Life Insurance and Income Protection for Council Outdoor Workers
Income Protection for Council Outdoor Workers and Their Families
Council leave and super rules, outdoor crew duties, work that can go to tender and any cover in super shape your cover. We can help you read any cover held, compare and apply for more, and lodge claims with you.
Financial Advice for Life Insurance and Income Protection
Who We Help
- Parks, sportsground and garden crews keeping public spaces mown, planted and tidy
- Street tree and arborist teams pruning, removing and planting along streets and reserves
- Road and drainage maintenance crews on kerbs, footpaths, potholes and stormwater drains
- Bin truck and sweeper crews collecting household bins and keeping streets clean
- Tip and transfer station staff at weighbridges, landfills and recycling centres
- Depot and workshop staff servicing council trucks, mowers and tools
- Labour hire and casual workers placed with a council crew
- Leading hands and gangers running a crew, or coordinating a works program
- Staff of council-owned businesses running outdoor services for one or more councils
We Can Help You
- Set out roadside, tree, waste and depot duties accurately on a cover application
- Work out with you where your sick leave comes from, and any top-up or extra super an award or agreement adds
- Line up an income protection waiting period with council sick leave, or with savings or other support if you’re casual
- Weigh income protection through your super against a policy paid from your own money
- Read the set amounts and the recorded occupation in any cover you’ve held in super for years
- Look at any cover through your council or an agreement before work goes to tender
- Check what moves with you, from super to any cover, if a contractor takes over your work
- Revisit cover when a labour hire placement with a council crew turns into a permanent role
- Compare TPD definitions against supervising a crew or coordinating works later on
- Gather crew duties, council payslips and doctors’ reports for a claim we lodge with you
What we advise on
How Each Cover Works Around Council Outdoor Work
Income Protection
Beyond any sick leave, what would pay the bills if illness or injury kept you from parks, roads or waste work?
Income protection can pay part of your income after a waiting period, to help with household costs while you’re unable to work.
Together, we’ll weigh income protection against any leave your job provides and the work your crew does.
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, and each policy has its own definition of disability. Waiting periods can run from 14 days to two 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:
- Council sick leave you’d use before a policy pays, where your job provides it, which shapes how short or long a waiting period could be
- Any outdoor or adverse conditions allowance in council pay, and whether a policy’s definition of income includes that allowance
- Hurting yourself at home, or an illness unrelated to the job, which workers comp doesn’t handle, and what a policy says about it
- A crew injury at the depot or on the roads, where scheme payments for the same weeks may cut what a policy pays monthly
- A benefit period running a set number of years or to an age, lined up with your plans for leaving crew work
- Any default income cover in a super account opened through council work, checked for its waiting time and payment length
- A weekly hours floor written into some contracts, compared with a three-day week on a parks crew or seasonal casual mowing
- Any seasonal casual hours, such as summer mowing, and how a policy’s income definition reads pay that varies across a year
Life Insurance
Would the plans you’ve made with your loved ones still be within reach if you were no longer here?
Paid to your beneficiaries, a lump sum can go towards debts, daily costs and plans already in place.
We’ll size life cover with you from any debts, anyone who relies on your pay and any cover already 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 job when you apply, so your crew duties are part of any application. With no beneficiary named, your estate or the super trustee may decide where the money goes, and life cover in super usually ends at 70.
What we work through for life cover:
- A mortgage, car loan or card debt carried on outdoor crew pay, added up so the lump sum reflects what’s owed
- Any life cover fixed years ago in a fund opened with an early council or labour hire job, compared with household costs now
- Who receives the money from each account opened through council work, with nominations limited to eligible people or your estate
- Any life cover a contractor offers its staff after a tender, compared with any cover you held through the council
- Mower, chainsaw, roadwork or bin truck duties written into a life application exactly as the job runs
- A partner’s lump sum cover, if you share a home, weighed with any cover of yours against the rent or loan
- Money paid early on a terminal diagnosis, if a life contract allows it, with the doctors’ letters the insurer asks for
- Any sum insured reviewed as the household changes, from a first home or a baby to a ganger’s or coordinator’s role
TPD Insurance
What would fund your later plans if work of any kind were no longer possible?
A TPD lump sum can go towards debts, home changes and plans if you can’t work again, as the policy defines it.
Together, we’ll go through TPD definitions against the skills and experience years of council work can build.
TPD cover can pay a lump sum if illness or injury leaves you unlikely to work again, as the policy defines it. Own occupation wording looks at your usual job; any occupation wording looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, and TPD cover in super usually ends at 65.
