Life Insurance and Income Protection for Early Childhood Educators and Teachers
Income Protection for Early Childhood Educators and Teachers and Their Families
How your pay is set, any parental leave or part-time return, how you’re engaged and any cover in super shape your cover. We can help you read your pay against cover, check any cover held and lodge claims with you.
Financial Advice for Life Insurance and Income Protection
Who We Help
- Cert III trainees and new starters in a first super fund, including some under 25
- Casual and relief educators including those placed through an agency
- Educators on reduced hours including job-share and part-week rosters
- Diploma-qualified room leaders whose pay has changed with a new award level
- Educators changing services between long day care, kindergartens and preschools
- New early childhood teachers moving from educator pay onto teacher pay
- Educational leaders and directors paid an allowance or higher duties
- Family day care educators engaged by a scheme as contractors, or about to start
- Expecting or new parents planning leave from the room, or a return after it
We Can Help You
- Set out the age group in your room, floor-level work and lifting children in full when you apply for cover
- Read how a policy’s income definition treats award levels, any government-funded increase and allowances such as first aid
- Look at cover amounts again after a staged award increase or a move to a new level
- Check any cover before a move between long day care, a kindergarten, a preschool or another provider
- Set any sick and caring days, which share one leave balance, beside an income protection waiting period
- Plan income protection before parental leave and a return on fewer days, including any minimum weekly hours a policy sets
- Plan for practicum weeks and study inside the 12 months of earnings an income protection benefit is usually based on
- Compare cover you’d arrange yourself if a family day care scheme engages you as a contractor
- Trace any insurance in a first centre job’s super fund, including whether cover started in one opened before you turned 25
- Bring payslips showing your level and allowances to a personal insurance claim, lodged with you and followed up until the insurer decides
What we advise on
How Each Cover Works Around Early Childhood Work
Income Protection
During weeks away from your service because of illness or injury, how could the household keep up with its costs?
Income protection can pay part of your income after a waiting period, helping with regular bills while you’re unable to work.
We’ll compare income protection with you around how your pay is set and the days you work.
Income protection is designed to pay part of your lost income if you’re unable to work due to illness or injury, usually based on your earnings in the 12 months before the illness or injury. Waiting periods can run from 14 days to 2 years, you must be unable to work at the end of the waiting period to be paid, and some policies only cover you if you work a minimum number of hours each week.
What we work through with you on income protection:
- Award levels and any government-funded increase your service takes part in, set against the income a policy looks at
- First aid or broken shift allowances, and higher duties while acting up, each read against what a policy calls income
- A cover amount chosen before a staged pay change, looked at again against what you earn now
- A move from a long day care centre to a kindergarten, read for its effect on your pay and cover before you go
- Any personal leave covering your own illness and caring for family, or savings if you take agency relief days, against a policy’s waiting period
- Two or three days in the room each week, read against any hours floor a policy needs before it covers you
- Any workers compensation, if eligible, for harm from carrying toddlers or packing away play equipment, with a policy’s PDS read on how the two fit together
- Educator pay and the premium bill: paid from super or your wages, and any deduction left to your accountant
Life Insurance
Who would rely on what you earn, and on any care you give at home, if you were no longer here?
A lump sum paid to your beneficiaries can help with debts, everyday costs and the plans you share.
We’ll size life cover with you from any debts, everyday costs 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 age, health and job when you apply. If no beneficiary is named, your estate or the super trustee may decide where the money goes, and life cover sold in a package may be reduced by another claim paid under that package.
What we work through for life cover:
- A household running on one income or two, if you share one, and the amount it would need to keep going
- Fees for any child of your own in long day care or school, counted when the lump sum is sized
- Eligible people or your estate named in any fund nomination, with a new baby or a move in together as the cue to look again
- Any life cover in a fund opened through a first centre job, listed before you decide what to keep
- Life, TPD and trauma sold together, where an earlier payout on one may leave less for your beneficiaries
- If you have a partner, your cover and any of theirs sized together so the lump sums match the rent, mortgage or bills you split
- An early payout on a terminal diagnosis, where a life policy includes one, supported by a specialist’s report
- Your lump sum reworked when a baby arrives, a mortgage starts or you move to a kindergarten or director role
TPD Insurance
Were work of any kind out of reach for good, how might the goals you’re building towards still be funded?
