Life Insurance and Income Protection for Farmers
Income Protection for Farmers and Their Families
Your farm work, the farm’s income and ownership, and any cover in super shape personal cover for you, not the crop. We can help you set out your options, review any cover you hold and lodge a claim together.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Describe your farm duties, from machinery and chemicals to stock work and time alone, accurately on a cover application
- Set out farm income from your tax returns and accounts for income protection, working with your accountant
- Look at cover for each partner in a farming partnership, based on each one’s own duties and hours
- Check what cover, if any, each super fund holds if no super guarantee is paid on your own farm income
- Compare income protection waiting periods with your savings and the months between sale or harvest income
- Weigh business expenses cover, an option some insurers offer self-employed people, separately from income protection
- Compare TPD definitions inside and outside super for work that mixes hands-on farm work and management
- Review life, TPD and income protection for a son or daughter working on the family farm
- Check cover end ages and any minimum hours terms as you cut back or hand over the farm
- Bring tax returns, farm accounts and a picture of your seasonal work to an insurance claim lodged with you
Who We Help
- Grain and crop growers planting and harvesting through the year
- Beef, sheep and dairy producers working with stock every day
- Mixed farming families running crops and livestock together
- Orchard, vineyard and vegetable growers working to the picking season
- Couples farming in partnership each with their own role on the farm
- Family trusts and companies that own and run a farm
- Sons and daughters working on the family farm
- Farmers with off-farm work or a partner with a job off the farm
- Farmers cutting back or planning a handover
What we advise on
How Each Cover Works Around Farm Work and Farm Income
Income Protection
Were illness or injury to keep you off the farm through a season, how would the household’s bills be met?
Income protection can pay part of your income after a waiting period, keeping money coming in while you recover.
Together, we’ll compare income protection around how farm income is earned and how it shows in your accounts.
After a waiting period, income protection can pay a percentage of your income while illness or injury stops you working, subject to the policy’s terms. Insurers usually base the benefit on your earnings in the 12 months before the illness or injury. Waiting periods usually range from 14 days to 2 years, and benefit periods can run for two or five years or to a specific age such as 65.
What we look at with you for income protection:
- How a policy defines income for a farm business, read in its terms before you compare insurers
- A large harvest or a small one falling inside a policy’s income window, set out from the farm’s accounts
- Business accounts and tax returns for more than one year, which some insurers ask for with an application
- Money set aside from a good harvest or sale, measured against how long a waiting period runs
- Long days at sowing or harvest and shorter ones in between, set out for any policy with an hours requirement
- Payments from other sources while you’re off the farm, which a policy’s PDS may count against the benefit
- Whether income protection premiums are paid personally or through the farm’s structure, worked out with your accountant
- A part return to the farm, such as checking stock or doing the books, and any partial benefit a policy offers for it
Life Insurance
Could the people at home stay on the farm, or choose their own next step, if you were no longer here?
Life cover can pay a lump sum to your beneficiaries, helping them with debts, everyday costs and the choices ahead.
We can total your household’s debts and costs with you, including any loan over the farm, to set a life cover amount.
Life insurance can pay a lump sum to your beneficiaries if you pass away, and some policies include a terminal illness benefit. Insurers usually ask about your age and job when you apply. When life cover comes packaged with TPD or trauma, a payment on another claim in the package may reduce the life amount, and without a nominated beneficiary, your estate or the super trustee may decide who receives it.
What we work through for life cover:
- Any borrowing secured over farmland or the house, and any machinery finance, added up to size the lump sum
- The people who rely on the farm’s income, and how long a lump sum would need to support them
- Cover picked up through an off-farm job or an early fund, counted before anything new is compared
- Each fund’s nomination, to an eligible person or your estate, set beside how the farm is owned
- Life and TPD bought together in a fund, and what a TPD payment after a farm injury may leave of the life amount
- Life cover for each of you where a couple farms together and both incomes run through the farm
- Terminal illness cover, where included, which could give the family room to plan the farm’s next steps
- A life cover application describing farm work, from stock handling to time on machinery, as it is
TPD Insurance
What would fund the plans you’ve made for the farm and the family if you could never work again?
TPD cover can pay a lump sum if you can’t work again as the policy defines it, towards debts and future plans.
We’ll read TPD definitions with you against the mix of hands-on work and management a farm asks of you.
TPD insurance can pay a lump sum if illness or injury leaves you unlikely to work again, under the policy’s definition. 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, and TPD cover usually ends at age 65, whether it’s held inside or outside super.