What we compare with you for TPD:
- A test asking whether you could go back to parks, roads or waste work, set against a broader test reaching other jobs
- Years running a crew or coordinating works, and how an any occupation test may weigh that experience
- Disablement definitions in any old labour hire or council super, checked before balances are merged
- The occupation your fund lists, which you can ask the fund to update if you’ve moved from a mower or sweeper to supervising
- Everyday tasks such as showering, dressing and getting around, a test some contracts apply instead of asking about your work
- A disablement lump sum drawn from a combined life package, which may reduce what remains for your beneficiaries
- A TPD sum sized to what clearing debts and adapting the home would take, revisited after a refinance or a move
- TPD for permanent disablement as each policy defines it, paired with income protection for shorter spells off crew work
Trauma Insurance
How might treatment costs and weeks away from crew work be met if you were diagnosed with a serious illness?
Trauma cover can pay a lump sum towards treatment and time off if a listed condition meets its definition and isn’t excluded.
We’ll read through a trauma policy’s list with you, and how it sits alongside income protection.
A trauma policy can pay a lump sum for a listed critical illness or serious injury that meets its 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. If you were in a fund that offered trauma cover before July 2014, you might still have it through your super.
What we read with you in a trauma policy:
- The trauma schedule’s list of conditions, read through with you point by point so the claim wording is clear
- Smaller part-payments for a milder condition, if a contract has them, and what share of the full trauma amount each uses
- A new trauma policy paid for from your wage rather than super, because funds stopped offering new trauma cover from July 2014
- Any older trauma cover in a fund from early council years, found on a statement and read with its terms
- Crew pay gaps in the weeks before any income cover could start, where a trauma lump sum, if one is paid, could help with the bills
- A critical illness lump sum sharing a contract with life insurance, where paying one may lower the other
- Months off mowers, chainsaws or heavy lifting after a diagnosis, and what a trauma lump sum could cover in that time
- Specialist gaps, medicines and other out-of-pocket treatment costs a trauma lump sum could help pay after a diagnosis
Cover in Super
Does the cover in your super, if any, still fit the work you do and the household you have now?
Checking each fund’s statement and PDS shows what cover you hold, if any, and how it compares with your life now.
We’ll check the cover in each fund you belong to with you before anything changes.
For members who meet a fund’s eligibility conditions, life and TPD cover is usually automatic, and some funds include income protection too, each 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, not your take-home pay.
What we look at in your super with you:
- Any sum your default insurance was set at on joining, compared with today’s rent or home loan on crew pay
- The job your fund has on file, whether mower operator, sweeper driver or labourer, and asking the fund to correct a wrong record
- Any fund opened during a labour hire or casual start, listed with whatever insurance it carries
- Any fund a council or agreement nominated for you, read for the insurance it carries before you choose another
- Insurance premiums taken from each account a council or labour hire firm paid into, set beside the benefit on offer
- Old council or labour hire super accounts, if you have them, combined only after the insurance on each has been compared
- Extra life or TPD cover for a new baby or a bigger loan, usually underwritten with health questions
- Life and TPD in super ending at set ages, planned against the age you’d like to finish crew work
Council Leave and Workers Compensation
How could any leave and support from a council job work together with cover of your own?
Knowing any leave and support your job provides makes it easier to choose cover that fits around it.
We’ll look with you at what any award or agreement provides, then at what personal cover could add.
In some states, local government employees are outside the Fair Work system and stay under the state system, while in others they’re inside it, so the rules behind your leave depend on where you work. In the Fair Work system, all employees except casuals are entitled to paid sick and carer’s leave. Workers compensation is separate, through a state, territory or Commonwealth scheme, for employees injured at work or made sick by their work, if eligible.
What we look at with you on leave and workers compensation:
- Your sick leave entitlement and any top-up an award or agreement adds, confirmed with HR before cover is compared
- The state or Fair Work rules that apply to your council job, read before a waiting period is chosen
- An income protection waiting period picked once any sick leave you’d use first is known
- Super contributions some awards require an employer to keep paying for a time while you’re on workers compensation and still employed
- Premiums for cover in super still coming off the balance through any time away from work
- An illness or off-duty injury outside workers compensation, planned for with your leave and any personal cover
- Questions about a workers compensation claim taken to your employer or the scheme, with any personal cover planned alongside
- Payslips and leave statements set side by side, so any support from your job is clear before cover is compared
When Council Work Goes to Tender
What could change for any cover you hold if your council’s waste, parks or roads work moved to a contractor?
Reading where each cover comes from before the move shows what continues and what needs a fresh look.
We’ll review any cover with you before a service changes hands, and what a contractor’s job would mean for it.
A transfer of business can include a council outsourcing your work to a new employer, where you start there within 3 months doing the same or nearly the same duties. In the Fair Work system, the new employer has to recognise your service for sick and carer’s leave; state systems may differ. Your new employer generally pays into your existing super fund unless you choose another.
