Life Insurance and Income Protection for Electrical Linesworkers
Income Protection for Electrical Linesworkers and Their Families
Your line duties, how your pay is made up and any cover from the job each shape the cover that suits you. We help you compare cover, check any cover you hold now and lodge any claim with you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Describe any pole, EWP, live line or jointing duties, and how often they come up, on a cover application
- Check how a policy’s income definition treats any availability allowance, call-outs and storm overtime
- Weigh an income protection waiting period against any personal leave your award or agreement provides
- Read the terms of any income protection that came with a network job or agreement, including what happens if you leave
- Map your cover before a move between a network business, a contractor, labour hire or an ABN
- Compare TPD definitions against the switching, control room or training roles your experience could suit
- Review your cover when a move off the line changes your duties and any on-call pay
- Check what any defined benefit fund provides for a partner or dependants before a change
- Review the beneficiary nominations held by any fund from network or contractor jobs
- Lodge an insurance claim with you, alongside any workers compensation claim the scheme handles separately
Who We Help
- Apprentices training in overhead or underground line work
- Distribution linesworkers rostered for after-hours availability
- Transmission linesworkers on towers and high-voltage lines
- Live line workers using live line methods on energised networks
- Cable jointers splicing and terminating high-voltage cable
- Linesworkers employed by a contractor or through labour hire on network jobs
- Defined benefit fund members after years with a network business
- Line crews in regional areas covering long stretches of network
- Crew leaders and field supervisors stepping into switching or the control room
What we advise on
How Each Cover Works Around Line Work
Income Protection
Which bills would still need paying if illness or injury meant time away from line work?
Income protection can pay part of your income after a waiting period, helping you keep up with regular costs.
Together, we’ll compare income protection around the way your line work is paid and the hours it involves.
If illness or injury stops you working, income protection can pay part of your income once a waiting period has passed, under the policy’s definitions. Insurers usually base the benefit on what you earned in the 12 months before the illness or injury, and each policy sets its own meaning of income and of disability. Waiting periods usually range from 14 days to 2 years, and a benefit can be paid for a set time or to an age.
What we work through with you on income protection:
- Any call-out payments under an award or agreement, and whether a policy’s meaning of income takes them in
- A storm-heavy year or a quieter one in the 12 months before an illness or injury, read against the policy’s income definition
- Any allowance for work on overhead or underground lines, and whether a policy treats that allowance as part of your pay
- Paid personal leave, if an award or agreement covering your line job provides it, before a waiting period is picked
- Availability rosters and ordinary hours, compared with any hours threshold a policy may set
- Any income protection that came with a network job, and how its benefit compares with cover you could own
- Benefits for a fixed term or to an age, where a policy offers either for line work, matched to your working years
- Premiums for a policy held in your own name or inside a fund, and an accountant’s view of the tax side
Life Insurance
What would your loved ones have to draw on if you were no longer here?
Life cover can pay a lump sum to your beneficiaries towards debts, everyday living and the plans you have for them.
We’ll work out a life cover amount with you, counting any debts, everyday costs and any cover in super.
Life insurance can pay a lump sum to your beneficiaries if you pass away, and some policies also include a terminal illness benefit. Life insurers usually ask about your age and job when you apply. Where no beneficiary is named, your estate or the super trustee may decide where the money goes.
What we work through for life cover:
- Any mortgage, ute finance or card balance, totalled with the yearly running costs of home life
- Insurance attached to any fund from network, contractor or labour hire work, counted before any rollover
- A defined benefit fund’s death benefit, if you belong to one, read before it’s counted in the total
- Whether any fund from your line jobs offers a binding nomination, and which eligible people or your estate it could name
- Live line, pole and EWP tasks described in your own words when a life insurer asks what you do
- Cover a partner holds, if you have one, weighed with yours so neither amount is set in isolation
- A combined life and TPD policy, where a TPD payout may lower the life amount, as its wording sets out
- Moving depots, buying a home or a new baby: points at which the life amount is worth another look
TPD Insurance
Which of your plans would still need funding if you could never work again?
