Life Insurance and Income Protection for Theatre Technicians and Hospital Orderlies
Income Protection for Theatre Technicians and Hospital Orderlies and Their Families
Physical ward or operating theatre work, any step into anaesthetics, the years ahead and any cover in super each shape your cover. We can help you review any cover held, compare and apply for cover, and lodge claims with you.
Financial Advice for Life Insurance and Income Protection
Who We Help
- Orderlies and wardspersons in a first hospital job
- Patient services assistants covering wards, emergency and imaging departments
- Theatre attendants thinking about training as technicians
- Operating theatre technicians at any level, in public or private theatres
- Anaesthetic technicians including those on a theatre on-call roster
- Technicians in training fitting coursework around paid hours in theatre
- Day surgery staff working through weekday theatre lists
- Orderlies and technicians who’ve worked for more than one hospital
- Long-serving hospital staff in their 50s and 60s and still doing physical work
We Can Help You
- Set out ward or theatre duties, including transfers, bed moves and equipment, accurately on a cover application
- Find out whether any penalties, on-call allowance or recall pay count as income in an income protection policy
- Pick an income protection waiting period that suits any banked sick leave or savings, including on casual pool shifts
- Test a shorter working week in the hospital against the minimum hours an income protection policy may require
- Match income protection benefit periods and the ages cover usually ends to how long you plan to do physical work
- List any cover from each public hospital, private hospital or day surgery job, fund by fund
- Look at any cover again at each step up, from orderly to theatre or anaesthetic technician
- Weigh TPD own and any occupation wording for a move from lifting work to a lighter hospital role
- Look at any insurance before a move between a public hospital, a private hospital or a day surgery
- Prepare claim paperwork that shows your transfers, bed moves and theatre duties, lodged with you
What we advise on
How Each Cover Works Around Ward and Theatre Work
Income Protection
What would keep money coming in during time away from the wards or theatre because of illness or injury?
Income protection can pay part of your income after a waiting period, helping with everyday costs while you’re unable to work.
We’ll compare income protection with you around how your hospital pay is made up and the physical work it involves.
Income protection can pay part of your income while illness or injury stops you working, usually based on what you earned in the 12 months before the illness or injury. Waiting periods can run from 14 days to two years. Most policies offer benefit periods of two or five years, or up to an age such as 65.
What we work through with you on income protection:
- Any weekend or night penalties, on-call allowance and recall pay, measured against how a policy defines earnings
- Trainee rates or a quieter roster during the 12 months income protection usually measures before an illness or injury
- Any personal leave banked, or savings if you work casual pool shifts, matched to how long you’d wait for cover to pay
- Dropping to fewer days a week, and the minimum hours some policies need you to work for cover to apply
- A benefit period to an age such as 65, matched to how long you plan to keep doing physical work
- Income protection your super may already carry, and whether you can pick how soon and how long it pays
- A workers compensation claim after an injury moving a patient, and whether a PDS lets that money lower an income protection benefit
- Premiums out of your super balance or your own pocket, and how a tax deduction might apply, for an accountant to confirm
Life Insurance
Who in your life would need help with the costs your hospital pay meets today, if you were no longer here?
Your beneficiaries could receive a lump sum from life cover, which can go towards debts, everyday costs and plans already made.
Together, we’ll size a life cover amount from any debts, anyone relying on your pay and any cover already in super.
A life policy can pay a lump sum to your beneficiaries if you pass away. Life cover in super usually ends at 70, and outside super you may be able to keep it as long as you keep paying premiums. With no beneficiary named, your estate or the super trustee may decide where the money goes.
What we work through for life cover:
- Debts and everyday household costs added up, so the lump sum reflects what would still need paying
- Any old life insurance left in super from past hospital employers, traced before any accounts are merged
- Each fund you joined through a hospital job, and whether it holds a valid nomination for someone eligible or your estate
- One contract holding both life and TPD, so paying the TPD part may shrink the remaining life sum
- Orderly, wardsperson or technician written down accurately, as life insurers also want to know what you do
- A partner’s separate life insurance, if you share a home, sized together with your own against shared debts
- Life insurance inside super, generally finishing at 70, set beside how long you hope to stay at the hospital
- Life cover sized on the pay you earn today, revisited if a step up or new debts come along
TPD Insurance
Should you never be able to work again, what would you want a lump sum to take care of?
