Life Insurance and Income Protection for Paramedics
Income Protection for Paramedics and Their Families
Your duties, how your pay is made up and any cover through your service or super change what personal cover would do for you. We help you compare cover, check any cover you hold and lodge a claim with you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Describe stretcher work, scene duties and roster length on a cover application in plain terms
- Compare personal cover with any death and income benefits your employer or service offers
- Work out how a service top-up and a personal policy each treat other income before an amount is chosen
- Work out which parts of roster pay, from loadings to on-call and recall, a policy’s income definition counts
- Choose an income protection waiting period with any sick leave, savings and service cover in view
- Weigh any occupation TPD wording for roles beyond your usual paramedic work, and whether a policy offers own occupation at all
- Read any union or association income protection for its waiting period, benefit period and exclusions
- Review cover before a transfer, a move interstate or a role off the road
- Keep beneficiary nominations current through moves between super funds and services
- Lodge a claim with you on any service, fund or personal cover, and keep in contact with the insurer
Who We Help
- Graduate and intern paramedics reading a first cover summary
- Road paramedics working long rotating shifts
- Intensive and extended care paramedics taking on wider clinical duties
- Aeromedical and rescue paramedics including special operations roles
- Rural and on-call station paramedics with on-call weeks in the roster
- Control centre paramedics working in clinical triage and dispatch
- Patient transport and event paramedics employed outside the public system
- Industrial and mine site paramedics on remote or fly-in rosters
- Educators and managers moving from the road into teaching or leadership
What we advise on
How Each Cover Works Around Road Work
Income Protection
Where would everyday bills be paid from if illness or injury kept you off shift for months?
Paid after a waiting period, income protection can replace part of your income, helping the household meet everyday bills.
Together, we’ll compare income protection around how your pay is made up and the duties of your paramedic work.
Income protection usually replaces a percentage of your pre-tax income if illness or injury stops you working, after a waiting period and subject to the policy’s definitions. The benefit is usually based on your earnings in the 12 months before the illness or injury. Most policies offer waiting periods from 14 days to 2 years, and a benefit can be paid for a set period, such as 2 or 5 years, or to an age.
What we compare with you for income protection:
- Any weeks of paid leave you could draw on, and the waiting period that would begin income protection after them
- Any service cover’s own waiting periods, which can differ for on-duty and off-duty injury, set beside the waiting period a policy offers
- The benefit periods a policy offers for paramedic work, weighed against any service arrangement that stops paying after a set time
- A graduated return to road shifts or time on alternative duties, and any part payment a policy makes during it
- A minimum weekly hours clause, reviewed before swapping a full roster for casual pool work
- How a policy’s disability definition reads for a psychological illness or injury as well as a physical one
- Any default income protection in a super fund, set beside any service arrangement so you can see both
- A shoulder or back strain from patient handling, and how long a chosen benefit period could keep paying
Life Insurance
Could the people who rely on you keep their plans on track if you were no longer here?
Your beneficiaries could receive a lump sum, helping your loved ones with debts, daily costs and the plans you share.
Together, we’ll size life cover from any debts, who relies on your income and any death cover you already hold.
A life policy 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 your job when you apply, so your paramedic duties are part of the application. Without a beneficiary named, the payment may go to your estate, or the super trustee may decide who receives it.
What we work through for life cover:
- Any lump-sum death benefit through your service, and the points where that benefit may end, such as leaving or reaching an age
- Death cover sitting in super accounts from earlier services or private work, totalled before anything is consolidated
- An older closed scheme’s death cover, if you belong to one, set beside any current service benefit
- Who each fund would pay a death benefit to, and whether any nomination on file would bind the trustee
- A life policy in your own name, not your employer’s, which stays with you across a transfer, subject to its terms
- Death cover any partner already holds, counted when working out what your own policy needs to provide
- A terminal illness payment of your life cover, where offered, and the medical certification an insurer looks for first
- Cover sized again if you move service, take on a mortgage or step into the control centre
TPD Insurance
Should you never be able to work again, what would carry your plans forward?
A TPD lump sum, paid if you can’t work again as the policy defines it, can go towards debts and future plans.
We can read the TPD definitions a policy offers with you against the paramedic work you do now.
A TPD policy can pay a lump sum if illness or injury leaves you unable to work again, as the policy defines it. Own occupation looks at your usual job, while any occupation looks at any job suited to your education, training or experience. Own occupation TPD is usually only available outside super, and which definitions a policy offers can depend on your occupation.