A TPD lump sum can go towards debts and longer-term goals if you can’t work again, as the policy defines it.
We can read each policy’s TPD definitions with you against line work and the other roles your experience could suit.
TPD cover can pay a lump sum if illness or injury means you’re unlikely to work again, as the policy defines it. Own occupation looks at the job you did, 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. TPD cover in super usually ends at an age set in the fund’s insurance terms.
What we compare with you for TPD:
- Any climbing, live line or jointing duties as the measure, if an insurer offers to assess TPD by your own occupation
- Control room, switching and planning jobs your line experience could lead to, under any occupation wording
- A fund’s TPD wording from an earlier network job, compared before any merge of that account
- Any underground jointing or pit work, set out together with any climbing, on a TPD application
- TPD held in super, usually paid by the insurer to the fund, which can pay you once the super release rules are met
- Outstanding debts and future costs at home, used to work out a TPD amount that fits your situation
- Income protection and TPD paired, one a regular payment and the other a single sum for longer-term costs
- An accountant’s read on any tax due when a super fund pays out TPD, before a figure is relied on
Trauma Insurance
How could treatment costs and time away from line work both be met if you were diagnosed with a serious condition?
Trauma cover can pay a lump sum towards treatment for a listed condition that meets the policy’s definition and isn’t excluded.
We’ll explain what a trauma policy lists and how a lump sum could sit beside income protection.
A trauma policy lists the illnesses and serious injuries it covers, and can pay a lump sum for one that meets its definition and isn’t excluded. 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.
What we read with you in a trauma policy:
- The events a trauma policy names, injuries included, each checked against the wording that defines it
- Any trauma benefit paid in stages, and what the wording requires at each stage
- Costs that arrive before any income protection pays, and a trauma payout’s place in meeting them
- What remains of the life sum on a combined life and trauma policy, if its wording lets a trauma claim draw it down
- Allowances and on-call pay you may miss during treatment, if you’re on a roster
- A trauma policy from years back, issued on its own terms, compared line by line before any switch
- Your own bank account funding any new trauma policy, which a super fund is no longer able to hold
- Travel for treatment if you live far from a major hospital, counted when a trauma amount is set
Cover in Super
Does any cover in your super fit the line work you do today?
Going through your super together can show what cover is there, and which parts are worth keeping for the work you do.
Together, we’ll read the insurance in any super fund and set out any changes 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. Members under 25 or with low balances usually need to ask for cover, unless they work in a dangerous job and the fund gives automatic cover.
What we look at in your super with you:
- Every fund opened through network, contractor or labour hire work, and any insurance in it, listed before a merge
- Contributions that stop between line jobs, and the premiums a fund keeps drawing for its insurance
- Line apprentices under 25 asking the fund to switch cover on, where it isn’t automatic
- A first Australian super fund after a move from New Zealand, and any cover it holds
- The type of TPD definition a fund applies to line work, read before you count on that cover
- Medical history before joining a fund, and any PDS terms that limit default cover for it
- Contributions from a new network or contractor employer, usually paid into the fund you already have unless you pick another
- A defined benefit fund’s own benefits, if you’re a member, read in full before any money is rolled over
Cover Through a Network or Contractor Job
With network and contractor roles both part of line work, how could your cover keep pace with a job change?
Knowing what any cover through an employer includes, and where it stops, can help you plan any personal cover around it.
We can map what comes with a network, contractor, labour hire or ABN role, and compare personal cover for any gaps.
Workers compensation is separate, through a state, territory or Commonwealth scheme. Employers take it out for their employees. On a contract in your own name, including on an ABN, a business may have to pay your super if you’re paid mainly for your labour, for your own labour and skills rather than for a result, and you do the work yourself. A business contracting with your company, trust or partnership doesn’t have to pay super for whoever that entity employs.
