Life Insurance and Income Protection for FIFO and Mine Workers
Income Protection for FIFO and Mine Workers and Their Families
Cover for site and offshore work depends on what you do and where, your roster and contracts, and any cover through your employer or super. We can help you check any cover, compare options and lodge a claim with you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Describe your duties accurately on a cover application, whether underground, on plant, offshore or in an office
- Show how roster allowances, overtime and shutdown pay appear in your earnings for income protection
- List any insurance provided by a site employer or agreement, alongside any cover in each super fund
- Check any cover in your super before a gap between contracts or an overseas rotation
- Compare income protection waiting periods with any sick leave balance, counted in hours
- Read how an income protection policy treats any workers compensation paid at the same time
- Read how TPD definitions inside and outside super would treat the tickets and experience a site role uses
- Work out life and TPD amounts from any debts taken on with site pay and your household’s costs
- Look at a trauma lump sum for time away from site, as new cover held outside super
- Gather your duties, roster and payslips for an insurance claim, lodged with you while the insurer assesses it
Who We Help
- FIFO and DIDO workers starting their first site contract
- Plant operators and maintenance trades on surface and open-cut sites
- Underground miners and shutdown crews working below ground or through a shutdown
- Drillers and offsiders on production and exploration rigs
- Engineers, geologists and surveyors splitting their time between the field and the office
- Offshore oil and gas crews working in Australian waters or on international rotations
- Site contractors paid by the job or the hour on an ABN
- Workers between contracts or moving from site work to a job closer to home
- Partners at home who want cover of their own
What we advise on
How Each Cover Works Around Site and Offshore Work
Income Protection
Should illness or injury take you off the roster for a while, what could keep part of your pay coming in?
Income protection can pay part of your income after a waiting period, to help with household costs while you recover.
Together, we’ll compare income protection around how roster work is paid, from base rate to allowances and overtime.
After a waiting period, income protection can pay part of your income while illness or injury keeps you from working, subject to the policy’s terms. Insurers usually work out the benefit from your earnings in the 12 months before the illness or injury, using the policy’s own definition of income. Waiting periods can range from 14 days to 2 years, 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:
- Remote, underground or shift allowances and overtime, each read for whether it counts as earnings a policy insures
- Months of heavy overtime, shutdown weeks or a gap between contracts, and how each sits in the 12 months before an illness or injury
- A waiting period weighed against the leave and savings you could draw on before payments start
- Any reduction a policy makes for workers compensation or sick leave paid at the same time, set out in its PDS
- Any disability definition based on your own duties, where a policy offers one, read against plant, underground or offshore work
- A move from surface to underground or offshore work, and whether a policy’s occupation details still describe you
- An illness or injury away from site, outside workers compensation, and how a policy would treat the time off
- A partial benefit while you return on lighter duties or a shorter roster, where a policy offers one
Life Insurance
Could the people who rely on you keep up with what your site pay covers if you were no longer here?
Life cover can pay a lump sum to your beneficiaries, helping them meet debts, everyday costs and plans already under way.
We’ll work out a life cover amount with you from the debts and costs your household carries.
Life insurance can pay a lump sum to your beneficiaries if you pass away, and some policies include a terminal illness benefit. When life cover comes packaged with TPD or trauma, a payment on another claim in the package may reduce the life amount. Without a nominated beneficiary, the payment may go to your estate or be decided by the super trustee.
What we work through for life cover:
- A mortgage borrowed against site pay, plus any car or personal loans, totalled for the lump sum
- Default life cover sitting in a fund from an earlier site job, added to the total you already hold
- Nominations on each super fund, checked as current and naming only eligible people or your estate
- A life cover application describing your work on site, underground or offshore in plain detail
- A partner at home who’d like cover of their own, looked at alongside yours
- Household costs set on site pay, and how long a lump sum would need to support them
- Any life cover through a site employer or agreement, and whether that cover may not continue after you leave
- The lump sum revisited when a contract ends, you buy a house or you trade site work for a local job
TPD Insurance
Which of your plans would still be funded if you could never work again?
If you can’t work again as the policy defines it, TPD cover can pay a lump sum towards debts and your plans.
We can read TPD definitions with you against the skills, tickets and experience a site role uses.
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 whether it’s offered can depend on the insurer and your occupation. TPD cover in super usually ends at age 65.
