Life Insurance and Income Protection for Power Station Workers
Income Protection for Power Station Workers and Their Families
Any shift penalties or station allowance, sick leave, cover through work and super, and any move or closure year can shape cover. We can help you size cover to station pay, check any cover held and lodge claims with you.
Financial Advice for Life Insurance and Income Protection
Who We Help
- Trainees and newer starters on their first continuous roster
- Unit and control room operators on shift rosters, including any 12-hour shifts
- Mechanical and electrical maintenance crews on day work or shift rosters
- Engineers, chemists and lab staff testing and improving how station plant runs
- Office, stores and workshop staff based on the station site
- Brown coal mine crews mining and conveying coal to a station
- Outage contractors employed through a labour hire firm
- Long-serving staff with a defined benefit fund or a closure year in view
- People retraining for renewables such as wind farms, solar farms or battery sites
We Can Help You
- Set out your station duties, from the control room to the workshop, accurately on a cover application
- Set shift penalties and any power station allowance against each policy’s wording on what counts as income
- Choose an income protection waiting period knowing sick leave isn’t paid out when a station job ends
- Ask how changing employer would change any cover through your employer, an agreement or a fund
- Check a defined benefit fund’s insurance and benefits with the fund before any rollover
- Set the insurance in every fund you hold side by side before any accounts are rolled together
- Look at cover for both of you if you and a partner work at the same station
- Review your cover before a role at newer plant or a move to day work
- Weigh TPD definitions against your training and any plant experience you build at the station
- Gather roster hours, payslips and duties for a personal claim and lodge it with you, while any workers compensation runs through its scheme
What we advise on
How Each Cover Works Around Power Station Work
Income Protection
Once any sick leave was used up, how would the household budget hold up if illness or injury kept you off the job?
Part of your income can be paid by income protection after a waiting period, giving the household budget some support.
We’ll compare income protection with you around how station pay is built and the leave that stays with the job.
Income protection can pay part of your income if illness or injury stops you working, usually based on your earnings in the 12 months before the illness or injury. Each policy defines income and disability its own way. Waiting periods can run from 14 days to 2 years, you must be unable to work at the end of one to be paid, and benefits can run for a set number of years or to an age.
What we work through with you on income protection:
- Afternoon, night and permanent night penalties plus any power station allowance, each one held up to a policy’s income wording
- Hours across a continuous roster, including any 12-hour shifts, set beside any minimum weekly hours a policy requires
- Any banked sick leave as the bridge to a chosen waiting period, remembering an employer doesn’t pay that balance out on leaving
- Sick leave in any new job, which may start from nothing unless a new owner recognises your service on a transfer of business
- Day-work pay after a move off shift work, and how a smaller figure may feed the income a benefit usually draws on
- Employer-paid income protection through your fund, if an employer provides it, read for its periods and for what happens on leaving
- A benefit period of two years, five years or to an age, matched to the plans you hold for life after the station
- Higher duties pay, call-ins and overtime, and whether a policy’s insured earnings include each one
Life Insurance
Without your station pay, how would anyone who relies on you keep their plans on track if you were no longer here?
Life cover can pay a lump sum to your beneficiaries for debts, household costs and plans already in motion.
Together, we’ll size a life cover amount from any debts, anyone relying on your income and any cover already held.
A life policy can pay a lump sum to your beneficiaries if you pass away, and some include a terminal illness benefit. Insurers usually ask about your age and your job when you apply. If you haven’t named a beneficiary, your estate or the super trustee may decide where the money goes, and life cover in a package may be reduced by any amount paid on other claims in the package. Life cover in super usually ends at 70.
What we work through for life cover:
- Any mortgage, caravan, boat or car finance and card balances, tallied as one part of setting a sum insured
- Whatever any defined benefit fund you belong to would pay on death, asked before a life cover figure is set
- Nomination forms on file at any super account from station, mine or contract work, listing eligible people or your estate
- Two station incomes in one household, if you have a partner working there too, with each life policy sized around the other
- Life and TPD written into one contract, so an earlier disablement payment may reduce what remains payable on passing
- Super-held life cover usually stopping at 70, compared with how many years any mortgage or household commitments may still run
- Debts cleared by any package or payout, with the life cover figure revisited once the balance owing changes
- Terminal illness payouts where a contract includes them, along with the prognosis paperwork from specialists an insurer may request
TPD Insurance
Looking years ahead, what would your long-term plans rest on if you could never work again?
