Life Insurance and Income Protection for Plumbers
Income Protection for Plumbers and Their Families
The plumbing you do, whether you’re employed or subcontracting, and any cover through an employer, an agreement or super all shape your cover. We can help you review any cover in place, compare options and lodge a claim with you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Describe gas, drainage, maintenance or commercial plumbing work accurately on a cover application
- Show plumbing trade and registration allowances, call-out rates and overtime to an insurer when applying for income protection
- Look at what any cover through a plumbing employer or agreement depends on before you change jobs
- Map any cover sitting in super funds opened through past plumbing jobs
- Compare income protection waiting periods against savings and fixed costs such as a van loan
- Read own and any occupation TPD wording with you for a licensed plumber who could estimate, inspect or teach
- Size life and TPD cover around any home loan, van finance or debts owed by a plumbing business
- Explain how a trauma lump sum could help with costs during the weeks an income protection waiting period leaves uncovered
- Review super nominations to eligible people, and any life policy’s beneficiaries, after a new job, fund or family change
- Lodge a claim with you using job sheets and payslips, then follow it up while the insurer decides
Who We Help
- Apprentices in any year of their training
- Licensed plumbers employed under an award or an enterprise agreement
- Maintenance and service plumbers on after-hours and emergency call-outs
- Gasfitters, drainers and roof plumbers working on gas lines, sewers and stormwater
- Fire sprinkler fitters including any on-call work
- Commercial and hydraulic plumbers including mechanical services work on larger sites
- ABN subcontractors supplying plumbing to builders and developers
- Sole traders and owners running a van, a crew or apprentices
- Estimators, supervisors, inspectors and teachers who started out on the tools
What we advise on
How Each Cover Works Around Plumbing Work
Income Protection
Which household costs could still be met if illness or injury stopped the plumbing work your pay relies on?
Income protection can pay part of your income after a waiting period, to help with the household’s regular costs.
We’ll compare income protection with you around how plumbing work is paid, from allowances to call-outs.
Income protection can replace part of your income if illness or injury stops you working, subject to the policy’s terms. The benefit is usually a percentage of your pre-tax income, based on your earnings in the 12 months before the illness or injury. Waiting periods usually run from 14 days to two years, and you generally need to still be unable to work when one ends. Benefits can be paid for a set number of years or to an age.
What we work through with you on income protection:
- Any plumbing trade, industry and registration allowances on a payslip, and whether a given income definition counts each one
- Overtime and after-hours call-out pay earned in the 12 months before an illness or injury, and how a policy treats that pay
- Any van and tool repayments due each month, set against how long you could manage before a benefit begins
- A gasfitting or drainage licence added to your trade, and any extra income it brings, with the cover amount reviewed alongside
- Any cover an employer provides under an agreement, read for what it pays, for how long and what a job change does to it
- Income protection a fund includes by default, read for its benefit period and how that measures up to a personal policy
- Premiums paid personally, from super or by a business, weighed against apprentice pay, a plumbing wage or ABN income
- Coming back to plumbing part-time or on lighter jobs, and any partial benefit a policy pays for that stretch
Life Insurance
Who at home would carry any home loan, van finance or business debts if you were no longer here?
Life cover can pay a lump sum to your beneficiaries, which they could put towards debts, daily costs and shared plans.
We’ll work out an amount with you from any household and business debts, and who relies on your income.
Life insurance can pay a lump sum to your beneficiaries if you pass away, and some policies include a terminal illness benefit. Life insurers usually ask about your age and job when you apply. Where life and TPD cover are sold as a package, your life cover may be reduced by any amount paid on another claim in the package. If no beneficiary is named, your estate or the super trustee may decide where the money goes.
What we work through for life cover:
- A home loan if you have one, plus any finance on the van, tools or equipment, as part of working out a life cover figure
- Death cover left in super accounts from earlier jobs, tracked down and added in before any account is rolled over
- Who receives your super death benefit, from eligible people to your estate, and who a personal life policy pays
- Life and TPD bought as one package, where an earlier TPD claim may shrink what’s left in life cover
- Gasfitting, drainage or roof jobs named when you apply for life cover, as insurers usually ask about occupation
- Cover for a partner, if you share finances, considered beside your own so the household amount adds up
- Co-owners of a plumbing business, and life cover that could fund a buyout under a buy-sell agreement drawn up by a solicitor
- The sum insured revisited when a new home, a first apprentice or your own plumbing business comes along
TPD Insurance
Could your longer-term plans stay on track if you could never work again?
