Life Insurance and Income Protection for Defence Force Members
Income Protection for Defence Force Members and Their Families
Your service category, your duties, any training or deployment, and any cover Defence provides all shape how personal cover works for you. We can help you compare cover, read a policy’s terms on service and lodge a claim with you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Set out your service category and what any cover Defence provides means for it
- Compare income protection waiting and benefit periods against any pay during a medical absence
- Ask an insurer, in writing, how a policy treats your service before you apply
- Weigh life cover amounts beside any death benefit Defence provides
- Compare TPD definitions with the way Defence classifies capacity to work
- Look at income protection for a reservist’s civilian income, and business expenses cover for any business costs
- Weigh trauma cover, held outside super, against costs that medical absence pay may not reach
- Check any cover in each super fund, including any fund from before you enlisted
- Plan personal cover for the years after 60, when Defence’s automatic cover for choice fund members stops
- Lodge a personal insurance claim with you, with the insurer assessing it and DVA deciding any DVA claim
Who We Help
- New recruits and officer cadets working out what cover comes with service
- Members with a home loan or family relying on their pay
- Members with a deployment ahead reading a policy’s terms before they go
- Aircrew, divers and clearance teams whose duties can change from week to week
- Reservists with a civilian job balancing Reserve days with their regular work
- Reservists in business or practice with costs that keep running while they serve
- Reservists on continuous full-time service or returning to Reserve days after a block
- Couples who both serve planning personal cover for two careers
- Members in their 50s planning cover for the years beyond 60
What we advise on
How Each Cover Works Around Service
Income Protection
Over a longer stretch away from service, how could the household keep running if illness or injury kept you from duty?
Income protection can pay part of your income after a waiting period, helping keep home life and your plans on track.
Together, we’ll compare income protection around how service pay works, including any pay during a medical absence.
Income protection can pay part of your income after a waiting period if illness or injury stops work, on the policy’s terms. The benefit usually reflects earnings in the 12 months before the illness or injury, with waiting periods often 14 days to 2 years. If you’re a permanent member of the Australian Defence Force (ADF) or on continuous full-time service, any salary and allowances you were eligible for may continue during a medical absence while you meet their conditions.
What we work through with you on income protection:
- Waiting periods chosen with any pay you’d receive during a medical absence in mind
- Deployment pay and service allowances, and which of them a policy treats as part of your earnings
- Tax-free Reserve days or a recent pay change, read against the earnings a policy usually uses from the 12 months before any illness or injury
- How a policy treats other payments you receive, as set out in its PDS and read with you before you apply
- War and war-like wording in an income protection policy, with the insurer’s position asked for in writing
- A reservist’s civilian income as the income being insured, with any pay for Reserve days read against the policy’s income definition
- Any home loan, other debts and later plans, set against the benefit periods an insurer offers for service roles
- A medical separation, and what any income protection policy you own says about cover from that point
Life Insurance
What would your loved ones need from the pay you earn in service if you were no longer here?
Life cover can pay a lump sum to your beneficiaries, helping your loved ones meet debts and keep their plans going.
We’ll work out a life cover amount with you from any debts, anyone relying on you and any Defence death benefit.
A life insurance policy can pay a lump sum to your beneficiaries if you pass away, and may include terminal illness cover. If no beneficiary is named, your estate or the super trustee may decide who receives the payment. Any automatic death cover Defence provides is separate from a policy of your own, and members of older super schemes have their own conditions to check.
What we work through for life cover:
- Cover amounts set beside any death benefit Defence provides, rather than added on top by default
- Life cover you own that can continue past 60, on the policy’s own terms
- War and war-like exclusions in a life policy, which may reach military exercises or training in Australia
- Timing an application before any notice of deployment, since some cover may need to be in place first
- Life cover in a pre-enlistment fund, if you have one, totalled with the rest before anything is cancelled
- Nominations in any fund Defence pays into and in any other fund, read against each fund’s rules on who can be paid
- A partner’s own cover in a service couple, so each career is looked at in its own right
- Postings, promotions, a first home or a new baby, each a moment to look at the amount again
TPD Insurance
Could your plans still go ahead if you could never work again, in uniform or out of it?