Should work end permanently, TPD cover can pay a lump sum towards debts and plans, as the policy defines it.
Together, we’ll weigh TPD definitions against your qualifications and the work they could suit.
TPD cover can pay a lump sum if illness or injury means you’re unlikely to work again, as the policy defines it. An own occupation definition looks at your usual job, while an any occupation definition looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, TPD cover in super often ends earlier than life cover, and a TPD payout may reduce any life cover packaged with it.
What we compare with you for TPD:
- A TPD test built around educating young children, set beside one that asks about any job you could reasonably do
- A Cert III, Diploma or teaching degree, and the jobs an any occupation definition may say each qualification suits
- Super from any earlier centre jobs, and any TPD definition in each, set side by side before you decide whether to consolidate
- Moving from the floor into a director’s office, and whether the job title each fund holds still describes your work
- Help needed with everyday tasks like washing or eating, a measure some TPD contracts use in place of a work test
- The sum left for the people you name, which a TPD payout may lower where TPD and life share one policy
- A TPD amount weighed against rent or a mortgage, car repayments and childcare fees for any child of yours
- TPD if you couldn’t work again as a policy defines it, beside income protection for weeks off the floor, weighed against educator pay
Trauma Insurance
After a serious diagnosis, what could help with treatment costs and time away from your service?
Trauma cover can help with treatment costs through a lump sum, if a listed condition meets the policy’s definition and isn’t excluded.
We’ll read through what a trauma policy lists with you, and how a lump sum sits beside any leave.
A lump sum from trauma cover can be paid 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, so the wording matters. 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:
- Each critical illness and serious injury listed, and the medical wording a payment depends on
- Early-stage payments some trauma contracts make for a diagnosis caught sooner, and the cover remaining after one
- Your own bank account, rather than super, paying for any new trauma cover on centre or family day care income
- A trauma lump sum sized to help with costs once any sick and caring days have been used
- Childcare fees during treatment, if a child of yours is in care, added to the trauma sum you choose
- A family day care contractor with no paid leave, and how a trauma lump sum could sit beside other cover
- Any trauma cover bought earlier on different pay, compared with what treatment and time off would cost you now
- Tax on a trauma payment or the cost of cover, a matter your accountant can work through with you
Cover in Super
Across your super, has any cover started, and does it suit the days you work now?
Checking each fund’s statement before anything changes can show any cover you hold and what suits your work today.
We can go through any cover in each of your funds with you before anything changes.
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. For a new member under 25 or with a low balance, it doesn’t start automatically unless you ask or the fund gives automatic cover for a dangerous job. Premiums are deducted from your super balance.
What we look at in your super with you:
- Any fund opened during a Cert III traineeship, and when any cover in it may start if you joined under 25
- Default cover in units or a set amount, read against an educator’s pay on the days you work
- A move to another centre or a kindergarten, and which fund receives your contributions, with the cover there checked
- Accounts from any earlier long day care or kindergarten jobs, with any insurance in each compared before any are merged
- Room, office or family day care work, and whether the occupation each fund holds still describes what you do
- If you study for a Diploma or degree, any cover in super and whether the amount still suits the hours you can work
- A part-time or parental leave year, when insurance premiums may keep coming out of a smaller super balance
- Units of default cover that may stay put after an award increase, and applying for more if you want it
Pay Changes, Study and a New Service
As your level, qualification or service changes, how could your cover move along with each step?
Reviewing cover at each step keeps it in view as your pay and the work you do change.
We’ll look at your cover with you when your pay, qualification or service changes.
Under the award covering many centre-based educators, pay increases from March 2026 have come in stages, with further stages for certain levels from 2027 to 2029. One government-funded increase is paid only through services that take part, and preschools and kindergartens aren’t eligible for it. A first role as an early childhood teacher can mean a different award or agreement. Income protection usually looks at your earnings in the 12 months before an illness or injury.