What we check with you before the move:
- Any cover through the council or an agreement, and whether it continues once a contractor employs you, confirmed with the council
- Sick and carer’s leave service on a transfer of business, which the new employer recognises in the Fair Work system
- State system rules for a council job moving to a contractor, confirmed with HR before the start date
- Super from a contractor generally paid into your existing fund unless you choose another, with the cover in it read again
- The occupation your fund records, which you can ask the fund to update if a contractor’s role changes your duties
- Any defined benefit membership read with its own rules, since some benefits may be lost on leaving and you generally can’t rejoin
- A new employer’s payslips and pay records, which any later income protection application would draw on
- A review of personal cover before you accept a contractor’s offer, with each cover’s terms read first
Making a Claim
From the first form to the insurer’s or fund’s decision, who could be with you through a claim?
Support with the paperwork and the follow-up can mean fewer forms and calls for you and your family to manage.
We’ll lodge a claim with you, then follow it up until the insurer or fund decides.
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 hours you work each week, along with payslips and tax returns. The insurer or fund assesses the claim, and a complaint goes first to the insurer or super fund, then to AFCA.
How we help with a claim:
- Who to call first, the council, the fund or the insurer, traced through the papers showing where each policy began
- Mowing, lifting, digging or climbing for tree work set out on the claim form, with the hours each week involves
- Council or labour hire payslips with allowances and overtime, plus income statements or tax returns, collected for the insurer or fund
- Medical reports from your treating doctors on the lifting, bending and outdoor tasks you’re unable to manage, released with your consent
- Workers comp for a depot or roadside injury, which the scheme runs, kept separate from the personal insurance paperwork we lodge with you
- Scheme payments for the same weeks, which may reduce any income protection benefit the insurer agrees to pay, read with you early
- Two or three days back on the crew while recovering, and any partial payment a contract offers while hours are reduced
- Paperwork from council HR, such as leave records and a position description, gathered with your consent
Health Conditions & Illnesses
Could a health condition change the cover an insurer offers you?
Our guides explain what insurers may ask about common conditions, and a health condition doesn’t necessarily rule out cover.
We can help you prepare an application when you have a health condition or a past illness.
Underwriting is how an insurer assesses an application and decides whether to offer cover, on what terms and at what price. Possible outcomes include standard terms, a higher premium, an exclusion, a request to apply again later, or a decline.
Guides by health condition:
- Cover with a health condition: where to start
- Autoimmune conditions
- Back or joint conditions
- Blood conditions
- Cancer history
- Diabetes
- Digestive conditions
- Eye or hearing conditions
- Heart conditions
- HIV or hepatitis
- Kidney conditions
- Mental health conditions
- Neurological conditions
- Respiratory or sleep conditions
- Weight, smoking or alcohol history
- Women’s health conditions
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- The crew you work on: Insurers usually ask about your job when you apply. A parks crew, a tree crew, a road crew and a waste run do different work, from traffic and mobile plant to heights, lifting and long days outdoors, so the duties you do are part of an accurate application.
- The rules behind a council job: In some states, local government employees are under a state system, and in others the Fair Work system. In the Fair Work system, the National Employment Standards set the minimum sick leave, state systems set their own, and an award or agreement may add to either, such as a top-up. It’s worth knowing which rules apply before choosing cover.
- Sick leave you’ve built up: An income protection waiting period is weighed against any leave you’d use first. Casual employees generally don’t get paid sick leave, so savings or other support may need to carry a waiting period instead.
- Allowances in your pay: Income protection is usually based on your earnings in the 12 months before an illness or injury. Whether any outdoor or adverse conditions allowances are counted is set by the policy’s own definition of income.
- Cover from your first years: Any default cover in super is for a set amount, and a fund may record an occupation for you. Both are worth reading after years in one fund, since your debts and duties may have changed since you joined.
- Starting through labour hire: If you work through labour hire, the labour hire employer, not the council, is responsible for your pay and entitlements. A permanent council job may bring paid sick leave, while your super generally still goes to your existing fund unless you choose another.
- Work put out to tender: If a contractor takes over your work through a transfer of business, your service counts for sick and carer’s leave in the Fair Work system. Any cover through the council or an agreement follows its own terms, so it’s worth asking about before the move.
- Time off on workers compensation: 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 awards keep super paid for a time while you’re on it, 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 Council Outdoor Work, Worked Through Together
Your Crew Duties Set Out for an Application
Roadside, tree, waste or depot work described in full on any cover application.
Council Leave Rules Read Beside Your Cover
Sick leave, any top-up and super during time off, set out with what personal cover could add.
A Waiting Period Weighed Against Any Council Leave
An income protection waiting period compared with any sick leave you’d use first.
Any Default Cover From Your First Years Reviewed
Any set amounts and the recorded occupation in each fund read against your life now.