What we compare with you for TPD:
- Whether own occupation wording is offered for a farmer who drives machinery, works stock and keeps the books
- Years of farm management, stock and machinery skills, and how an any occupation test might read them
- TPD in a fund chosen years ago, read for whether its definition still fits the farm work you do today
- An occupation a fund has recorded wrongly, such as an office role for farm work, raised with the fund to correct
- Work you could still do around the farm, and how a TPD definition weighs it against your usual duties
- Any farm loans, home changes such as ramps or rails, and paid help, added into a TPD amount
- A TPD payment planned against any farm borrowing, while income protection is planned for the household’s bills
- The age a TPD policy ends, checked in each policy as you get closer to it
Trauma Insurance
Following a serious diagnosis, how would time in town for treatment and help on the farm be paid for?
Trauma insurance can pay a lump sum when a condition on its list meets the definition and no exclusion applies.
We can go through the conditions a trauma policy lists with you, and how its lump sum sits beside income protection.
Trauma cover lists the critical illnesses and serious injuries it covers, and the medical definitions behind each one can differ between insurers. It doesn’t cover mental health conditions (Moneysmart). 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:
- Named illnesses and injuries on a trauma list, where the wording varies from one insurer to the next
- Staged trauma payments, where a policy offers them, so an early diagnosis may be paid in part
- Trauma premiums planned around when sale or harvest income comes in during the year
- A trauma lump sum set beside any income protection, so the farm’s fixed costs and the household are both considered
- Fuel, nights in town and weeks off the farm for treatment, counted when choosing a lump sum
- Any partner’s or relative’s weeks away from farm work to drive you to appointments, counted in the lump sum
- Any trauma wording signed up to long ago, read line by line before swapping policies
- Past health conditions answered with reasonable care on a trauma application, and how the policy’s exclusions read for them
Cover in Super
Has the cover in any super fund kept pace with the farm work you do and the household you have now?
A look at each fund together can show what cover you have, if any, and whether it suits your work.
We’ll check what cover, if any, each of your funds holds before anything changes.
Sole traders and partners don’t have to pay super guarantee for themselves, so a fund may hold a small balance. Cover in super usually doesn’t start automatically for a new member under 25 or with a low balance, unless they ask the fund for it. 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.
What we look at in your super with you:
- Personal contributions from farm income into a fund, and the insurance, if any, that fund holds for you
- A fund from an off-farm or earlier job, and any life or TPD cover it holds for you
- Income cover in a fund, checked against farm income that may arrive in a few large payments a year
- The occupation your fund has recorded for you, checked against the farm work you actually do
- Small or irregular contributions from farm income, and whether a fund has started any cover at all
- Premiums drawn from your super balance, and how far a balance built from farm income stretches to meet them
- Default life and TPD amounts, compared with any loan held over the land and the family home
- A partner’s or family member’s own super on the farm, and any insurance that fund holds
Farm Income, Partners and Structure
Could your cover be set out around how the farm is owned and the work each person does on it?
Getting the farm’s figures and each person’s role clear can help each policy fit the work it covers.
We’ll look at cover with you and your accountant around how the farm is owned and how its income is shown.
Each partner declares their share of the partnership’s net income or loss in their tax return, whether or not they receive it (ATO). For self-employed income protection, some insurers work from your share of the business profits, may add back items such as depreciation, and may ask about each spouse’s duties, hours and income. Where a spouse is in the business mainly for income splitting or tax purposes, some insurers may base benefits on the income each person actually generates.
What we look at with you and your accountant:
- A sole trader, partnership, trust or company structure, and who declares which share of the farm’s income
- Each farming partner’s own duties, hours and income, set out separately on any application
- Family members paid to work on the farm, and how their wages appear in the farm’s accounts
- Any farm management deposits made or withdrawn in the period, with how a policy reads them checked in its terms
- Depreciation on plant and machinery, and any other items some insurers add back to farm profit
- Who owns each policy and in whose name premiums are paid, decided with your accountant on the tax side
- Business expenses cover, a separate option some insurers offer beside income protection, with its terms read
- Any change to the farm’s structure, such as a new partner or a trust, as a prompt to review cover
Stepping Back and the Next Generation
When work on the farm shifts between generations, how could each person’s cover keep step with the change?
Cover that fits each person’s stage, from starting out to cutting back, can keep each plan in step.
We’ll review cover with each generation as roles, hours and ownership change.