A TPD payout can go towards debts and long-term plans if you’re never able to work again, as the policy defines it.
We’ll read TPD definitions with you against the experience a station career builds.
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 definition looks at your usual job; an any occupation definition looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, TPD cover in super usually ends at 65, and a TPD payout may reduce any life cover packaged with it.
What we compare with you for TPD:
- Whether own occupation wording is available for station operating or maintenance roles, set beside broader any occupation wording
- Any permits, plant knowledge and shift supervision built up at the station, weighed under a wider any occupation test
- Disablement definitions in any old mine or contractor super account, compared line by line before any merge into another
- Any disablement benefit a defined benefit fund provides, with its terms asked of the fund
- The job title on a fund’s records if you leave shift work for a day role, and whether it needs updating
- TPD in super usually ending at 65, set against the years you expect to keep working
- TPD and life sold as one contract, and whether a disablement payment would reduce what’s left for anyone you’ve nominated
- A lump sum figure for TPD set against any mortgage, regular costs and plans that rely on a working income
Trauma Insurance
Between treatment and weeks away from the station after a serious diagnosis, what could help with the costs?
Trauma cover can pay a lump sum for treatment when a listed condition meets the policy’s definition and isn’t excluded.
We’ll go over what a trauma policy lists with you, and how a lump sum sits beside income protection.
Trauma cover can pay a lump sum for a listed critical illness or serious injury that meets the policy’s definition and isn’t excluded, and medical definitions can be different between insurers. Trauma cover packaged with life may reduce the life cover. 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:
- Listed trauma conditions and the medical definition each must meet, compared across insurers before an application
- A trauma payment after a listed diagnosis beside income protection’s waiting period, so each cover fills a different gap
- Treatment and household costs once any sick leave balance from the station is used up
- Any new trauma application made outside super, funded by household money instead
- Any trauma cover still in super from before July 2014, with the wording it was issued on checked prior to any change
- Trauma attached to life insurance, and the smaller life sum that may follow once trauma is paid out
- Travel and accommodation for treatment in a city, if the station is far from where specialists are
- An accountant’s read on how tax treats a trauma payout, before that lump sum is spent
Cover in Super
Does each super account you hold, including any defined benefit fund, carry cover that still fits the years ahead?
Statements and PDSs from each fund can show any cover you hold, which helps you weigh what suits your work now.
We’ll check the cover in each fund with you, and what any defined benefit fund provides, before anything changes.
Default cover inside super can usually be issued without medical checks, though it may carry pre-existing condition rules set out in the fund’s PDS, and increasing it is usually underwritten like any other application. Premiums come off your balance, which can matter more close to retirement. Some defined benefit funds offer benefits you may lose if you leave, and you generally can’t rejoin.
What we look at in your super with you:
- Any accounts opened by a station employer, an outage contractor or a coal mine job, each with its insurance listed
- Questions for a defined benefit fund about its insurance and what leaving could mean for your benefits, put before any rollover
- Two or more accounts holding TPD, since a claim may not pay the full benefit from more than one
- Moneysmart’s caution about changing funds over 60 or with a pre-existing medical condition, read before any account is closed
- Insurance premiums drawn from savings meant for life after the station, set against what that insurance would pay
- Your recorded occupation at each fund, with the fund told if operator, maintainer or lab work is listed wrongly
- Any income protection in a fund, and whether its waiting period suits a sick leave balance that stays with the station
- A higher sum insured than the fund’s default, which the insurer generally assesses against your health first
Your Station Job and Its Cover
What stands behind you today through the station job, and how long would each part last?
Seeing which supports are yours and which stay with the job can show where cover of your own could fit.
We’ll map what comes with your station job alongside you, then compare personal cover for any gaps.
For permanent employees, paid sick leave builds up and carries over each year, but it isn’t paid out when employment ends. Any cover through your employer, an agreement or a fund is worth asking about, including how changing employer would change 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.