A TPD payout can go towards debts, care and future plans if you’re unable to work again, as the policy defines it.
We’ll weigh TPD definitions with you against the work your hospital training and 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. An own occupation test looks at your usual job, while an any occupation test looks at any job suited to your education, training or experience. TPD cover usually ends at 65, inside or outside super.
What we compare with you for TPD:
- An orderly’s or technician’s usual job as the TPD test, mostly found outside super, beside the broader any occupation test
- A Certificate III, an anaesthetic diploma or time in a theatre team, which TPD wording may count as training or experience
- A move to a lighter hospital role, and how an any occupation test may view the work you could still do
- Any super funds from past hospital jobs, whose disablement wording is worth reading before any of them is closed
- The duties a fund or insurer has recorded for you, compared with theatre work if you step up
- A daily self-care test some policies apply instead of a job test, the hardest TPD definition to claim under
- Life and TPD on a single contract, so any TPD amount paid may come off the life side
- The age TPD usually ends, set beside how many more years of physical work you plan
Trauma Insurance
Which costs would need covering through treatment and weeks away from the hospital after a serious diagnosis?
Trauma cover’s lump sum can help with treatment and time away if a listed condition meets its definition and isn’t excluded.
We’ll read what a trauma policy lists with you, and how it could sit beside income protection.
A trauma policy can pay a lump sum for a listed critical illness or serious injury that meets its definition and isn’t excluded. Medical definitions can be different between insurers, so each list is worth reading in full. 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 medical wording behind every condition named, so it’s clear what evidence a claim must show
- How severe a condition must be before a trauma policy pays, and any reduced amount for milder cases
- During any traineeship, a diagnosis pausing study and shifts, and the costs a lump sum could help with
- A trauma lump sum, generally yours to use as you choose, from specialist fees to everyday bills
- Household costs your hospital pay meets each month, used to size a trauma lump sum
- Weeks of treatment and time off the wards or theatre, set against how many days of any sick leave you hold
- Your partner’s own trauma cover, if you share a household, so a diagnosis for either of you is planned for
- How tax applies to this cover, a point to settle with an accountant for your situation
Cover in Super
How well does any cover in your super fit the work you do now and the years ahead?
Checking each fund’s statement and PDS can show what cover you hold, so you can decide what suits you.
We’ll go over any cover in each fund you hold with you, before anything is combined, changed or closed.
Where you’re eligible, most funds give members life and TPD cover automatically, and some also income protection, for a set amount, usually without medical checks. Premiums come off your super balance, which can matter more close to retirement, and TPD cover in super usually ends at 65. Cover may also stop if you change fund or reach an age limit.
What we look at in your super with you:
- Any cover in funds from earlier hospital jobs, listed together, as a full claim from more than one may not be possible
- A move between hospitals, with the new employer generally paying into the fund you already have
- Trainees and orderlies under 25 or with a low balance, where cover in super may not start until requested
- Any role a fund records for you, updated with the fund if it still says orderly after a move into theatre
- Pre-existing condition terms in each PDS, which can leave some illnesses outside automatic insurance
- Later working years, when premiums taken from your balance can matter more as retirement gets closer
- Any decision to roll hospital super together, made once you know what insurance a closed account would give up
- Asking a fund for a higher sum insured, usually assessed by the insurer like a fresh application
Theatre, Anaesthetics and Each Step Up
Moving into theatre or anaesthetics, what could the step mean for any cover you hold?
Each step up is a good moment to check that any cover matches your new duties, pay and plans.
Together, we’ll look at any cover at each step, from orderly or attendant to theatre or anaesthetic technician.
Orderly, theatre and anaesthetic roles can sit at different classification levels under an award or agreement, and each brings different duties to describe on any application. Income protection usually works from your earnings in the 12 months before an illness or injury, so a trainee stage on different pay can sit inside that window.