Cover Looked At Before Work Goes to Tender
Any cover through the council, an agreement or your fund checked before a contractor takes over.
Cover Reviewed on a Move to Permanent Work
Leave, super and personal cover looked at when labour hire or casual work becomes a permanent role.
TPD Wording Read for a Crew or Works Role
Own and any occupation definitions weighed against supervising a crew or coordinating works.
A Council Crew Claim Lodged With You
Duties, payslips and doctors’ reports gathered with you while the insurer or fund assesses the claim.
Proactive, Holistic, and Experienced Financial Planning
Good cover starts with understanding how your working week runs. We listen first: the crew you’re on, how the work changes with the seasons, your start times, and what you’d like your cover to do for you and anyone who relies on you. Then we explain each type of cover in plain terms, take your questions as they come and fit our conversations around your work. Our recommendations usually come to you in writing, so you can read them after a day with the council crew.
The forms and follow-up are work we share with you. With your consent, we can gather payslips, leave and fund statements, PDSs and any council or agreement cover documents, then follow up with funds and insurers so the chasing doesn’t fall to you. A partner or family member is welcome to join our conversations, in person or by phone. If a claim is ever needed, we’ll lodge it with you and keep you updated until the insurer or fund has made 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 Council Outdoor 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 council outdoor work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Council outdoor work can mean duties near traffic, plant or heights, leave rules that vary by state and by award or agreement, allowances in your pay and work that can go to tender. Each can affect how an insurer assesses an application and how a policy pays, so your duties, leave 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.
Neither is better in general: it depends on the terms and what you need the cover to do. Income protection through super runs on the fund’s insurance terms, including the waiting and benefit periods those terms offer or set by default, and premiums are deducted from your super balance, not your take-home pay.
A policy outside super is paid from your own money, and its terms are set when you apply. The ATO generally allows a deduction for premiums that protect your income, which your accountant can confirm for your situation. We can compare the two with you side by side, and the insurer decides on any application.
It depends on which system covers your job. In the Fair Work system, the National Employment Standards set the minimum paid sick and carer’s leave for all employees except casuals, and an award or agreement may add to it, such as a top-up. In some states, local government employees stay under the state system instead, which sets its own rules.
HR, or your labour hire employer, can confirm your balance and what applies to you. Once that’s known, an income protection waiting period can be weighed against the leave you’d use first, and we can compare policies with you around it.
It depends on where each cover comes from. Cover in a super fund follows the fund’s own terms, so it’s worth reading what they say about changing employer. 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. Any cover through the council or an agreement follows its own terms, so it’s worth asking the council before the move.
In the Fair Work system, a new employer on a transfer of business has to recognise your service for sick and carer’s leave; state systems may differ. Any defined benefit membership has its own rules. We can look at each cover with you before you start with the contractor.
That depends on the award or agreement covering your job. Some awards require an employer to keep paying super for up to 52 weeks while you’re away with a work-related injury or illness, receiving workers compensation and still employed, subject to the super fund’s rules. Other awards and agreements set their own terms.
Your payslips and super statements show what’s being paid in. Premiums for any cover in super keep coming off the balance through time away from work. We can look at your super and any cover with you, alongside any workers compensation claim the scheme is handling.
Start with the amount. Any default cover is for a set amount, so it’s worth comparing with today’s debts and household costs. Check the occupation your fund has recorded too, and contact the fund if it has classified you incorrectly.
If you were in a fund that offered trauma cover before July 2014, you might still have it through your super. TPD cover in super usually ends at 65 and life cover at 70, and any nomination is worth checking so it names eligible people or your estate. We can read each fund’s cover with you and compare it with personal cover outside super.
Your employer changes, and with it your pay arrangements and leave. Under labour hire, the labour hire employer was responsible for your pay and entitlements. A permanent council job may bring paid sick leave, which can change the waiting period you’d want on income protection. When you start, your employer generally pays into your existing super fund unless you choose another; a default fund applies only if you have no fund.
It’s a good time to check any cover in that fund, describe your new duties accurately on any application and look at income protection again. We can review it all with you as you start.
A quote from a website is built only from the questions on its form, which makes it quick. It may not ask where your sick leave comes from or what an award or agreement adds, whether a council tender is on the way, or what cover any super account from council or labour hire work carries.
Personal advice brings those pieces together with your crew duties, your pay and what you want protected. We weigh 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. Whether you mow parks, fix roads, run bins or work from the depot, we begin with your work, how your leave and pay are set and what matters most to protect.
There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Worth bringing: payslips with any allowances, your latest leave statement, super statements for each account, including any defined benefit statement, council or agreement insurance papers, any personal cover documents and any tender or transfer letter. We’ll then work out sensible next steps with you.
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.
Book An Initial Conversation