What we look at with you as your work changes:
- A new award level on your payslip, and whether any income protection amount still reflects it
- One government-funded increase, paid only where your service takes part, read against the earnings a policy uses
- An offer from a kindergarten or preschool, with the pay and any cover through work compared before you move
- Practicum weeks without pay, which can sit inside the 12 months of earnings income protection usually looks at
- A first early childhood teaching role on different pay, with any cover amounts looked at again
- An educational leader allowance after a step up, and the cover amount set against your new pay
- Higher duties pay while acting as a room leader or director, and how a policy may count it
- Study for a Diploma or degree, with cover planned for the years your pay and role are changing
Family Day Care in Your Home
Running care from your own home, what cover would you arrange yourself, and what sits with the scheme?
Knowing what your engagement provides can help you plan cover of your own around how you work.
Together, we’ll look at your cover before you start family day care, or once a scheme engages you as a contractor.
Some family day care schemes engage educators as employees and some as contractors. Contract work comes without paid sick leave, and workers compensation is a payment to employees, so ask the scheme about it. On a contract, a business may have to pay your super if you’re paid mainly for your labour, for your own skills rather than a result, and you do the work yourself, but not under a contract with your company, trust or partnership.
What we look at with you for family day care:
- Employee or contractor: what each arrangement provides, confirmed with the scheme before you start
- Savings or cover to sit behind a waiting period, since contract work comes without paid sick leave
- Super on a family day care contract, checked against the ATO’s labour tests and the company, trust or partnership exception
- Insurance through your super, checked before you leave employment to run care from home
- Your home as the workplace, with your care duties described as they are on any application
- Income records for an application, such as tax returns and statements, gathered with your accountant
- Any workers compensation question taken to the scheme, with personal cover planned alongside
- Public liability and business insurance for your service, left with a general insurance broker who can advise on it
Making a Claim
Through a claim’s forms, reports and follow-up, would it help to have someone beside you the whole way?
Having help to gather papers and chase updates can make a claim easier to manage at a difficult time.
We’ll lodge a claim with you and keep track of it while the insurer or fund assesses it.
Moneysmart suggests first speaking to whoever arranged the cover: a financial adviser, the fund, the insurer or, for cover through work, your employer. An insurer can ask for details of your work duties, including physical requirements and the 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 about it goes first to the insurer or super fund, then to AFCA if it isn’t resolved.
How we help with a claim:
- Who hears from you first: the fund, insurer, employer or Ryker, depending on who you dealt with for the policy
- A day in your room described for the claim form: lifting, floor work, outdoor play and the hours you worked
- Payslips with your level and any educational leader or first aid allowance, or tax returns, to show what you earned
- Family day care income records, such as financial statements, collected for a self-employed claim
- What your treating team says about lifting, kneeling and floor play, passed to the insurer with your consent
- Any harm from room work that falls under workers compensation, if eligible, with a separate personal claim prepared with you
- A claim that starts near parental leave, read against the policy’s PDS before it’s lodged
- Concerns about how your claim was handled, put first to the insurer or fund, with AFCA available beyond them
Health Conditions & Illnesses
Could a health condition change the cover an insurer offers you?
Our guides explain what insurers may ask about common conditions, and a health condition doesn’t necessarily rule out cover.
We can help you prepare an application when you have a health condition or a past illness.
Underwriting is how an insurer assesses an application and decides whether to offer cover, on what terms and at what price. Possible outcomes include standard terms, a higher premium, an exclusion, a request to apply again later, or a decline.
Guides by health condition:
- Cover with a health condition: where to start
- Autoimmune conditions
- Back or joint conditions
- Blood conditions
- Cancer history
- Diabetes
- Digestive conditions
- Eye or hearing conditions
- Heart conditions
- HIV or hepatitis
- Kidney conditions
- Mental health conditions
- Neurological conditions
- Respiratory or sleep conditions
- Weight, smoking or alcohol history
- Women’s health conditions
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your room and your duties: Insurers usually ask about your job when you apply. The age group you work with, floor-level work, lifting and carrying children and outdoor play, or a director’s mix of room and office time, are part of describing it accurately, and the insurer decides how it views them.