TPD cover can pay a lump sum, as the policy defines it, towards your debts and the plans you’ve made.
We can read TPD definitions with you against your service role and the civilian work your skills could suit.
For TPD, own occupation looks at your usual job, while any occupation looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, and whether it’s offered can depend on the insurer and your occupation. Defence’s invalidity cover is a separate test, classifying your capacity to work at a medical separation, and a member assessed as able to work outside the ADF with minimal restrictions receives no benefit from it.
What we compare with you for TPD:
- A service role that may have no direct civilian equivalent, and whether a policy offers own occupation cover for it
- Skills used in uniform, and how a definition based on your education, training or experience could view them
- Defence’s classification of your capacity to work and a policy’s TPD definition, read as two separate tests
- Any TPD cover sitting in any fund Defence pays into, and the disability test written into its terms
- War and war-like wording in a TPD policy, including how the policy treats training and exercises
- Activities of daily living wording, and when a policy uses that test instead of an occupation test
- A TPD amount bundled with life cover, and how a TPD payment could reduce the life amount
- Debts and costs you’d carry after a medical separation, set against the TPD amount you choose
Trauma Insurance
How could treatment costs and time away from service be met after a serious diagnosis?
Trauma cover can pay a lump sum towards those costs for a listed condition that meets the policy’s definition and isn’t excluded.
Together, we’ll read what a trauma policy lists, and how its definitions and exclusions apply to service life.
A trauma policy can pay a lump sum for a listed critical illness or serious injury that meets the policy’s definition and isn’t excluded. Medical definitions can be different between insurers, and trauma insurance doesn’t 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:
- Physical demands of service, and how each listed condition on a trauma policy is defined
- Severity levels on a trauma policy, and any partial payment it offers for a less advanced condition
- Trauma cover held by each partner in a service couple, with both careers in mind
- Time off or travel for a partner or family member to be with you, which a lump sum could help fund
- A trauma lump sum planned beside any Defence invalidity cover, which pays only on a medical separation
- How a trauma policy’s exclusions read for service duties, training and any deployment
- A trauma policy taken out before you enlisted, its wording read in full before any change
- Medical absence pay and a trauma lump sum, weighed together for expenses that pay may not reach
Cover in Super
Across your super funds, does any cover still suit the service you do now?
Checking each fund in turn can show any cover you hold and help you keep what suits your service.
We’ll check each fund’s cover with you first, with any changes set out in a financial plan, or Statement of Advice.
Default cover inside super can usually be issued without medical checks, though it may carry pre-existing condition rules set out in the fund’s PDS, and increasing it is usually underwritten like any other application. Cover in any super fund is separate from any automatic death and invalidity cover Defence provides.
What we look at in your super with you:
- Any fund from before you enlisted, the insurance that fund holds, and what it charges each year
- Any fund Defence pays into, and any voluntary cover the fund offers on its own terms
- Insurance in a civilian fund you keep through Reserve service, and what its premiums take from your balance
- Contributions that pause during leave without pay, and the premiums any fund keeps drawing meanwhile
- Each fund’s insurance guide, read with you between postings so you know what any cover provides
- The occupation each fund has recorded for you, updated with the fund if your role has changed
- Super left in a civilian employer’s fund, and any cover attached to that account
- Any cover in your funds, read before your last day in the ADF, beside any Defence cover that ends when you leave
Your Service and Defence’s Cover
Where could cover of your own fit beside any cover that comes with service?
Seeing any cover from service beside cover of your own can show where each applies and where a personal policy could add.
We can set out with you what any cover Defence provides applies to, and where a personal policy could fit.