What we look at with you at each step:
- Theatre or anaesthetic duties described afresh on any new application after a change of role
- The occupation on record with each fund or insurer, checked at any step up and corrected if it’s out of date
- Pay during any traineeship, which could fall inside the 12 months income protection usually looks at
- Any cover amounts set on earlier pay, looked at again against what you earn now
- Any theatre on-call roster, and whether a policy’s income definition counts the allowance and recall pay
- TPD wording read against the technical skills theatre work builds, for any occupation tests
- A move to another hospital for a trainee place, with super generally paid into your existing fund unless you choose another
- A step back to ward work later on, and any cover looked at again at that point
Physical Work and Your Later Years
How could cover fit any years of patient transfers, bed moves and equipment work still ahead of you?
Planning while you’re still working lets you match cover to the years of physical work you expect.
We’ll look at cover with you around physical hospital work and the ages each type usually ends.
If you claim, an insurer can ask about your duties, including physical requirements, and the hours you work each week. Some policies only cover you if you work a minimum number of hours each week, and age-stepped premiums are based on your age and recalculated at each renewal.
What we plan with you for the years ahead:
- Patient transfers, bed moves, trolleys and equipment, described as they are on any application or claim
- Lighter duties on any lower pay, which could fall inside the 12 months income protection usually looks at
- Part-time hours later in your career, compared with any weekly minimum a policy sets
- A benefit period matched to the age you plan to stop doing physical work
- The ages TPD and life cover usually end, inside and outside super, set against your plans
- Stepped and level premium structures, and how each one is worked out as the years go on
- A fresh application assessed on your age, health and job at the time, with the insurer deciding
- Any cover you hold, read on its own terms before you change or replace that cover
Making a Claim
Should you ever need to claim, who would you like beside you for the forms and follow-up?
Support with the paperwork and the calls can make a claim simpler to manage at a difficult time.
We’ll lodge any claim with you and follow it through while the insurer or fund assesses it.
Moneysmart suggests speaking first to whoever arranged the cover, which for cover through work can be your employer. An insurer can ask for details of your duties, including physical requirements, your weekly hours, payslips and tax returns. The insurer assesses the claim, and a complaint goes to the insurer or super fund first, then to AFCA.
How we help with a claim:
- Hospital HR to ask first if the hospital set up that insurance, with the claim itself sent to the insurer or fund
- Transfers, bed moves and theatre duties set out plainly, with the physical requirements each one involves
- Pay records and income statements setting out base rates and any penalty rates or theatre on-call earnings
- Notes and scans from your treating team, which an insurer may ask your permission to request
- Any position description from the hospital, used to show the insurer the physical duties of your role
- Follow-up calls and emails with the insurer or fund, handled with you while the claim is assessed
- Easing back on reduced shifts or ward-only work, and any part-payment a policy offers during that phase
- Any result you can’t accept, made into a complaint to the insurer or fund first, then to AFCA if still unsettled
Health Conditions & Illnesses
Could a health condition change the cover an insurer offers you?
Our guides explain what insurers may ask about common conditions, and a health condition doesn’t necessarily rule out cover.
We can help you prepare an application when you have a health condition or a past illness.
Underwriting is how an insurer assesses an application and decides whether to offer cover, on what terms and at what price. Possible outcomes include standard terms, a higher premium, an exclusion, a request to apply again later, or a decline.
Guides by health condition:
- Cover with a health condition: where to start
- Autoimmune conditions
- Back or joint conditions
- Blood conditions
- Cancer history
- Diabetes
- Digestive conditions
- Eye or hearing conditions
- Heart conditions
- HIV or hepatitis
- Kidney conditions
- Mental health conditions
- Neurological conditions
- Respiratory or sleep conditions
- Weight, smoking or alcohol history
- Women’s health conditions
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Ward or theatre duties: Insurers usually ask about your job when you apply. An orderly, a theatre technician and an anaesthetic technician do quite different work, so your day-to-day duties are part of describing the job accurately.
- Patients, beds and equipment: Patient transfers, bed moves, trolleys and positioning equipment in theatre are part of the physical requirements an insurer can ask about at claim, so it helps to describe them as they are.
- Rosters and weekly hours: Some policies only cover you if you work a minimum number of hours each week, so how your hours fall across any rosters and part-time weeks is worth setting out.