- The days you work: Full-time, part-week and casual relief work are each described differently on an application, and some policies only cover you if you work a minimum number of hours each week.
- How your pay is set: Any award or agreement, any new level and any government-funded increase your service takes part in can shape your earnings. Income protection is usually based on your earnings in the 12 months before an illness or injury.
- Allowances and higher duties: Whether an educational leader, first aid or broken shift allowance, or higher duties pay, counts towards the income a policy insures is set by each policy’s own definition of income.
- Sick and caring days: Sick and carer’s leave come from one balance, pro rata for part-time work, and casual employees don’t get paid sick leave, so any balance you have is worth setting beside a waiting period.
- Study and practicum weeks: Unpaid practicum weeks can fall inside the 12 months income protection usually looks at. Finishing a degree can move you onto teacher pay and change the occupation you’d give a fund or insurer.
- Parental leave and coming back: Income protection is for being unable to work through illness or injury. How a policy treats time on leave, premiums while your pay pauses and a return on fewer days is set out in its PDS.
- Family day care or a new service: Contract work comes without paid sick leave, and workers compensation is a payment for employees. At a new service, your contributions generally go to your existing fund unless you choose another.
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 Early Childhood Work, Worked Through Together
Your Room and Duties Described in Full
The age group you work with, floor-level work and any director duties set out on an application.
Levels and Allowances Read for Income Protection
Award levels, allowances and any government-funded increase read against each policy’s income definition.
Cover Compared Before a Change of Service
Any cover looked at with you before a move between long day care, kindergartens and preschools.
Leave Days Set Beside a Waiting Period
Any sick and caring days from one balance matched with you to the waiting period you choose.
Cover Planned Around Parental Leave
Income protection and life cover planned with you before any leave and a return on fewer days.
Practicum Weeks Planned Into Your Cover
Any study, practicum weeks or move onto teacher pay planned into the cover amounts you choose.
Family Day Care Cover Compared for Contract Work
Personal cover compared with you for running care from your home as a contractor.
Claim Paperwork Followed Through With You
Forms, reports and payslips worked through with you while the insurer assesses a claim.
Proactive, Holistic, and Experienced Financial Planning
How your weeks run in the room, at home or between services is where our advice on cover begins. We listen first: the days you work, any leave or study ahead, and the people you’d want your cover to look after. Then we talk through each type of cover in plain terms, at a pace that suits you, with room for every question along the way. You’ll usually get our recommendations in writing, so you can read them in your own time.
Payslips, fund statements and PDSs are paperwork we work through alongside you. With your consent, we can gather them from your service, your funds and any insurer, and follow each one up so the chasing doesn’t sit with you. A partner or anyone close to you is welcome to join our conversations, in person or on a call. If your days change with a new level, parental leave or a move to family day care, we can look at your cover again together.
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 Early Childhood Educators and Teachers
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 early childhood work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Early childhood work can mean pay set by your service and level, allowances, part-time days, parental leave, study with practicum weeks and family day care on a contract. Each can affect how an insurer assesses an application and how a policy pays, so your duties, days, pay and engagement are part of what we look at.
With a financial adviser, you also have:
- Access to a wide range of insurers, who can assess the same health details differently
- Help preparing your application and answering the health questions with care
- Advice on whether to hold cover inside or outside super, and the trade-offs
- Reviews as your health, family and work change
- Someone in your corner if you ever need to claim
Going directly to an insurer can mean no separate advice fee, but you’ll only see that insurer’s policies, and you’ll generally receive general advice only, which doesn’t consider your personal circumstances.
Going through an online comparison site or broker, you may see more options side by side, but they also generally provide general advice only, which doesn’t consider your whole financial picture.
When we give you personal advice, the law requires us to act in your best interests, which we take personally. The insurer still decides whether to offer cover and on what terms.
We’re invested in your long-term success. What we do is personal, and we take it personally.
Your financial decisions connect, so we consider the parts of your financial life that are relevant to the advice you need:
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
This is how we help you make decisions today with your longer-term goals in view.