What we compare with you for TPD:
- Dispatch, teaching or clinical-support work a paramedic could move into, and how any occupation wording views that work
- Road paramedic duties as the measure of an own occupation test, if any insurer offers one for the role outside super
- Any TPD definition in your fund, read before you change funds after a move between services
- Any service arrangement without a lump sum for permanent disablement, and the TPD cover you could hold beside it
- Stretcher lifts, patient carries and kneeling at a scene, set out plainly for a TPD application
- A combined life and TPD policy, read for any reduction to death cover after a TPD payment
- Income protection and TPD held side by side, with the role each benefit plays in a long absence from work set out
- Your accountant’s view on how a TPD benefit paid from super would be taxed, sought before you plan around it
Trauma Insurance
If treatment for a serious illness took you away from work, what could help with the costs?
Trauma cover can pay a lump sum for a listed condition the policy covers, which could go towards costs and time off.
We’ll show you the conditions a trauma policy lists, how each is defined and how a lump sum sits beside income protection.
A trauma policy can pay a lump sum when you’re diagnosed with a listed condition that meets the policy’s definition and isn’t excluded. Medical definitions can be different between insurers, and trauma insurance does not cover mental health conditions. New trauma cover can’t be held inside super, which has been the rule for policies written since 1 July 2014.
What we work through with you for trauma cover:
- The conditions a trauma policy names, and how strictly each one is defined compared with another insurer’s list
- Severity levels on a trauma policy, and whether partial payments are offered below full severity
- Travel from a regional station for treatment, and weeks off the road, as costs a trauma lump sum can go towards
- A trauma amount set against the shifts a recovery could take you off the road, alongside any service cover
- Premiums for a new trauma policy, which must come from outside super, fitted around a budget built on shift pay
- A trauma policy taken out years ago, kept in view until a newer policy’s wording has been weighed against it
- Trauma cover reviewed if you move from road work into the control centre or education, to check the amount still fits
- How a lump sum paid on diagnosis is treated at tax time, with your accountant’s view on your own return
Cover in Super
How well does any cover in your super fit the paramedic work you do today?
Checking each fund’s insurance before changing anything can show what you hold and how it fits your work.
We’ll start with any cover in each super account 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. New members under 25 or with low balances usually need to ask for cover, unless their fund gives automatic cover for a dangerous job.
What we look at in your super with you:
- Insurance left in a fund from your first service, another state or private work, found before anything is rolled over
- Unpaid leave or study, and what any cover in your fund would pay while you’re not earning
- Cover requested by a graduate paramedic under 25, rather than waiting for cover that may not start automatically
- A job title from years ago still sitting on a fund’s file, and asking the fund to update it
- Pre-existing condition clauses on cover issued without medical questions, and how any past injury may be treated
- Any income protection in your fund, and whether a service benefit or other income would reduce its payments, asked of the fund
- Insurance fees taken from each account, compared with the amount of cover those fees buy
- Consolidating funds after a transfer, only once each account’s insurance has been compared
Cover Through Your Service
Alongside any cover your service provides, what could a policy of your own add?
Knowing what each benefit pays, and how each treats other income, can show what a policy of your own would add.
Together, we’ll set any cover through your service beside personal cover you could own, and compare the two.
Where a service provides income protection, some arrangements top up other income to a share of a defined salary, with waiting periods that can differ for on-duty and off-duty injury and a maximum benefit period. Some personal policies can also reduce their benefit by other payments, depending on their terms, so reading both together can show how each would treat the other. Payroll or the arrangement’s own documents can confirm its terms.
What we read with you beside any service cover:
- What a service top-up treats as other income, and whether a personal policy’s payments are included
- A personal policy’s own terms on other payments, read before an insured amount is chosen
- The salary a service arrangement insures, which can be a defined figure with a set loading rather than the penalties you work
- Longer waiting periods some arrangements set for on-duty injury, where workers compensation may apply first
- The point a maximum benefit period ends, and what a personal policy could pay after that point
- Benefits that some arrangements keep paying if employment ends during a claim, where their terms say so
- Staff an arrangement excludes, such as casual or temporary employees, and the age at which its cover stops
- Income protection offered through a union or association membership, read for its waiting period, exclusions and other-income rules
Shift Pay and Your Income Figure
When nights, weekends or on-call work lift your pay, how could any cover keep pace?
Reviewing any cover as your pay changes can help keep the insured income closer to what you earn.
We’ll explain the parts of your pay a policy may count, then set them against each policy’s definition of income.
Income protection is usually based on your earnings in the 12 months before the illness or injury. Whether shift loadings, penalty rates, overtime, on-call allowances and recall pay count towards that figure depends on how the policy defines income. Some policies also let employees include parts of a salary package, so any packaging is worth setting out too.