A TPD lump sum can go towards debts and later plans if you can’t work again, as the policy defines it.
Together, we’ll weigh TPD definitions against the skills a plumbing licence reflects.
Each TPD policy has its own test for being unable to work again. An own occupation test asks about your usual job, while an any occupation test asks about any job suited to your education, training or experience. Own occupation cover is usually only available outside super, and TPD cover usually ends at an age set in the policy or the fund’s insurance terms.
What we compare with you for TPD:
- Whether a definition looks at plumbing itself or at any job your training suits, read side by side
- Teaching at a trade school or inspecting for a council, and how an any occupation test may view those options
- TPD wording in super from earlier plumbing jobs, checked against the newer fund before any rollover
- How a fund lists your job after a move to estimating or supervising, corrected by contacting the fund
- Plumbing and gasfitting licences set out in full, so the insurer sees the training a definition may weigh
- A TPD sum weighed against what you owe, such as any home loan or van and tool finance, revisited as balances change
- Income protection paying monthly through time off, and TPD for a permanent change, considered side by side
- Trench, ceiling-space and under-house work set out plainly when you apply for TPD cover
Trauma Insurance
Following a serious diagnosis, how could time away from jobs and customers be paid for?
Trauma cover can pay a lump sum for you to use when a listed condition meets the policy’s definition and isn’t excluded.
We can go through what a trauma policy lists with you, and how it sits beside income protection.
Trauma insurance can pay a lump sum when a critical illness or serious injury on the policy’s list meets its definition and isn’t excluded. Medical definitions can be different between insurers, and trauma insurance doesn’t 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 read with you in a trauma policy:
- How strictly each insurer defines a listed condition, compared side by side before you apply
- Part payments for a less advanced stage, where offered, and what remains of the trauma sum afterwards
- Changes to the van or tools after treatment, if returning to plumbing needs them, which a lump sum could fund
- Van finance and household bills while you wait for any income protection payments to start, which a lump sum could help bridge
- A trauma rider on a life policy, where a trauma payout may lower the life sum remaining
- Booked jobs and customers waiting while you’re in treatment, if you run your own business with no sick leave
- Trauma cover bought while you were an apprentice, if you hold some, weighed up before anything replaces it
- Any exclusions an insurer adds at application, read in the offer before trauma cover is accepted
Cover in Super
Has any cover in your super kept up with the plumbing you do today?
Checking each fund can show what cover you hold there, if any, before anything is moved or closed.
We’ll check the cover in each fund with you and set out any changes in a financial plan, or Statement of Advice.
Most funds provide life and TPD cover from 25, and some include income protection. 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. A new member under 25 or with a low balance usually has to ask for cover, unless the fund gives automatic cover for a dangerous job.
What we look at in your super with you:
- Super from earlier plumbing jobs, with any death, TPD or income protection cover on each account noted
- A first-year apprentice asking the fund to switch insurance on, since it may not begin automatically
- How your fund describes your job, and getting that description fixed with the fund if it no longer fits
- Raising default cover in super as your pay grows, usually through the fund’s own underwriting
- Gaps in a fund’s insurance terms, worth knowing if default cover in super is the only cover you hold
- What the premiums for fund insurance take from your retirement savings over time, set beside what the cover would pay
- Whether any super is paid on a subcontract to a builder under the ATO tests, and which fund’s cover it reaches
- Consolidating super only after the insurance attached to each account has been compared line by line
Gas, Drainage and Call-Out Work
If your plumbing work takes in gas, drainage or call-outs, how could your cover reflect the jobs you do?
Describing the work as it is, from the start, can help your cover fit the plumbing you do.
Together, we’ll describe your plumbing work on any application and check how any policy you hold records it.
The award for the plumbing trade includes an allowance for the employees it covers, recognising conditions such as confined spaces, chokage, wet or dirty work, fumes and ladders. Insurers usually ask about your job when you apply, and at claim time can ask for details of your work duties, including physical requirements, and your weekly hours. If you leave out important details, the insurer may change or cancel your cover or refuse a claim (Moneysmart).
What we set out with you about the work:
- Any gasfitting work set out as it is, including the appliances and installations you work on
- Drainage, sewer connections and any excavation or trench work, with how often each comes up
- Blockage clearing and work inside pits, tanks or other confined spaces, described in plain terms
- Roof plumbing, gutters and stormwater work at height, if your jobs include them
- After-hours call-outs and your usual weekly hours, set against any minimum-hours term in a policy
- Fire sprinkler fitting and any on-call time outside ordinary hours, described for an application
- The split between site work and office time in commercial or hydraulic plumbing roles
- Your work description looked at again whenever the mix of jobs you take on shifts
Employers, Agreements and Your Own Business
Whether you work for an employer, subcontract to builders or run your own jobs, how could your cover keep up with any change?