What we map with you as employers change:
- Any income protection in a network employer’s package, and whether it may continue once you leave that employer
- Cover an agreement funds for injury or illness outside work, and what may change under a new agreement
- Workers compensation for an injury at work as an employee, if you’re eligible, beside any personal cover
- A labour hire role, where the labour hire employer pays you and your super rather than the host business
- An ABN contract in your own name, and the three ATO tests for when a business has to pay your super
- A contract through your own company, trust or partnership, where the business doesn’t pay super for whoever your entity employs
- Any insurance through your super, read with you before any move from employee to contractor
- Any cover held through a previous employer, mapped if you relocate to work on another network
Moving Off the Line
If you step into switching, planning, training or the control room, how could your cover move with you?
Reviewing cover at each step can help it stay in line with your new duties, hours and pay.
We’ll review your cover with you when your duties, hours and any on-call pay change.
Income protection is usually based on your earnings in the 12 months before the illness or injury, so any change in on-call pay can change the earnings a policy counts. Insurers usually ask about your job, and an any occupation TPD definition looks at work suited to your education, training or experience. If a fund has your occupation recorded wrongly, Moneysmart suggests contacting the fund. TPD cover in super usually ends at an age set in the fund’s insurance terms.
What we review with you as your role changes:
- The occupation on each policy and fund, updated after a move into switching, planning or training
- The amount insured under income protection, if on-call pay falls away in the new role
- The 12 months after a role change, and how a new pay mix shows in an income protection benefit
- TPD wording for an office or control room role, compared with wording built around line work
- Minimum weekly hours in a new work pattern, checked against what each policy asks for
- Life and TPD amounts reviewed when a new salary or package replaces allowances and overtime
- A later return to field work, and what an insurer may ask about your duties at that point
- Cover in super as you near the age TPD in super usually ends, looked at well before that birthday
Making a Claim
Who could handle the paperwork beside you if you ever need to make a claim?
Support with the forms and regular contact with the insurer, who assesses the claim, can make each stage clearer.
We’ll lodge the claim with you, gather what the insurer asks for and keep in touch while it makes its assessment.
If you bought cover through a financial adviser, Moneysmart suggests speaking to them first; otherwise start with the fund, the insurer or, for cover through work, your employer. An insurer can ask for medical reports, details of your work duties, including physical requirements, and the number of hours you work each week. The insurer assesses the claim. Complaints go to the insurer or, for cover in super, the fund, then to AFCA.
How we help with a claim:
- Moneysmart’s advice to start with whoever arranged the cover, which is Ryker for cover we arranged
- Any pole, EWP, live line or jointing tasks before the illness or injury, written up with the hours involved
- Any availability allowance and call-outs on your pay records for the 12 months leading up to the illness or injury
- Statements from a depot supervisor or employer about your duties, if the insurer requests them
- Claims on any cover that came with a network job or agreement, made through that arrangement and followed up with you
- Treating practitioner updates while an income protection benefit is paid, which the insurer will ask your consent to request
- Depot or lighter work taken on mid-claim, and how the policy treats earnings from that work
- An unresolved complaint, which goes to the insurer or fund before AFCA can look at it
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Line work at height and near live gear: Insurers usually ask about your job when you apply. Setting out any pole climbing, EWP work, live line methods or underground jointing, and how often each comes up, gives the insurer a full description of your work.
- On-call rosters: Some policies only cover you if you work a minimum number of hours each week. Your ordinary hours and any rostered availability are worth setting out, and how a policy counts on-call time is in its own wording.
- Storm and call-out pay: Income protection is usually based on your earnings in the 12 months before the illness or injury. Each policy’s definition of income decides whether allowances, call-outs and overtime count. If yours takes that pay in, a storm-heavy or quieter year can change the earnings it counts.
- Cover that came with the job: Some network employers include income protection in their package, some agreements fund cover for injury or illness outside work, and some super funds give default cover. Each has its own terms, and they’re worth reading.
- A network role or a contractor’s: Network businesses and service contractors can sit under different awards, often alongside an agreement, and a labour hire employee is paid by the labour hire employer. A move between them can change your pay, any cover through work and who pays your super.
- Moving off the line: Switching, control room, planning, training or supervision roles can change your duties and any on-call pay. How a policy or fund records your occupation is worth checking, and the fund is the one to contact if its record is out of date.