- Penalties and on-call pay: Whether a policy counts any penalties, an on-call allowance or recall pay is up to its own definition of income. Income protection usually works from what you earned in the 12 months before an illness or injury.
- Public, private or day surgery: A move between hospitals can mean a different award or agreement, and any cover through an employer or agreement may not continue when you leave. Where your super is paid, and what cover that fund holds, if any, are worth knowing before you start.
- A step into theatre or anaesthetics: A new role can leave the duties or occupation a fund or insurer holds for you out of date until you tell them, and a trainee stage on different pay can sit inside the 12 months income protection usually looks at. Training may also be part of how a TPD any occupation definition reads your experience.
- Lighter duties and later years: A move to lighter duties can change your pay and the work you describe. TPD cover usually ends at 65, inside or outside super, and life cover in super usually ends at 70, so these ages are worth setting against how long you plan to do physical work.
- An injury at work or away from it: Workers compensation is separate, through a state, territory or Commonwealth scheme, for employees injured at work or made sick by their work, if eligible. Income protection looks at illness or injury in or out of work on each policy’s terms, and other payments for the same time off may reduce its benefit.
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 Hospital Support Work, Worked Through Together
Your Ward or Theatre Duties Set Out
Transfers, bed moves and theatre work described in full on any cover application.
Penalties and On-Call Pay Set Out for Income Protection
Base pay, any penalties, on-call allowance and recall pay laid out against each policy’s income definition.
Cover Through Each Hospital and Fund Mapped
Any cover through each hospital employer and super fund, listed together in one place.
Cover Looked at Again at Each Step Up
Duties, pay and cover amounts reviewed with you if you move into theatre or anaesthetics.
Cover Ages Set Against Your Working Years
The ages each cover usually ends, and how long income protection could pay, set against your plans.
TPD Definitions Weighed for Hospital Work
Own and any occupation wording read with you against ward, theatre and lighter hospital roles.
Nominations Checked for Eligible People
Super nominations for eligible people or your estate looked at again after a job or family change.
A Claim Lodged With You
Forms, payslips and follow-up worked through with you while the insurer assesses the claim.
Proactive, Holistic, and Experienced Financial Planning
Good advice starts with how your weeks really run. We listen first: the wards or the theatre, any on-call roster, the work you’d like to keep doing and what you want your cover to do. Each type of cover is explained in plain terms, with your questions answered along the way and no rush to decide. You’ll get our recommendations in writing, so you can read them in your own time, away from the hospital.
We take on the paperwork with you too. With your consent, we can gather payslips, fund statements, PDSs and any employer cover documents, then follow up with funds and insurers so you’re not left chasing them. A partner or family member is welcome to join our conversations, in person or on a call at a time that suits you. Should you ever need to claim, we’ll prepare and lodge the claim with you, then keep you posted 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.
Learn more about Financial Planning and Advice for Theatre Technicians and Hospital Orderlies
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 hospital work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Your work can mean moving patients, beds and equipment, pay that can include penalties and any on-call or recall pay, a step up into theatre or anaesthetics, and physical work as the years go on. Each can affect how an insurer assesses an application and how a policy pays, so we look at each one with you.
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 any cover you hold and how your role changes. A new role brings new duties, so any new application describes them afresh, and the occupation a fund or insurer has on record is worth checking. Income protection usually works from your earnings in the 12 months before an illness or injury, so a trainee stage on different pay can sit inside that window, and cover amounts set on earlier pay may be worth a fresh look.
Theatre work can also bring an on-call roster, and whether a policy counts any on-call allowance or recall pay is set by its income definition. We can look at each point with you, and the insurer decides on any application.
It depends on the type of cover, where it’s held and each policy’s terms. Most income protection policies offer benefit periods of two or five years, or up to a specific age such as 65. TPD cover usually ends at 65, inside or outside super. Life cover in super usually ends at 70. Outside super, you may be able to keep life cover for as long as you keep paying premiums. Cover in super may also stop if you change fund or reach an age limit.
If you expect to keep doing physical work into your 60s, these ages are worth setting against your plans. We can read each fund’s and policy’s terms with you, and the insurer decides on any new application.