What we set out with you from your pay:
- Shift loadings that change with your start time, set out from recent payslips for an application
- Weekend and public holiday rates, and how often they appear across a full roster cycle
- Overtime from late finishes and holdovers on a job, shown as a pattern across the year rather than one week
- On-call allowances and recall payments, and how a policy’s income definition treats each one
- Rural, remote or station allowances that may stop after a transfer, and the effect on your insured income
- Salary packaging and how a policy treats the packaged part of your pay, with your accountant on the tax side
- A year with fewer shifts from part-time hours, leave or study, falling inside the 12 months a policy usually looks at
- Payslips and income statements kept on hand for an application now or a claim later
Making a Claim
If you ever need to claim, who could walk through the paperwork with you?
Having a financial adviser lodge the claim with you and follow up the insurer can lighten the paperwork along the way.
We can lodge a claim with you, then follow it up while the insurer assesses it.
If you arranged cover through an insurance broker or financial adviser, Moneysmart suggests speaking to them first. An insurer can ask for medical reports, details of your work duties, including physical requirements, and the hours you work each week, along with payslips. The insurer assesses the claim, and a complaint goes first to the insurer or, for cover in super, the fund, then to AFCA if it isn’t resolved.
How we help with a claim:
- Possible sources of a payment listed first: any service arrangement, each fund and any policy we arranged
- Your duties, lifting and shift length before you stopped work, set out for the insurer
- Payslips showing penalties, on-call and recall pay, so the insurer sees how your earnings were made up
- Specialist letters and clinical notes about your condition, which an insurer asks your consent to collect
- Your income protection or TPD claim lodged with you, while any workers compensation is handled by the scheme on its own terms
- A part payment, where a policy offers one, while you work alternative duties, with updated hours and earnings sent through each period
- Ongoing claim paperwork through a long absence from the road, completed with you each time the insurer asks for an update
- Any membership income protection, claimed through its provider under its own terms, alongside any policy we arranged
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your duties and clinical level: Insurers usually ask about your job when you apply. Road, intensive care, aeromedical, rescue and control centre work can involve quite different days, so your clinical level and day-to-day duties are part of describing your work accurately.
- Your roster and hours: Long rotating shifts, nights and on-call weeks can all be part of a paramedic roster. Some policies only cover you if you work a minimum number of hours each week, which is worth checking before any move to part-time hours.
- How you’re paid: Income protection is usually based on your earnings in the 12 months before an illness or injury. The policy’s definition of income decides how shift loadings, overtime, on-call and recall pay are treated, and any salary packaging is worth setting out too.
- Physical and psychological demands: Patient handling, lifting and the psychological side of the work can all come into an application. Income protection and TPD look at whether an illness or injury, physical or psychological, stops you working as the policy defines it, and trauma insurance does not cover mental health conditions.
- Your registration: Professional indemnity insurance is a registration requirement and is civil liability cover, a different thing from cover for your own income. If your registration changes, such as to non-practising, how a policy records your occupation is worth reading.
- Cover through your service: Any arrangement through your service has its own definition of salary, its own waiting and benefit periods and its own end point, and some count other income. Reading it beside any cover you own can show how the two would work together.
- A transfer or a new employer: Another service or state, or private, event or industrial work, can mean different employer cover, if any. 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.
- Time off or alternative duties: A graduated return or a stretch on alternative duties changes your hours and tasks. An insurer considering an application may ask about both, and about any workers compensation claim under way, which the scheme handles.
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 Paramedic Work, Worked Through Together
Paramedic Duties Described in Full
Patient handling, your clinical level and weekly hours set out accurately on any application.
Service Cover Read Beside Personal Cover
Any income protection and death cover through your service read alongside cover you could own.
Each Income Benefit’s Rules Mapped
How any service top-up and a personal policy each treat other income, set out before an amount is chosen.
Loadings, On-Call and Recall Pay Listed
Your pay mix set out against each policy’s definition of income.
Cover Checked Before a Transfer
Any service, super and personal cover looked at before any change of service, state or employer.
TPD Definitions Compared
Each TPD definition read against your usual paramedic work and the other roles your training could suit.
Cover in Each Fund Listed
Any cover in each of your super accounts, listed before any accounts are combined.
Claim Paperwork Shared With You
Your claim lodged with you, the paperwork gathered together and the insurer followed up as it assesses.
Proactive, Holistic, and Experienced Financial Planning
Every conversation starts with how your working weeks run. We listen first: to the work you do, how your pay is made up and what you want your cover to do. Then we explain each type of cover plainly, answer questions as they come and move at the pace you set. If a term in a policy or a service document is unclear, we go back over it with you. Our recommendations usually come to you in writing, and the decisions stay with you.
The paperwork is shared between us. With your consent, we can request insurance details from any fund that holds cover for you, help you get any cover summary your service provides, gather what an application needs and follow up insurers while they assess it. You’re welcome to bring a partner or family member into any of our conversations. Should you need to claim, we’ll lodge it with you, follow it up and keep you informed until the insurer reaches 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 paramedic work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Working as a paramedic can mean long rotating shifts, pay that moves with nights, weekends and on-call, patient handling and psychological demands, and any cover through your service. Each can affect how an insurer assesses an application and how a policy pays, so your duties, hours, pay and any cover you hold are part of what we look at.