- A defined benefit fund: If you belong to a defined benefit fund, its death benefits can differ from another fund’s, and changes may affect benefits for a partner or dependants. The fund’s rules are worth reading before any change.
- Time off after a work injury: Workers compensation is separate, through a state, territory or Commonwealth scheme. An employee hurt at work may be eligible, and when you apply for cover after time off, an insurer may ask about your current duties, your hours and any claim already under way.
This list isn’t complete, and nothing on it decides anything on its own. We start by learning about your situation, and any decision on cover is the insurer’s.
Your options
Why Work With a Financial Adviser for Your Personal Insurance?
| A Ryker financial adviser | Directly from an insurer | An online broker or comparison site | |
|---|---|---|---|
| Type of advice | Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313. | Usually general advice | Usually general advice |
| Advice that considers your health, family, work and goals | Yes, as part of your advice | Not with general advice | Not with general advice |
| Choice of insurers | A wide range | That insurer’s policies only | A panel of insurers, side by side |
| Help preparing your application | Yes, alongside you | The insurer’s own process | Varies |
| Advice on holding cover inside or outside super | Part of your advice | Not with general advice | Not with general advice |
| Support if you need to claim | Yes, we’re in your corner | The insurer’s claims team | Varies |
| Cost of advice | No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose: | No separate advice fee | No separate advice fee |
Type of advice
- Ryker financial adviser
- Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313.
- Direct from an insurer
- Usually general advice
- Online broker or comparison site
- Usually general advice
Advice that considers your health, family, work and goals
- Ryker financial adviser
- Yes, as part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Choice of insurers
- Ryker financial adviser
- A wide range
- Direct from an insurer
- That insurer’s policies only
- Online broker or comparison site
- A panel of insurers, side by side
Help preparing your application
- Ryker financial adviser
- Yes, alongside you
- Direct from an insurer
- The insurer’s own process
- Online broker or comparison site
- Varies
Advice on holding cover inside or outside super
- Ryker financial adviser
- Part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Support if you need to claim
- Ryker financial adviser
- Yes, we’re in your corner
- Direct from an insurer
- The insurer’s claims team
- Online broker or comparison site
- Varies
Cost of advice
- Ryker financial adviser
- No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose:
- Direct from an insurer
- No separate advice fee
- Online broker or comparison site
- No separate advice fee
Your Cover for Line Work, Worked Through Together
Your Line Duties Set Out
Any pole, EWP, live line or jointing work, and your weekly hours, described on any application.
Roster Pay Read Against the Policy
Any availability allowance, call-outs and overtime checked against each policy’s income definition.
Cover Through Work Mapped
Any package, agreement and fund cover listed with you, along with where each one may stop.
Cover Checked Before a Move
Any cover you hold looked at before a move to a network, contractor, labour hire or ABN role.
TPD Wording Read for Line Work
Each TPD definition read against line work and the roles you could move into, and whether own occupation is offered.
Cover Reviewed Off the Line
New duties, hours and pay looked at if you move into switching, planning or training.
Defined Benefits Read Before a Change
What any defined benefit fund provides for a partner or dependants, read before a change.
A Claim Lodged With You
Your claim lodged with you and followed up while the insurer assesses it.
Proactive, Holistic, and Experienced Financial Planning
Good advice on cover begins with the work you do. We’ll ask about your duties, the hours you keep, how your pay is made up and what you’d like your cover to do. Then we explain each option in plain language, take your questions as they come and go at whatever pace suits you. Our recommendations usually come to you in writing, so you can read them in your own time, and each decision is yours.
We share the paperwork with you too. With your consent, we can ask any super fund, or the provider of any cover through work, for the details of the cover it holds for you, prepare what an application needs and follow up with insurers while they assess it. You’re welcome to bring a partner or family member to any conversation. If a claim is ever needed, we’ll lodge it with you and keep you informed 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 line work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Work as a linesworker can involve poles, EWPs and work near energised network gear, an on-call roster with storm call-outs, and a network, contractor or labour hire employer. Each can shape how an insurer assesses an application and how a policy pays, so we look closely at your duties, hours and how your pay is made up.