Seeing what each kind of cover is tied to can help you plan personal cover around any change in how you work.
We’ll map any cover through an employer or agreement with you, and compare personal cover for how you work now.
Some agreements require an employer to provide a level of income protection or accident and sickness cover; ask whether it continues if you leave. Workers compensation is separate, through a state, territory or Commonwealth scheme. A business contracting with you as an individual may have to pay your super if you’re paid mainly for your labour, for your skills rather than for a result, and do the work yourself, but not when it contracts with your company, trust or partnership.
What we look at with you as your work changes:
- Any cover through a plumbing employer or agreement, and the employer’s answer on what happens when you leave
- Any workers compensation through the relevant scheme, which sets who qualifies, beside any personal cover
- A builder’s subcontract in your own name, and whether the three ATO tests mean super is paid on it
- Running jobs through a company or trust, and which entity owns any policy, worked through with your accountant
- Profit and loss statements or tax returns from the business, gathered for an application or a claim
- Fixed business costs such as a van lease or workshop rent, and business expenses cover as a separate policy
- A first apprentice on your books, the wages still owed while you were off, and whether a business expenses policy counts them
- Public liability and tools cover, which sit with a general insurance broker rather than with us
Making a Claim
Should a claim ever be needed, what support could help you through each step of it?
Help with the forms and the follow-up, while the insurer assesses the claim, can make each step easier to manage.
We can lodge a claim with you, gather job and pay records and follow up while the insurer or fund decides.
Moneysmart suggests speaking first to whoever arranged the cover, or your employer for cover through an employment arrangement. An insurer can ask for medical reports, details of your work duties, including physical requirements, and the number of hours you work each week, plus payslips and tax returns, or financial statements if you’re self-employed. 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:
- Where to begin: a fund, a plumbing employer or a policy in your name each has its own claim path
- A plain account of the plumbing you did, from call-outs to confined spaces, for the insurer’s questions on duties
- Payslips showing trade and registration allowances, or business statements if you invoice your own customers
- Your GP’s notes on the weeks you were off the tools on plumbing jobs, which the insurer will ask your permission to obtain
- Business costs while you’re off, claimed under any business expenses policy, with invoices and statements gathered
- Partial benefits on a gradual return to lighter plumbing jobs, and the paperwork each stage needs
- Call-out records and timesheets from before you stopped, used to show the insurer the hours you worked
- Copies of every claim form and insurer letter kept in one place, so each request can be answered in full
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- The plumbing work you do: Insurers usually ask about your job when you apply. Gasfitting, drainage, maintenance and commercial plumbing involve different work, and whether you’re an apprentice or licensed is part of describing yours.
- Your hours and call-outs: Some policies only cover you if you work a minimum number of hours a week. Regular hours and any after-hours call-outs are worth setting out, and worth checking again if your hours drop.
- How you’re paid: Income protection is usually based on your earnings in the 12 months before an illness or injury. Each policy’s income definition decides whether allowances, overtime and call-out pay are counted.
- Confined spaces, roofs and ladders: If your week includes confined spaces, trenches, roofs or ladders, setting out how often each comes up gives the insurer a true picture of the plumbing you do.
- Working for a builder or for yourself: Being employed, subcontracting to builders or running your own jobs changes how your income is shown. For a self-employed claim, an insurer can ask for financial statements.
- Changing employer or agreement: Any cover an employer or agreement provides may not continue when you leave, so where your super goes next and what cover that fund holds are worth knowing.
- Moving off the tools: Estimating, supervising, inspecting or teaching changes your duties, so how any policy or fund records your occupation is worth reading again.
- An injury or lighter duties: If you’re returning after time off or on lighter duties, an insurer may ask about your current hours and duties and any claim under way. Other payments may reduce an income protection 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 Plumbing Work, Worked Through Together
Your Plumbing Work Described
Gas, drainage, call-out and roof work set out as it is on any application.
Allowances and Call-Out Pay Laid Out
Your rate and any trade and registration allowances, overtime and call-outs listed for income protection.
Employer and Agreement Cover Mapped
Any cover through a plumbing employer or agreement, and what it depends on, set out with you.
Insurance in Each Fund Checked
The cover in every super account read before anything is moved or closed.