It depends on the definition. An own occupation definition looks at whether you can do your usual job, and is usually only available outside super. An any occupation definition looks at any job suited to your education, training or experience, so a lighter hospital role your training could suit may be part of what the insurer considers. Some policies use an activities of daily living test instead, which has the highest threshold to claim.
The wording in each policy decides how its test applies, and the insurer assesses every claim on the facts. We can go through each fund’s and policy’s definitions with you before you compare options.
Start with who will employ you and what cover, if any, comes with the job. A different employer can mean a different award or agreement, and any cover through an employer or agreement may not continue when you leave. 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.
If you hold cover in more than one fund, premiums may come out of each, and you may not be able to claim the full benefit from more than one. Your duties may change too, so they’re worth describing accurately on any application. We can look at any cover you hold with you before the move.
It depends on the policy and how far your hours and pay change. Some policies only cover you if you work a minimum number of hours each week, and income protection usually works from your earnings in the 12 months before an illness or injury, so lower part-time pay could sit inside that window. Premiums for cover in super come off your balance, which can matter more close to retirement.
It’s also worth matching any benefit period to how long you plan to keep working. We can read these terms with you before any change to your hours, and the insurer decides on any new application.
Quote tools run on the details typed in, which makes them fast, but they may not show how a hospital payslip with any penalties, on-call allowances and recalls lines up against each policy’s wording, or what insurance sits in any funds from past hospital jobs.
Advice looks at transfers and bed moves, theatre duties, any step into anaesthetics and the ages TPD and life cover usually end. We weigh up options from a wide range of insurers with you, and the insurer makes the decision on any application.
Your accountant and financial adviser bring different expertise to the same decisions. Your accountant can advise on tax reporting, structures and consequences; we help you plan how cashflow, debt, super, investments and protection work towards your goals. We can coordinate before important decisions.
What an accountant does
- Prepares and lodges tax returns, BAS and financial statements
- Advises on tax structures such as companies, trusts and partnerships
- Manages bookkeeping, payroll and ATO compliance
- Provides tax advice on the consequences of a transaction
What a financial adviser does
- Sets a long term strategy across retirement, investing and cash flow
- Builds wealth from early in a working life, starting with cash flow, a first home and super
- Recommends specific super funds, investments and personal insurance
- Operates under an Australian Financial Services Licence, which is required to give personal advice on financial products
- Handles retirement planning, Centrelink and aged care strategy, and estate planning considerations
Professional roles and authorisations matter. We provide financial advice within our authorisations and work with your accountant for specialist tax advice and lodgements.
Where they work together
- Tax position. Your accountant confirms your marginal rate, deductions and carried forward losses, which shapes decisions on super contributions, investment structures and the timing of asset sales.
- Business and entity structures. Your accountant advises on the structure itself and your financial adviser works within it for investments, insurance and succession planning.
- Cash flow. Your accountant’s figures can help us understand what’s available for debt repayment, protection and longer-term goals.
- Before key decisions. We can coordinate with your accountant on contributions, asset sales and other material choices in time to consider relevant tax consequences.
Yes. Ward or theatre, first hospital job or years of lifting behind you, we begin with the work you do, how your pay is built 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. Bring along a couple of recent payslips, including any showing penalties, on-call or recall pay, a statement from each fund, and the duty list for your role if the hospital gave you one. We’ll then agree the next steps with you.
Reviews
Testimonials from Our Clients
Client Success Stories
A Property Sale Became a Full PlanEstimated long term financial benefitApprox $448,000
A Plan to Keep the Family HomeLife cover established$1.2 Million
Cover in Place and Fees LoweredImmediate value$1,055 a year
Super Fees More than HalvedProjected retirement uplift$416k
Income Covered for a New MortgageImmediate value$975 a year
A 13-Year Mortgage Paydown PlanPlanned mortgage paydown13 years
A First Home and Family CoveredImmediate value$1,346 a year
Age Pension Kept After an InheritanceProjected uplift at 90More than $642,000
Grow & Protect Your Wealth Today
Whatever’s on your mind, we’re here to help. You’ll speak with an authorised financial adviser who’ll listen first and get to know what matters to you.
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