Some policies need a minimum number of weekly hours, so cutting back is worth checking against them. Income protection benefit periods can run to a specific age such as 65, TPD cover usually ends at 65, and life cover in super usually ends at 70. Outside super, you may be able to keep life cover as long as you keep paying premiums. For a son or daughter on the farm, income protection is usually worked out from their own earnings.
What we review with each generation:
- Fewer hours and lighter duties as you cut back, read against any minimum hours term in each policy
- The end age in any policy, from income protection benefit periods to TPD and life cover in super
- Life cover looked at again beside any handover plan, with a lawyer preparing any will or agreement
- A son’s or daughter’s own income protection, worked out from what they’re paid rather than the farm’s value
- The next generation’s own super fund and any default cover in it, checked if they’re paid to work on the farm
- Nominations to eligible people or your estate, matched to the handover plan and any will
- Cover around any loan taken on for a buy-out, with a broker arranging the lending itself
- Every policy reviewed when ownership of the farm, its land or the business changes hands
Making a Claim
Who could help you through each step of a claim, from the first form to the insurer’s decision?
Support with the forms and follow-up can leave more of your time for recovery and the farm.
We’ll lodge a claim with you and stay in touch with the insurer or fund while it’s being assessed.
Moneysmart suggests speaking first to whoever you arranged the cover through, such as the fund, the insurer or a financial adviser. An insurer can ask for medical reports, details of your work duties and physical requirements, your weekly hours, and tax returns or financial statements if you’re self-employed. The insurer or fund assesses the claim, and a complaint goes to the insurer or super fund first, then to AFCA if it can’t be resolved.
How we help with a claim:
- The first call when cover sits in a fund, a personal policy or both, made with you
- Your farm duties and how your hours change through the seasons, described for the insurer as they are
- Tax returns and farm accounts for the period a policy looks at, gathered for an income protection claim
- Notes from your local GP or doctors in the city, which an insurer can access with your permission
- A farm injury that workers compensation may cover is a matter for that scheme, and any cover you hold is claimed on with you
- Payments a workers compensation scheme or another source makes, read against a policy’s offset terms before any claim payments begin
- Follow-up requests on the farm’s accounts or the work you did each season, answered with you
- Contract or casual help hired while you’re off, and how those wages appear in the farm’s figures for the insurer
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your farm work and duties: Insurers usually ask about your job when you apply. Farm work can take in machinery, chemicals, stock work and time alone or in remote areas, so how your week splits between these and any office work is part of describing it accurately.
- Your hours across the year: Hours can swing between the busiest times of year and the quieter weeks between them. Some policies only cover you if you work a minimum number of hours each week, so how your hours fall across the year is worth setting out.
- How farm income shows on paper: Income protection is usually based on your earnings in the 12 months before an illness or injury. For a farm business, those figures come from tax returns and accounts that deposits, distributions and depreciation can shape, and the policy’s terms decide how they’re read.
- How the farm is owned: Whether you farm as a sole trader, a partnership, a trust or a company sets who declares which income. It also bears on who owns a policy and how each partner’s own duties and income are set out, with your accountant advising on the structure itself.
- Work off the farm: An off-farm job, contract work such as harvesting or spraying, or a second business adds duties and income to describe on an application. A partner’s off-farm job is part of the household picture too.
- A big season or a smaller one: The 12 months before an illness or injury could hold a big season or a smaller one. After a year that changed the farm’s figures, the amount of any income protection is worth looking at again.
- Stepping back or handing over: Fewer hours, a new role for the next generation and the ages at which cover ends can each change what suits. Each person’s cover is worth looking at for the stage they’re at.
- An injury while working: Workers compensation is insurance employers take out to cover eligible employees. An owner’s position depends on how the farm is set up and is a question for the scheme, and some income protection policies may reduce payments by other income paid at the same time.
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 Farm Work, Worked Through Together
Your Farm Duties Set Out
Machinery, stock and chemical work and your hours across the year, described in full on any application.
Farm Income Set Out From Your Accounts
Tax returns and farm accounts arranged with your accountant against how each policy defines income.
Cover Looked At for Each Farming Partner
Each partner’s own duties, hours and income set out, with cover compared for each of you.
Cover in Each Super Fund Checked
What each fund holds, if anything, read with its premiums, periods and the occupation it records.
TPD Definitions Weighed for Farm Work
Own and any occupation definitions read against the mix of hands-on and management work you do.
Cover Reviewed as You Step Back
Hours, duties and end ages in any policy looked at again as you cut back or hand over.