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.
Answer each question the insurer asks, with care. 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.
For a lineworker or powerline worker, that can mean setting out any pole climbing, EWP work, live line methods or underground jointing, how often each comes up and the hours you usually work, including any rostered availability. If you leave out important details, the insurer may change or cancel your cover or refuse a claim (Moneysmart).
We can help you prepare an application that describes your work clearly, and the insurer decides whether to offer cover and on what terms.
Each policy sets its own test. An own occupation definition looks at whether you could work in 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, and whether it’s offered can depend on the insurer and your occupation.
Line experience can suit roles such as switching, control room work, planning or training, so under an any occupation definition those roles may be part of what the insurer considers. The wording of any TPD cover you hold, inside or outside super, shows which test applies.
We can read each definition with you, and the insurer assesses any claim against its own terms.
Defined benefit funds differ, so the fund’s own rules and your latest statement are the place to start. Payments, tax and death benefits can vary between defined benefit funds.
Making changes, such as leaving the fund, may affect benefits for a partner or dependants, and you generally can’t rejoin a defined benefit fund once you leave. Understanding what the fund provides before any change gives you the full picture to decide from.
We can read the fund’s information with you alongside any other cover you hold, so you can see where each part fits. Any decision about the fund is yours.
Two separate kinds of cover can be involved. Workers compensation is handled through a state, territory or Commonwealth scheme. Employers take it out for their employees, so an employee hurt at work may be eligible, and the scheme decides under its own rules.
Any income protection you hold in your own name can pay part of your income after a waiting period if illness or injury stops you working, under the policy’s terms, and how a policy treats any workers compensation payments is set out in its wording. Any agreement cover for injury or illness outside work is another arrangement, with its own terms.
We can map any cover you hold with you, and lodge any claim on a personal policy with you alongside the scheme’s process.
A move like that is a natural time to review any cover you hold. Income protection is usually based on your earnings in the 12 months before the illness or injury, so if on-call pay or allowances drop away in the new role, the amount a policy could insure may change too.
Insurers usually ask about your job, and some policies only cover you if you work a minimum number of hours each week. Your new duties, your hours and how your occupation is recorded on any policy or fund are worth checking, and the insurer decides on any change to your terms.
We can work through those changes with you as the new role settles in.
Any cover that comes with a job is worth reading closely: what it covers, how long it pays, how it works out the amount and whether it may continue if you leave. Some arrangements cover only injury or illness outside work, and a work injury is handled separately, through workers compensation if you’re eligible.
Personal advice looks at the whole picture: your duties, hours, income, debts and any cover in super, then compares policies from a wide range of insurers. A personal policy is held on its own terms, separate from any employer.
We can read what comes with your job alongside the rest, so you can see where each one fits.
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, and no policy knowledge is needed first. Whether you climb poles, joint cables or run a crew, the conversation starts with your line work and what matters most to you.
There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. If they’re handy, bring a recent payslip showing any call-outs, super statements, any defined benefit statement and anything you hold about cover through work. We’ll talk through the options and decide the next step with you.
Who We Help
Advice for All Stages of Life
From first job to retirement, we help you build wealth, protect it, and live well.
Starting Out
First jobs, first home, first super, HECS debt, budgeting and more.
Growing Families
First home buyers, new parents, school fees, single incomes, young families and more.
Medical & Health
Doctors, dentists, pharmacists, allied health, nurses and more.
Professional Services & Tech
Lawyers, accountants, brokers, engineers, consultants and more.
Trades & Business Owners
Electricians, plumbers, builders, sole traders, franchisees and more.
Corporate & Executive
Executives, senior managers, directors, board members and more.
Public Sector & Defence
Police, firefighters, paramedics, ADF personnel, teachers and more.
Approaching Retirement
Pre-retirees, transition to retirement, Age Pension, aged care, estate planning and more.
Other Stages
Any income, any stage, career changers, separation, second opinions and more.
Reviews
Testimonials from Our Clients
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