What we map with you:
- Sick leave as a buffer through a waiting period, for as long as the station job lasts
- Any income protection an employer pays for through your fund, with its terms read, including what happens on leaving
- Any insurance an enterprise agreement provides, confirmed in writing with your employer
- Any defined benefit fund benefits you may lose if you leave, confirmed with the fund first
- Workers compensation for a work injury or illness, if eligible, set beside cover of your own
- Labour hire work on site, where the labour hire employer, not the station, pays you and provides entitlements
- A partner employed at the same station, if you have one, with both sets of work cover listed together
- Personal policies in your own name, owned by you whichever employer you work for next
A Closure Year, New Plant or a Day Job
Moving to newer plant, a day job or a new employer, how might cover keep step with the change?
Reviewing cover before the change can show what carries over and what’s worth adding.
We’ll look at your cover with you before a move, a retrain or any expected closure year.
The Australian Energy Market Operator keeps a register showing when most power stations are expected to close. Income protection is designed to pay part of your lost income if you’re unable to work due to illness or injury. Insurers usually ask about your age, job and income when you apply, so new duties and a change in pay can both shape an application.
What we look at with you before a change:
- Any closure year on the AEMO register for your station, used as a point to review cover before it arrives
- Job loss set apart from illness or injury, the event income protection is designed to pay for
- New duties at a wind, solar, battery, gas or hydro site, described as they are on any application
- Retraining or a gap in pay, and how either could sit inside the 12 months income protection usually looks at
- A day job without shift penalties, and the income figure a later income protection benefit could be based on
- Super contributions from a new employer, which generally go to your existing fund unless you choose another
- A redundancy or retention package that changes your debts, with life and TPD amounts looked at again
- Minimum weekly hours in a policy, checked against the hours in a new role or a part-time step down
Making a Claim
Alongside everything else going on, who could take on the forms and phone calls of a claim with you?
Someone gathering the papers and chasing updates with you can make a claim easier to manage.
We’ll lodge a claim alongside you, then follow it up while the insurer or fund assesses it.
Moneysmart suggests contacting whoever you arranged the cover through first: the fund, the insurer, a financial adviser or, for cover through an employment arrangement, your employer. An insurer can ask for details of your work duties, including physical requirements and the hours you work each week, along with payslips and tax returns. The insurer or fund assesses the claim, and a complaint goes first to the insurer or super fund, then to AFCA.
How we help with a claim:
- The right first contact, traced from documents showing if the station, a fund, an insurer or Ryker arranged each policy
- Control room, plant or workshop duties and any roster pattern, written up on the claim form in plain detail
- Payslips covering a full roster cycle, so any penalty rates and station allowance appear in the earnings an insurer reviews
- Treating specialists’ findings, which you may hand over yourself or an insurer may seek once you consent
- Proof of income from a station employer, a labour hire firm or both, for a claim covering mixed engagements
- Any return on fewer shifts or a lighter roster, with an income protection contract’s rules on reduced payments read first
- Any disablement benefit from a defined benefit fund, claimed through the fund itself
- A disputed result put to the insurer or fund, with AFCA as the free next step
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
- Your role at the station: Insurers usually ask about your job when you apply. An operator, a maintainer, a chemist and a stores officer do quite different work, so your day-to-day duties are part of describing the role accurately.
- A continuous roster: Some policies only cover you if you work a minimum number of hours each week, so how your hours fall across a full roster cycle, including any 12-hour shifts, is worth setting out.
- Shift penalties and allowances: Income protection is usually based on your earnings in the 12 months before an illness or injury. A policy’s own definition of income decides whether penalties for nights, weekends and public holidays, any power station allowance and overtime are included.
- Sick leave that stays with the job: For permanent employees, paid sick leave builds up and carries over each year, so a balance can help through a waiting period. It isn’t paid out when employment ends, and a balance generally doesn’t move to a new employer unless your service is recognised, such as on a transfer of business.
- Cover through work or a defined benefit: Any cover through your employer, an agreement or your fund is worth asking about, including how changing employer would change it. Some defined benefit funds offer benefits you may lose if you leave, and you generally can’t rejoin.
- Outage and labour hire work: Outage contractors employed through labour hire are paid, and given their entitlements, by the labour hire employer rather than the station. Any cover through work is a question for that employer and your fund.
- A move to new plant or a day job: New duties belong on any application you make after a move. A day job’s pay can fall inside the 12 months income protection usually looks at, and the occupation your fund has on record is worth checking after the change.