For members of a choice super fund in the Permanent Forces or on continuous full-time service, Defence’s automatic death and invalidity cover applies until age 60, while older defined benefit schemes have their own conditions. Invalidity benefits can be paid on a medical separation, according to a classification of your capacity to work. DVA compensation is a separate system, for conditions your service caused or made worse, and payments from Defence’s cover may affect DVA or other benefits.
What we set out with you:
- Your service category, and which of Defence’s death and invalidity cover applies to that category
- The capacity-to-work classification used at a medical separation, and what each level means in plain words
- Defence’s cover and DVA compensation as two separate systems, each with its own decision-maker
- An older defined benefit scheme’s own conditions, if you joined under one, read before relying on any cover
- The years after 60, when Defence’s automatic cover for choice fund members stops even while they’re still serving
- An illness or injury not linked to service, which DVA compensation isn’t designed to cover
- A personal policy’s own definitions, which don’t rely on Defence’s classification or a DVA decision
- Payments from Defence’s cover that may affect DVA or other benefits, with each agency confirming the effect
Reservists and Your Civilian Cover
With Reserve service alongside your civilian work, what would support the income you earn outside uniform?
With income protection, part of your civilian income can be paid after a waiting period if illness or injury stops work.
We can look at your civilian income, any business and any civilian fund’s cover with you.
On Reserve days you’re paid only for the days you’re required to attend and do attend, and because that pay is tax free, Defence doesn’t contribute to your super. Employers aren’t required to pay a reservist’s salary during defence service. DVA can provide compensation for conditions Reserve service causes or makes worse, with incapacity payments worked out from civilian and ADF earnings.
What we look at with you as a reservist:
- Your civilian earnings as the income an income protection policy insures, and how the policy treats any Reserve pay
- Illness or injury unrelated to Reserve service, where DVA compensation doesn’t apply and personal cover may help
- Any war and war-like exclusions in a civilian super fund’s cover, with any agreement from the fund in writing
- Cover in a civilian fund while contributions pause during a long block of service, and what it costs
- A business’s fixed costs while you’re on service, and business expenses cover as a separate need from income
- Tax returns and business records gathered for an income protection application if you’re self-employed
- Moving onto a block of continuous full-time service and back to Reserve days, and which cover applies at each stage
- A civilian employer’s leave policy for Reserve service, read alongside your own cover plans
Making a Claim
When it’s time to claim, who could walk through each step with you?
Having a financial adviser lodge the claim with you and follow it up can leave more time for what matters to you.
We’ll lodge a personal insurance claim with you and follow it up while the insurer assesses it.
Moneysmart suggests speaking first to whoever you arranged the cover through. An insurer can ask for medical reports, your work duties and weekly hours, and payslips or tax returns. A complaint goes first to the insurer or super fund, then to AFCA if it isn’t resolved. Open Arms, Veterans & Families Counselling, offers free and confidential support 24 hours a day on 1800 011 046 for current and ex-serving ADF members and their families.
How we help with a claim:
- A first call about any claim, made to whoever arranged the policy, which may be us
- Service duties, including the physical demands of your role, set out accurately for the insurer
- Your service medical records and any separation medical, which the insurer will ask your permission to request
- A personal insurance claim lodged with you alongside any DVA claim, which DVA decides under its own process
- Any partial benefit while you return to lighter duties, where an income protection policy offers one
- Ongoing income protection payments, and the regular medical evidence an insurer may ask for to keep assessing them
- Updates to the insurer from a partner or family member while you’re away, with your consent
- Claim forms, calls and insurer requests handled around any time away or different time zones
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your service category: Being a permanent member, serving on Reserve days or on continuous full-time service changes which of Defence’s cover applies to you, so your category is the first thing we’d set out.
- Your role and duties: Insurers usually ask about your job when you apply. A service role can include flying, diving, parachuting, or time in the field or at sea, so your day-to-day duties are part of describing it accurately, answering the questions asked with reasonable care.
- Training, exercises and deployment: A policy’s war and war-like wording may reach military exercises or training in Australia, and some cover may need to be in place before a notice of deployment. How the wording reads is worth confirming with the insurer in writing.