With a financial adviser, you also have:
- Access to a wide range of insurers, who can assess the same health details differently
- Help preparing your application and answering the health questions with care
- Advice on whether to hold cover inside or outside super, and the trade-offs
- Reviews as your health, family and work change
- Someone in your corner if you ever need to claim
Going directly to an insurer can mean no separate advice fee, but you’ll only see that insurer’s policies, and you’ll generally receive general advice only, which doesn’t consider your personal circumstances.
Going through an online comparison site or broker, you may see more options side by side, but they also generally provide general advice only, which doesn’t consider your whole financial picture.
When we give you personal advice, the law requires us to act in your best interests, which we take personally. The insurer still decides whether to offer cover and on what terms.
We’re invested in your long-term success. What we do is personal, and we take it personally.
Your financial decisions connect, so we consider the parts of your financial life that are relevant to the advice you need:
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
This is how we help you make decisions today with your longer-term goals in view.
Everybody’s situation is different, so we listen first, understand what matters to you and explain your options clearly before we make a recommendation.
It depends on the terms of both. Where a service provides income protection, some arrangements top up other income to a share of a defined salary, so a payment from a personal policy may be counted as other income. Some personal policies can also reduce their benefit by other payments, depending on their terms.
Where either benefit has rules on other income, holding both may not simply add the two amounts together. Payroll or the arrangement’s documents can confirm its terms, and a personal policy’s wording sets out its own. We can read both with you before an amount is chosen, and the insurer decides on any cover it offers.
It depends on how the policy defines income. Income protection is usually based on your earnings in the 12 months before the illness or injury, and each policy’s definition of income decides whether on-call allowances, recall payments, shift loadings and overtime are included.
Any income protection through your service may work from a defined salary instead, which can include a set loading rather than the penalties and allowances you actually work. As either figure can differ from your payslip, recent payslips and income statements are worth gathering. We can set your pay out against each definition with you.
Income protection and TPD look at whether an illness or injury, physical or psychological, stops you working as the policy defines it, and each policy’s definitions and terms shape how a claim is assessed. Trauma insurance does not cover mental health conditions.
Workers compensation is separate, through a state, territory or Commonwealth scheme. Only a workers compensation claim runs through that scheme; an income protection or TPD claim on your own or your fund’s cover is assessed by the insurer.
If you’re applying with a mental health history, we can talk through with you how insurers assess an application. Free, confidential support is available from Beyond Blue on 1300 22 4636 and Lifeline on 13 11 14.
Professional indemnity insurance does a different job. It’s a registration requirement for practising paramedics and must include civil liability cover, which deals with claims made against you about your practice rather than replacing your income.
If your employer provides your indemnity cover, it may only cover activities you carry out as part of your duties in that employment, so event or volunteer work outside it can need its own arrangements. Student and non-practising registration are outside the requirement. Cover for your own income, such as income protection, is separate, and we can look at it with you alongside any cover through your service or super.
It depends on the TPD definition. Own occupation cover looks at whether you can work in your usual occupation, while any occupation cover looks at any job suited to your education, training or experience, and paramedic training can suit control centre, education or clinical-support roles. Own occupation cover is usually only available outside super, and whether it’s offered can depend on the insurer and your occupation.
How your occupation is described in the policy, and the evidence the insurer asks for, also matter. The insurer assesses each claim against the policy’s own wording. We can read the definitions in any TPD cover you hold with you, and compare others before anything changes.
Each layer can change in its own way. Any income protection or death cover through your service may differ at a new service, or may not continue, depending on that arrangement’s terms. 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.
Cover you already hold was issued on its own terms, and the policy wording sets when they can change, so it’s worth reading before you change or replace it. We can look at each layer with you before the move, so you can decide what to keep.
Membership income protection can be quick to take up, and some offers don’t ask medical questions. It’s worth reading for its waiting and benefit periods, exclusions, any pre-existing condition terms and how it treats other income, including any cover through your service.
Personal advice starts from your duties, hours, pay and any cover in super or through your service, then compares policies from a wide range of insurers. We can look at any membership cover with you alongside the rest of your cover, and the insurer decides whether to offer cover and on what 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. Wherever you are in your paramedic career, we start with the work you do, how your pay is made up and what you’d like protected.
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. Recent payslips showing any penalties and on-call pay, any cover summary from your service, your super statements and any policy or membership cover documents are useful to have on hand. Medical records aren’t needed for the initial conversation, and together we’ll agree on a practical next step.
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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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