Cover Looked At for the Next Generation
A son’s or daughter’s own income protection and super cover, compared on their own pay and duties.
Your Claim Lodged and Followed Up
A claim lodged with you, farm duties and accounts gathered, then followed up while the insurer or fund assesses it.
Proactive, Holistic, and Experienced Financial Planning
Our first conversation is about how your farm and your year run: the work you do, how the farm is owned, how income comes in and what you’d like your cover to do. We meet in person or online, at a pace that suits you and around the busy times of your season. We explain each type of cover in plain terms and answer your questions as they come up. You make each choice on cover, and we set out what each option means for the farm and household.
From there, we take on the paperwork. With your consent, we can request insurance details from any fund that holds cover for you, gather fund statements, policy documents, tax returns and farm accounts, and follow up with insurers while they assess an application. We work alongside your accountant, and a partner or the next generation is welcome to join any conversation. Should you ever need to claim, we’ll lodge it with you and keep you informed while the insurer assesses it.
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 farm and how it’s set up, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Farming can mean income that swings with the seasons, a farm owned with a partner or through a trust or company, and physical work on hours that vary. Each can shape how an insurer looks at an application and how a policy pays, so your duties, hours, structure and the farm’s figures 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.
They’re different kinds of cover. Personal 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. It’s cover for you as a person.
Cover for a crop, a season’s revenue, livestock or machinery is general insurance, which is a separate field. A general insurance broker can arrange it, and we don’t advise on it.
We can look at personal cover with you, including income protection, life, TPD and trauma cover, and compare options across a wide range of insurers. The insurer decides on any application and its terms.
Income protection is usually based on your earnings in the 12 months before an illness or injury. For a farm, those figures come from your tax returns and the farm’s accounts, which a big season or a smaller one, farm management deposits, distributions and depreciation can all shape.
For self-employed cover, some insurers work from your share of the business profits and may add back some items, such as depreciation. How a policy reads any particular figure is set out in its terms, so definitions are worth comparing before you apply. After a year that changed the farm’s figures, any cover amount is worth looking at again, and we can do that with you and your accountant.
It depends on the insurer and on how the partnership runs. Each partner declares their share of the partnership’s net income or loss, whether or not they actually receive it, and an insurer may look further than that share.
Some insurers ask about each partner’s duties, hours worked and income. Where a spouse is in the business mainly for income splitting or tax purposes, some insurers may base benefits on the income each person actually generates. What each of you does on the farm is worth setting out as it is.
We can compare cover for each partner with you, and the insurer decides on any application and its terms.
Workers compensation is separate, through a state, territory or Commonwealth scheme. It’s insurance employers take out to cover eligible employees, and an owner’s position depends on how the farm is set up, a question to put to the scheme.
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. Some policies may reduce payments by other income paid at the same time, and the PDS sets out which. Some insurers also offer business expenses cover as a separate option beside income protection. We can compare income protection and business expenses cover with you, and the insurer decides on any application.
Their cover starts with their own position. Income protection is usually based on a person’s own earnings in the 12 months before an illness or injury, so the figure is what they’re paid rather than the farm’s value. Their duties and hours are described as they are.
Any super fund of their own is worth checking for cover, along with nominations to eligible people or their estate. As their pay, role or share of the farm changes, their cover is worth looking at again. We can work through it with them, and the insurer decides on any application and its terms.
Each policy’s terms decide what changes. Some policies only cover you if you work a minimum number of hours each week, so fewer hours are worth checking against them. Income protection benefit periods can run to a specific age, such as 65.
TPD cover usually ends at 65, inside or outside super, and life cover in super usually ends at 70. Outside super, you may be able to keep life cover as long as you keep paying premiums. We can review each policy with you as your hours and role change, and before any handover.
An online quote works from the answers it asks for, which makes it quick. It may not weigh how the farm is owned, how each partner’s income is set out, the cover in each super fund or how a policy defines farm income.
Personal advice looks at those together: your duties and hours across the year, the farm’s figures with your accountant, any partner’s or family member’s cover, and the debts your household carries. We then compare cover across a wide range of insurers with you, and the insurer decides on any application and its 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. Crop, livestock or both, we start with the work you do on the farm, how it’s owned and what you’d like your cover to protect.
There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. It helps to bring the last two years’ tax returns and farm accounts, or the partnership, trust or company returns, a statement from each super fund showing any cover, any policy documents, and a rough picture of your duties and hours across the year.
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