What we compare with you for TPD:
- A driller’s, operator’s or maintenance tradesperson’s usual job, and whether a policy offers own occupation cover for it
- Tickets, licences and supervision experience, and how an any occupation definition could view them
- Any TPD in funds from several site employers, where each claim is assessed under that fund’s own wording
- The occupation a fund has on record after a change of role, raised with the fund if incorrect
- TPD packaged with life cover, and the life amount left once a TPD claim is paid
- Home modifications, ongoing care and the loan on a house bought with site pay, weighed in a TPD amount
- Any TPD cover through an employer arrangement, read for its definition and when it may stop
- Heavy lifting, climbing and confined spaces in a site role, set out plainly on a TPD application
Trauma Insurance
After a serious diagnosis, how would treatment, travel for care and time away from site be paid for?
A trauma policy can pay a lump sum when a listed condition meets its definition and isn’t excluded.
Together, we’ll read what a trauma policy lists, and how its lump sum would sit 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. Insurers usually ask about your job and lifestyle when you apply. 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:
- Definitions on a trauma list, which can differ between insurers, compared before you choose
- Severity levels in a trauma policy, and whether a smaller payment applies at an earlier stage
- Accommodation near treatment and time away from site, weighed when setting a trauma amount
- Trauma premiums planned within site pay, because new trauma policies can only be held outside super
- Contractors on site with no paid sick leave to fall back on, and a trauma amount set for the weeks away
- Trauma cover bought years ago, with its wording and terms checked before any replacement is considered
- A diagnosis during a swing or an overseas rotation, and the cost of flights home for treatment
- Exclusions in a trauma policy, such as conditions you’ve had before, read in the PDS before you apply
Cover in Super
Does any cover in your super still match the site work you do now?
Checking each fund you hold together can show what cover you have, so you can keep the cover that suits your work.
We can check any cover in each 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. Premiums for cover in super come out of your balance, so each fund you hold may be charging for its own cover.
What we look at in your super with you:
- Super accounts opened by different site employers, with any insurance in each one read before you merge them
- A gap between contracts, and the premiums still drawn from any fund with cover while no contributions go in
- Insurance in a fund you joined through a labour hire or contracting firm, read before you leave that firm
- Any fund where your cover started without health questions, and what increasing that cover would involve
- Insurance in a fund chosen by a past employer, kept or replaced only after its terms are compared
- Any income protection in a fund, read for how its income definition treats roster allowances and overtime
- Default life and TPD amounts in any fund that holds them, set against what your household would need on site pay
- Default cover premiums taken out of your super balance, and the cover any fund gives in return
Rosters, Contracts and Site Cover
As you move between rosters, contracts and employers, how could your cover keep pace with each change?
Knowing what each piece of cover relies on can help you keep it in step with the work you do.
We can map any cover through your employer, an agreement and your funds with you, and what each one relies on.
For cover in super, Moneysmart suggests asking the fund what happens to it if you change jobs. A business contracting with you as an individual may have to pay your super when you’re paid mainly for your labour, for your own skills rather than a result, and you do the work yourself. A contract with your company, trust or partnership is different: the business doesn’t have to pay super for whoever that entity employs.
What we map with you across rosters and contracts:
- Any cover a site employer arranges, and what the employer says happens to it when you change jobs
- An agreement’s insurance terms, if your agreement includes any, read alongside your own policies
- A new contractor taking over on the same site, and where your super and its cover go next
- Super on a site contract, where the ATO tests look at labour, personal skills and who does the work
- Contracting through a company or trust, with that structure advised on by an accountant and your cover planned around it
- Work paused by a shutdown or project end, which income protection doesn’t cover, and the savings you could draw on
- Every new contract, employer or site as a prompt to look at your cover again
- Paid sick leave as a permanent employee, which builds on ordinary hours and is kept in hours, read against any long shifts
Offshore and Overseas Work
When work takes you offshore or overseas, what could change for any cover you hold?
Looking at your cover before a rotation starts can help you keep what suits you and plan for any change.
We’ll start with where you’re based and where you work, then look at your cover with you before a rotation begins.
A non-resident employer doesn’t have to pay super for resident employees for work they do outside Australia, while an Australian employer generally keeps paying super for temporary overseas work. An insurer can ask about regular travel and work overseas when you apply.
