not an ABN alone, shapes what sits behind you. The ATO’s view covers tax and super, while paid sick leave follows the Fair Work rules and workers compensation follows each scheme’s rules on who qualifies. An accountant or lawyer can help confirm where you stand.
- A truck, pump or crew of your own: Income protection is designed to pay part of your own lost income, while life and TPD cover can pay lump sums. Any loans in your name, and a crew that relies on your work, are part of what we’d look at together.
- Leaving wages for an ABN: Any cover in your super from years on wages is worth checking before the move. On a contract, a business has to pay your super if it’s mainly for your labour, pays for your own skills rather than a result, and you do the work yourself, but not under a contract with your own company, trust or partnership.
- Estimating, supervising or supply: A move into estimating, supervising or concrete supply can mean the duties a fund or insurer has on record no longer match your work, and it may change how a TPD any occupation definition reads your experience. A change in pay can also fall inside the 12 months before an illness or injury that income protection usually looks at.
- Part of a pour day, or none: Workers compensation is separate, through a state, territory or Commonwealth scheme, for employees injured at work or made sick by their work, if eligible. Some policies pay a partial benefit when you can work in a reduced capacity, and other payments 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 Concreting Work, Worked Through Together
Your Pour-Day Duties Set Out
Formwork, placing, screeding, trowelling and cutting described in full on any cover application.
Day-Rate and Pour Income Laid Out
Payslips or invoices set out month by month for an income protection application.
What Your Work Arrangement Provides, Mapped
Any sick leave, workers compensation and super from the business you work for, listed in one place.
A Waiting Period Weighed Against Committed Savings
Any money already set aside for crew wages or repayments counted once when a waiting period is chosen.
Super Cover Checked Before a Day Rate
Any cover from years on wages read with you before any move to a day rate or an ABN.
Partial Benefit Terms Read With You
How each policy treats working part of a pour day, compared before you choose one.
Super Nominations Kept Current for Eligible People
Nominations for eligible people or your estate looked at again after a work or family change.
A Claim Prepared and Followed Up With You
Duties, hours and pay records gathered with you while the insurer assesses a claim.
Proactive, Holistic, and Experienced Financial Planning
Good advice starts with how your weeks actually run. We listen first: pour days and early starts, wages or a day rate, any crew you look after, and what you’d like your cover to do for you and anyone at home. We explain each type of cover in plain terms, take your questions as they come and work at your pace, around the pour schedule. You’ll usually receive our recommendations in writing, so you can go through them once the day’s work is done.
We share the paperwork with you, so it isn’t one more job after a long pour day. With your consent, we can gather payslips or invoices, tax returns, fund statements and PDSs, and follow up with funds and insurers so the chasing doesn’t fall to you. A partner or someone else close to you is welcome to join our conversations. If a claim is ever needed, we’ll lodge it with you and keep you updated until the insurer makes its decision.
Every financial decision impacts the next
Your Financial Life Is Connected
Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.
Learn more about Financial Planning and Advice for Concreters
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 concreting work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Concreting work can mean pay by the day or the pour, wages or an ABN, long pour days and quieter weeks, and tasks such as screeding, trowelling and cutting. Each can affect how an insurer assesses an application and how a policy pays, so your duties, hours, engagement 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 whole working arrangement, not the ABN alone. For tax and super, the ATO treats being paid for the time worked as one indicator of employment. Hirers don’t generally cover contractors for paid sick leave or workers compensation, and each workers compensation scheme sets who qualifies.
Beyond that, what you could fall back on is any personal cover you hold, such as income protection, and any savings. The Fair Work Ombudsman can’t decide whether someone is a contractor or an employee, so your accountant or a lawyer can help confirm your status. We can map what sits behind you with you, then compare personal cover around it, and the insurer decides on any application.
Income protection usually bases the benefit on your earnings in the 12 months before the illness or injury, worked out by each insurer’s own method. Moneysmart suggests asking an insurer how much of your income it would pay and how it works that out.
If pours were pushed back and invoices moved during that year, it helps to set the year out as it actually ran, from payslips, or from invoices, tax returns and financial statements on an ABN. We can compare how insurers work out income with you, and the insurer decides on any application.
It depends on what that money is already set aside for. Most income protection policies offer a waiting period between 14 days and two years, and you must be unable to work because of your illness or injury at the end of it to be paid. Moneysmart suggests counting any savings or investments you could sell when working out how much cover you need.
If the same savings also need to cover any crew wages or truck and pump repayments, it helps to count them once, then choose a waiting period with that in view. We can weigh the options with you, and the insurer decides on any application.
That depends on the policy. Each income protection policy has its own definition of disability, and some policies pay a partial benefit when you can work in a reduced capacity and earn less than before.
At claim, an insurer can ask for details of your work duties, including physical requirements, and the number of hours you work each week, so running a trowelling machine but not barrowing or screeding is worth describing as it is. The PDS sets out what applies, and the insurer assesses any claim. We can read these terms with you before you choose a policy.
Some policies only cover you if you work a minimum number of hours each week, and an insurer can ask about the hours you work each week at claim. Long pour days and quieter weeks can make one week look very different from the next.
Setting your hours out across a normal stretch of work gives a clearer picture than one busy or slow week. We can read the hours terms in each policy with you, and the insurer decides on any application and assesses any claim.
A form works from the questions it asks, which is part of what makes it quick. It may not set out how a day rate sits within your whole working arrangement, how each insurer works out income, or what cover sits in each super fund.
Personal advice starts with how you’re engaged and paid, your duties and hours, and any cover you already hold, with each application question answered with reasonable care. 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. Wages, a day rate or your own crew, we begin with the pours you do, how the money comes in 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: a few months of payslips or day-rate invoices, your latest tax return, a statement from each super account, any insurance documents, and any written agreement with the builder or contractor you work for. 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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