- How you’re paid: Salary, allowances, any deployment pay and any tax-free Reserve days can all be part of what you earn. A policy’s definition of income decides what counts, and income protection is usually based on your earnings in the 12 months before an illness or injury.
- Cover in each fund: Any fund Defence pays into, any fund from before you enlisted and any civilian fund you hold as a reservist can each carry their own cover and terms.
- A new role or a block of full-time service: A promotion, a change of trade or service category, or starting or finishing continuous full-time service can change your duties and which cover applies, so how any policy describes your occupation is worth reading again.
- An illness, injury or lighter duties: If you’re on a medical absence or lighter duties, an insurer may ask about your current duties, your hours and any claim already under way.
- Turning 60 or leaving the ADF: For members of a choice super fund, any automatic cover Defence provides stops at 60, even while serving, and ceases on leaving the ADF. Older defined benefit schemes have their own conditions, so cover of your own is worth planning ahead.
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 Service Life, Worked Through Together
Your Service Category Set Out
Permanent, Reserve days or continuous full-time service, and which of Defence’s cover applies to each.
Service Terms Asked in Writing
How a policy treats service, training and any deployment, asked of the insurer in writing.
A Waiting Period Set Against Medical Absence Pay
Any pay during a medical absence weighed when you choose an income protection waiting period.
TPD Wording Beside Defence’s Classification
A policy’s TPD definition and Defence’s capacity-to-work classification read as two separate tests.
Civilian Income Mapped for Reservists
Civilian pay, any business costs and any civilian fund’s cover set out around Reserve service.
Each Fund’s Cover Listed
Cover in any fund Defence pays into and any other fund you hold, listed with its terms.
Cover Planned Beyond 60
Cover of your own looked at for the years after 60, when choice fund members’ automatic Defence cover stops.
A Claim Lodged with You
A personal insurance claim lodged with you and followed up while the insurer assesses it.
Proactive, Holistic, and Experienced Financial Planning
Personal cover makes more sense when someone explains it in plain terms. We start by listening to how your service and home life run, and what you’d like your cover to look after. From there, we explain each type of cover in turn, take your questions whenever they arise and move at the speed you’re comfortable with. You’ll usually receive our recommendations in writing, and the choices along the way stay with you.
We handle the paperwork alongside you. With your consent, we can request insurance details from each fund, gather the policy documents an application needs and stay in touch with insurers while they assess it. A partner or family member is welcome in any conversation, and we work around time away and different time zones where we can. If you ever need to claim, we’ll lodge the claim with you and keep you updated until the insurer decides.
Every financial decision impacts the next
Your Financial Life Is Connected
Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.
Your
Wealth
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
Frequently Asked Questions
Ryker’s financial advisers are licensed to give personal advice under Synchron Advice’s Australian financial services licence (AFSL 243313). We start with you: your service, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Service in the ADF can mean flying, diving, time in the field or at sea, training and exercises, any deployment, and any cover that comes with your service category. Each can affect how an insurer assesses an application and how a policy pays, so they’re 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 your service category and the policy. For permanent members and reservists on continuous full-time service, any salary and allowances you were eligible for may continue during a medical absence while you meet their conditions. On Reserve days, that applies only in limited cases.
Income protection can pay part of your income after a waiting period if illness or injury stops you working, subject to the policy’s terms. Any pay during a medical absence is one input when choosing a waiting period, alongside the benefit period, how the policy defines income and what it provides after a medical separation. How a policy treats other payments is set out in its PDS. We can compare the options with you, and the insurer decides on any cover.
They’re two separate tests with different decision-makers. Defence’s invalidity cover classifies your capacity to work at a medical separation, and a member assessed as able to work outside the ADF with minimal restrictions receives no benefit from it. That decision rests with Defence’s cover administrator.
A TPD policy can pay on its own definition, and the insurer assesses any claim. Own occupation looks at your usual job, while any occupation looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, and whether it’s offered can depend on the insurer and your occupation. For a service role with no close civilian equivalent, how each definition would read is worth understanding early. We can read each policy’s definitions with you.