What we look at with you before you work offshore or overseas:
- Your home base and where you fly out from, set out accurately on a cover application
- Super from a non-resident employer, which doesn’t have to be paid for work you do outside Australia
- Regular overseas rotations, with dates, destinations and length of each trip described on an application
- Any cover you already hold, with its wording on overseas work and residence read before a rotation starts
- Helicopter transfers, offshore duties and time at sea, described as they are on a cover application
- Which workers compensation arrangement covers offshore work, a question for your employer or the scheme
- Tax residency on long overseas rotations, a question for your accountant before you leave
- Personal contributions while you work abroad, within the caps, with an accountant on any deduction
Making a Claim
Should you ever need to claim, who could work through each step and form with you?
Having a claim lodged with you and followed up with the insurer can leave you more room for recovery.
We can lodge a claim with you and stay in touch with the insurer or fund while it assesses the claim.
Moneysmart suggests speaking first to whoever you arranged the cover through: the fund, the insurer, a financial adviser or, for cover through work, your employer. An insurer can ask for medical reports, your work duties and physical requirements, your weekly hours, and payslips or tax returns. The insurer or fund assesses the claim, and a complaint goes to the insurer or super fund first, then to AFCA if unresolved.
How we help with a claim:
- Where to begin when cover sits with several funds, a site employer and a personal policy
- Shift patterns, physical demands and time underground or offshore, set out for the insurer in plain terms
- Pay records that show base rate, allowances and overtime, gathered for an income protection claim
- Doctors’ and specialists’ reports, including any from treatment near site or interstate, which the insurer will ask your consent to request
- Any workers compensation claim stays with the employer and the scheme, while we prepare a personal policy claim with you
- Ongoing income protection progress forms, worked through with you from wherever you’re recovering, at home or interstate
- Questions from the insurer about rosters, travel or overseas work, answered with you as the claim goes on
- Disputes over a claim decision, heard by the insurer or fund before the free AFCA service
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your role and duties: Insurers usually ask about your job when you apply. An operator, a fitter, an underground miner and a site geologist do quite different work, so how your week splits between plant, tools and the office is part of describing it accurately.
- Your roster and hours: If you work long shifts followed by days off, how your hours fall across the roster is worth setting out. Some policies only cover you if you work a minimum number of hours each week, so it’s worth checking again if your hours drop.
- How you’re paid: An income protection benefit usually comes from your earnings in the 12 months before an illness or injury. The policy’s definition of income decides whether allowances, overtime or shutdown pay are counted.
- Where you work and travel: An application can ask about regular travel and work overseas, so whether you work underground, open cut or offshore, and how often you travel, is worth setting out.
- Cover through your employer: Any cover a site employer or agreement provides relies on that job. What happens to it when you change jobs is a question to ask the employer before you move.
- A new contract or a gap: Super contributions can stop between contracts, or while you work overseas for a non-resident employer, and premiums for any cover in super still come out of your balance.
- Going out on your own: On an ABN, whether a business pays your super depends on how the contract meets the ATO’s tests, and a business contracting with your company or trust doesn’t have to pay it. For self-employed work, an insurer may work out income from your share of the business profits.
- An injury on or off site: Workers compensation is for employees injured at work or made sick by their work, if eligible. Some income protection policies reduce payments by workers compensation or sick leave paid at the same time, and an insurer may ask about any claim 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 Site and Offshore Work, Worked Through Together
Your Role and Site Duties Set Out
Your duties, roster and any work underground or offshore, described in full on any application.
Employer and Super Cover Mapped
Any cover through a site employer, an agreement and each fund, listed with what each one relies on.
Roster Pay Set Out for Income Protection
Base pay, allowances and overtime set out clearly against how each policy defines income.
Cover Checked Before a Contract Gap
Any insurance in your funds looked at before a gap between contracts.
Cover Reviewed Before an Overseas Rotation
Any cover you hold, and how your super is paid while you work overseas, looked at before you fly out.
TPD Definitions Weighed for Site Skills
Your tickets and experience under any occupation wording, and whether an insurer offers own occupation for site roles.
Beneficiaries Kept Up to Date
Nominations in each fund and policy looked at again after a new contract, fund or family change.
A Claim Lodged With You
A claim prepared and lodged with you, then followed up while the insurer assesses it.
Proactive, Holistic, and Experienced Financial Planning
We start by listening to how your work runs: what you do, where you do it, how you’re paid and what you’d like your cover to do. We meet in person or online, so our conversations can be planned around your time at home. We explain each type of cover in plain terms, answer your questions as they come up and go at a pace that suits you. Every decision along the way is yours to make.