A Waiting Period Weighed Against Fixed Costs
Savings, any sick leave and van or tool repayments set beside each waiting period option.
TPD Wording Read for a Licensed Plumber
Any TPD definition on offer, own or any occupation, read against plumbing and the other work your experience could suit.
Nominations Reviewed After Each Change
Super nominations to eligible people or your estate, and any policy’s beneficiaries, reviewed after job, fund or family changes.
A Claim Lodged With You
Paperwork gathered and the claim followed up while the insurer assesses it.
Proactive, Holistic, and Experienced Financial Planning
No two weeks of plumbing run the same way, so we start by listening: the jobs you take on, any call-outs, whether you work for an employer, for builders or for your own customers, and what you want your cover to do for the people around you. We explain each type of cover in plain terms, take your questions as they come and move at a pace that suits you. Our recommendations usually come to you in writing, and the decisions are yours.
We also take on the paperwork with you. With your consent, we can ask each fund for its insurance details and gather what an application needs, from payslips or business financials to any summary of cover your employer provides, then follow it up with insurers while they assess it. A partner or family member is welcome at any conversation, and if you ever need to claim, we’ll lodge the claim with you and keep you updated until the insurer decides.
Every financial decision impacts the next
Your Financial Life Is Connected
Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.
Your
Wealth
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
Frequently Asked Questions
Ryker’s financial advisers are licensed to give personal advice under Synchron Advice’s Australian financial services licence (AFSL 243313). We start with you: your plumbing work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Plumbing work can take in confined spaces, gas and drainage jobs, after-hours call-outs or subcontracting to builders, and some plumbers hold cover through an employer’s agreement. Each can shape how an insurer assesses an application and how a policy pays, so your duties, hours and how your pay is made up 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 agreement and the cover itself. Some agreements require an employer to provide a level of income protection or accident and sickness cover, and that cover relies on the employer and the agreement, so it may not continue once you leave. The employer can tell you what applies and whether any of it carries on.
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. Knowing where your super goes and what cover, if any, that fund holds shows what you’d have after the move. We can look at each piece with you and compare personal cover, and the insurer decides on any new cover.
Describe it the way your week actually runs. 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.
On a plumber’s application, that might mean setting out any gasfitting, drainage and sewer connections, blockage clearing in confined spaces or roof work, how often after-hours call-outs come up and the hours you usually work. If you leave out important details, the insurer may change or cancel your cover or refuse a claim (Moneysmart).
We can help you prepare an application that sets out your work as it is, and the insurer decides whether to offer cover and on what terms.
It depends on the policy. Income protection usually bases the benefit on your earnings in the 12 months before an illness or injury, and each policy has its own definition of income. Whether industry, trade or registration allowances, overtime and call-out pay are counted comes down to that definition.
If you run your own jobs, an insurer can ask for financial statements, so up-to-date business records are part of the picture. Pay that steps up with a licence, or dips in a quieter stretch, can change the figure too. We can set out each part of your pay with you against each policy’s wording, and the insurer decides on the amount it offers.
Each policy sets its own test. Own occupation looks at whether you could work in your usual job, while any occupation looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super.
A plumbing licence and years of trade work can suit roles such as estimating, inspecting or teaching, so under an any occupation definition those roles may be part of what an insurer considers. TPD held in super and TPD held outside it can use different wording, so each one is worth reading on its own.
We can go through each definition with you, and the insurer assesses any claim against its own terms.
It depends on what you owe and who would carry it. Life and TPD amounts are often worked out from debts such as any home loan, van or equipment finance and business borrowing, plus what the household would need.
For income protection, the waiting period you choose is worth setting against your savings and the repayments that keep falling due while you can’t work. Business expenses cover is a separate kind of policy for eligible fixed business costs. Questions about the loans themselves go to a mortgage or finance broker, and tax questions to your accountant. We can work through the method with you, and the insurer decides on the cover it offers.
A form works from the questions it asks, and it may give you general information or a quote without looking at your wider situation.
Personal advice starts further back: the plumbing you do and how often, your hours, how your pay is made up, any cover through an employer, an agreement or super, and the costs your household and any business carry. From there, policies from a wide range of insurers can be compared against what you need, and we can help you apply. The insurer still assesses the application and decides on any cover and 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. Apprentices, sole traders and owners with a crew all start the same way: with the plumbing you do, the way your pay comes in and what matters most 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. Bring whatever is easy to find: a recent payslip or your business financials, statements from each super fund and any employer or policy paperwork. From there, we’ll settle on a sensible next step together.
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