Start with how the policy treats service. Defence’s consumer education site notes that most life insurance policies contain war and war-like exclusions, which may include military exercises or training in Australia, and the exact wording varies. Questions worth asking:
- How the policy treats your service, training and any deployment
- Which activities or events the policy excludes
- Whether any cover needs to be in place before a notice of deployment
It’s worth getting the insurer’s answer in writing. Since 5 October 2021, the duty when applying for consumer life cover is to take reasonable care not to make a misrepresentation, which means answering the questions asked with reasonable care. We can prepare the questions with you and read the insurer’s reply together.
It depends on the cause. All Reserve service gives you access to DVA entitlements, and if eligible you may receive compensation and treatment for conditions your Reserve service causes or makes worse, with incapacity payments worked out from your civilian and ADF earnings.
An illness or injury outside service is different. Income protection of your own can pay part of your income after a waiting period if illness or injury stops you working, subject to the policy’s terms. Employers aren’t required to pay a reservist’s salary during defence service, and a civilian fund’s cover may carry war and war-like exclusions, so it’s worth checking with the fund in writing. We can look at your civilian income and cover with you, and the insurer decides on any application.
No single figure suits every member. The amount comes from your own position: what you owe, such as any home loan or car finance, and what your loved ones would need for everyday costs and the plans ahead.
Any death benefit Defence provides and any life cover in your super funds are then set against that total, which shows what, if anything, a policy of your own would add. For choice fund members, any automatic cover Defence provides stops at 60, and older defined benefit schemes have their own conditions. A posting, promotion, first home or new baby is a good time to look at the amount again. We can work through each part with you, and the insurer decides on the cover it offers.
Buying cover online lets you choose a policy yourself, often quickly. Moneysmart notes that if an insurer doesn’t ask for your medical history, the policy may have more exclusions, so the wording is worth reading closely, including how it treats service, training and any deployment.
Personal advice starts from your service category, duties, income and any cover Defence or your super funds provide, then compares policies from a wide range of insurers. We can read the terms with you, help you ask an insurer how a policy treats your service, and apply for cover with you. The insurer decides whether to offer cover and on what terms.
Your accountant and financial adviser bring different expertise to the same decisions. Your accountant can advise on tax reporting, structures and consequences; we help you plan how cashflow, debt, super, investments and protection work towards your goals. We can coordinate before important decisions.
What an accountant does
- Prepares and lodges tax returns, BAS and financial statements
- Advises on tax structures such as companies, trusts and partnerships
- Manages bookkeeping, payroll and ATO compliance
- Provides tax advice on the consequences of a transaction
What a financial adviser does
- Sets a long term strategy across retirement, investing and cash flow
- Builds wealth from early in a working life, starting with cash flow, a first home and super
- Recommends specific super funds, investments and personal insurance
- Operates under an Australian Financial Services Licence, which is required to give personal advice on financial products
- Handles retirement planning, Centrelink and aged care strategy, and estate planning considerations
Professional roles and authorisations matter. We provide financial advice within our authorisations and work with your accountant for specialist tax advice and lodgements.
Where they work together
- Tax position. Your accountant confirms your marginal rate, deductions and carried forward losses, which shapes decisions on super contributions, investment structures and the timing of asset sales.
- Business and entity structures. Your accountant advises on the structure itself and your financial adviser works within it for investments, insurance and succession planning.
- Cash flow. Your accountant’s figures can help us understand what’s available for debt repayment, protection and longer-term goals.
- Before key decisions. We can coordinate with your accountant on contributions, asset sales and other material choices in time to consider relevant tax consequences.
Yes. For permanent members and reservists alike, we begin with your service category, any cover you hold and what you’d like protected.
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. Any super statements, policy schedules and a recent payslip are useful to have on hand. Share only what you’re able to about any deployment, and together we’ll agree on a practical next step.
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Any income, any stage, career changers, separation, second opinions and more.
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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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