Everybody’s situation is different, so we listen first, understand what matters to you and explain your options clearly before we make a recommendation.
It depends on the policy. Income protection is designed to pay part of your lost income if you’re unable to work due to illness or injury, and parental leave on its own isn’t that. How a policy treats an illness that starts during leave, whether premiums continue while your pay pauses, and any option to pause cover are set out in its PDS.
Some policies also need you to work a minimum number of hours each week, which is worth knowing if you plan to return on fewer days. Reading these terms before your leave starts gives you time to plan. We can go through them with you across a range of policies, and the insurer decides on any claim.
Income protection is usually based on your earnings in the 12 months before an illness or injury, so a new level or a change of service can shift the income a policy looks at. Any cover amount chosen earlier may not change on its own when your pay does.
One government-funded increase is paid only through services that take part, and kindergartens and preschools aren’t among them, so a move there can change your pay as well as your role. Your employer can confirm your pay, and we can look at your cover amount with you against it.
It starts with how the scheme engages you, as an employee or a contractor, which the scheme can confirm. Contract work comes without paid sick leave, and workers compensation is a payment for employees. A business may still have to pay your super if you’re paid mainly for your labour, for your own skills rather than a result, and you do the work yourself, but not under a contract with your company, trust or partnership.
If you’re moving from employee to self-employed, it’s worth checking whether that affects any insurance through your super before you leave. At claim time, an insurer can ask for financial statements. We can compare personal cover with you around how your care runs.
Income protection usually bases the benefit on your earnings in the 12 months before an illness or injury, so unpaid practicum weeks inside that window may lower the figure a policy looks at. Whether a practicum is paid depends on your provider and the funding available.
Each policy also has its own definition of income, which sets what counts. After a first teaching role, your pay may change, and so may the occupation you’d give a fund or insurer, so it’s a good point to look at cover again. We can read the income definitions with you and plan cover around your study.
Under an any occupation definition, a TPD policy looks at whether you could work in any job suited to your education, training or experience. A Cert III, a Diploma or a degree, and the years you’ve spent in the room or leading a service, may be part of what the insurer considers. An own occupation definition looks at your usual job instead, and is usually only available outside super.
How the test applies comes down to each policy’s wording and the insurer’s assessment of a claim. We can compare the TPD definitions in any fund or policy you hold with you, and look at them again if your qualifications change.
It depends on your provider and your family’s circumstances. A discount that leaves your Child Care Subsidy unchanged is your provider’s choice and needs you to work at a centre-based day care or outside school hours care service. Your provider can confirm what happens to it during a long absence. Families eligible for Child Care Subsidy can get a minimum number of subsidised hours of care each fortnight, and Services Australia can confirm your entitlement.
If your child is in care, we can count that cost with you when sizing income protection or trauma cover.
Quotes online work from the questions their form asks, so they’re quick and useful for a first look. Advice can add a closer read: how each policy defines income for award levels and allowances, any minimum weekly hours, how leave sits beside a waiting period, and any cover already in your funds.
We 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. Cert III trainee or director, we begin with your work, your pay and what you’d like your cover to do.
There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Helpful to bring: payslips that show your level and any allowances, or family day care income records, plus a statement from each super fund, any existing policy, and dates for any parental leave or study. We’ll agree on a sensible next step with you from there.
Reviews
Testimonials from Our Clients
Client Success Stories
A Property Sale Became a Full PlanEstimated long term financial benefitApprox $448,000
A Plan to Keep the Family HomeLife cover established$1.2 Million
Cover in Place and Fees LoweredImmediate value$1,055 a year
Super Fees More than HalvedProjected retirement uplift$416k
Income Covered for a New MortgageImmediate value$975 a year
A 13-Year Mortgage Paydown PlanPlanned mortgage paydown13 years
A First Home and Family CoveredImmediate value$1,346 a year
Age Pension Kept After an InheritanceProjected uplift at 90More than $642,000
Grow & Protect Your Wealth Today
Whatever’s on your mind, we’re here to help. You’ll speak with an authorised financial adviser who’ll listen first and get to know what matters to you.
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