While you’re on site, we take on the paperwork. With your consent, we can request insurance details from any fund that holds cover for you, gather fund statements, payslips and any employer cover documents, and follow up with insurers while they assess an application. If someone at home shares your plans, they can join any conversation, whether you’re on site or on R&R. If you ever need to claim, we’ll lodge the claim with you and keep you updated until the insurer has made its decision.
Every financial decision impacts the next
Your Financial Life Is Connected
Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.
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 roster on site or offshore, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Working fly-in fly-out, underground, on plant or offshore can mean long rosters, contracts that end, cover through an employer and travel overseas. Any of these can shape how an insurer looks at an application and how a policy pays, so your duties, roster, travel and pay are all 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 how the cover is arranged. Any cover a site employer or agreement provides relies on that employment, so what happens to it when you leave is a question for the employer.
Cover in super works differently. When you start a new job, your employer generally pays into your existing super fund unless you choose another; a default fund applies only if you have no fund.
We can list any cover you hold with you and compare personal cover before or after a contract ends. 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, so months of heavy overtime, shutdown work or a gap between contracts can all sit inside that window. Whether allowances and overtime count depends on each policy’s definition of income.
Some policies only cover you if you work a minimum number of hours each week, so how your hours fall across a roster is worth setting out. Paid sick leave for full-time and part-time employees builds on ordinary hours and is kept in hours, so any balance is worth reading in hours against the waiting period you choose. We can compare policies with you on each of these points.
A site injury may be covered by workers compensation if you’re eligible. Workers compensation is separate, through a state, territory or Commonwealth scheme. It’s for employees injured at work or made sick by their work, and the scheme handles that claim under its own rules.
A personal income protection policy can pay part of your income after a waiting period if illness or injury stops you working, on site or away from it, subject to the policy’s terms. Some policies reduce their payments by any workers compensation or sick leave paid at the same time, so the PDS is worth reading for these offsets. If you need to claim, we can lodge the personal policy claim with you, while any workers compensation claim stays with your employer and the scheme.
A non-resident employer doesn’t have to pay super for resident employees for work they do outside Australia, while an Australian employer generally keeps paying super for temporary overseas work.
An application can ask about regular travel and work overseas, including where you go and for how long, so your rotations are worth setting out accurately. Tax residency is a question for your accountant. We can look at any cover you hold with you, and compare options, before a rotation starts.
Insurers usually ask about your job, and the questions can reach into your duties, hours and travel. 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. If you leave out important details, the insurer may change or cancel your cover or refuse a claim (Moneysmart).
For site work, that means describing your duties as they are: underground or surface, operating plant or maintaining it, any time in the office, your weekly hours and any regular travel. The insurer decides how it views each answer and what it offers. We can prepare the application with you.
Start with the debt itself. A home loan taken out on site pay, plus any other debts, sets a base for the lump sum, along with what the people who rely on your income would need for everyday costs if you were no longer here.
Any life cover you hold in super or in a policy is then counted against that total. A move to a local wage, a new contract or a bigger loan are each good points to look at the amount again. No rule of thumb fits everyone, so we can work through each part with you, and the insurer decides on the cover it offers.
A quote is built from the answers you give to the questions on screen, which makes it quick. It can’t look across any cover you hold through a site employer, an agreement or each super fund, or weigh how an income definition treats allowances and overtime.
Personal advice starts from the whole picture: your duties, roster and travel, your household’s costs and any policy you already hold. We then compare cover from 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. Fly-in fly-out, drive-in or offshore, we start with the work you do, how you’re paid 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 a payslip showing allowances and overtime, your roster, a statement from each super fund, any employer or agreement cover documents and any policy you hold, and we’ll agree on a sensible next step together.
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Advice for All Stages of Life
From first job to retirement, we help you build wealth, protect it, and live well.
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Executives, senior managers, directors, board members and more.
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Police, firefighters, paramedics, ADF personnel, teachers and more.
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Pre-retirees, transition to retirement, Age Pension, aged care, estate planning and more.
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Any income, any stage, career changers, separation, second opinions and more.
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Whatever’s on your mind, we’re here to help. You’ll speak with an authorised financial adviser who’ll listen first and get to know what matters to you.
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