- Your age and your funds: TPD cover in super usually ends at 65 and life cover at 70. Moneysmart suggests checking your insurance before changing funds or closing an account: if you’re over 60 or have a pre-existing medical condition, you may not be able to get the cover you want.
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 Power Station Work, Worked Through Together
Station Duties Described Role by Role
Control room, maintenance, laboratory or stores work set out as it is on any application.
Station Pay Read Against Each Income Definition
Shift penalties, any power station allowance and overtime read against how each policy defines income.
Cover Through Your Employer Mapped Before Any Move
Any cover through your employer, an agreement or a fund listed in one place before a new role.
Defined Benefit Insurance Checked With the Fund
Any insurance a defined benefit fund provides, and what leaving the fund could mean for it, asked before a rollover.
Funds Compared Before Any Are Combined
The cover in each super account set side by side before any fund is closed or rolled over.
Cover for Two at One Station
If you and a partner both work at the station, both sets of cover looked at together.
Cover Looked At Before New Plant or a Day Job
Duties, hours and pay for a next role set against any cover you hold now.
Claims Followed Through to the Insurer’s Decision
Forms, payslips and updates worked through with you while the insurer or fund assesses a claim.
Proactive, Holistic, and Experienced Financial Planning
How your work at the station runs comes first in our conversations: the role you hold, any roster you work, anything that may change, and what you’d like your cover to do for you and anyone at home. We explain each type of cover in plain terms, take your questions as they come and go at a pace that suits you. Our recommendations usually come to you in writing, so you can read them on a day off.
The paperwork is shared. With your consent, we can gather payslips, super and any defined benefit statements, any employer cover documents and PDSs, and follow up with insurers and funds so the chasing isn’t yours to do. A partner is welcome in any conversation, in person or on a call that fits around your work. Should a claim on a personal policy ever be needed, we’ll lodge it with you and keep you posted until the insurer or fund 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 Power Station Workers
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 power station work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Power station work can mean pay built from shift penalties and allowances, any sick leave tied to the job, and changes ahead such as newer plant or a day job. Each can affect how an insurer assesses an application and how a policy pays, so your duties, hours and pay 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 your cover, your work and what you plan next. Income protection is designed to pay part of your lost income if you’re unable to work due to illness or injury.
It helps to know what stays with the job. Paid sick leave isn’t paid out when employment ends, and a balance generally doesn’t move to a new employer unless service is recognised, as on a transfer of business. Any cover through your employer or fund is worth asking about, including how changing employer would change it. Insurers ask about your job, hours and income when you apply, so a move can change what an application describes. We can map what you hold with you before any expected closure year, and compare personal cover alongside it.
That depends on the policy. Income protection is usually based on your earnings in the 12 months before the illness or injury, and each policy’s own definition of income decides which parts of your pay count, such as penalties, allowances or overtime.
A move to day work or a new role could mean those 12 months hold a different mix of pay from your station shifts. Reviewing the amount insured after a change in pay, and reading how a policy treats income that varies, can help keep cover in step with what you earn. We can compare income definitions with you across a wide range of insurers, and the insurer decides on any application.
Start with the insurance in each fund. Moneysmart suggests checking your insurance before changing super funds or closing an account: if you’re over 60 or have a pre-existing medical condition, you may not be able to get the cover you want.
If one of your funds is a defined benefit fund, ask it what it provides first, as some funds offer benefits that you may lose if you leave, and you generally can’t rejoin. TPD cover in super usually ends at 65 and life cover at 70, and premiums come off your balance, which can matter more when you’re close to retirement. We can compare the cover in each fund with you before anything is combined.
Each of you can start with your own cover. Any cover through work for both of you may come through one employer, so a change at that employer could affect you both at once, and it helps to know what each of you holds in your own name.
Income protection covers the income of the person insured, so each income is looked at on its own. Life and TPD amounts can be worked out together, around shared debts and anyone who relies on you both, and each fund’s nominations can name eligible people or your estate. We can look at both sets of cover with you, and the insurer decides on each application.
It depends on the new role, the employer and any cover you hold. Insurers ask about your job, hours and income when you apply, so new duties at a wind, solar, battery or hydro site are worth describing as they are on any application.
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. Any cover through your old employer or an agreement is worth asking about before you leave, and the occupation your fund has on record is worth checking after the move. We can look at your cover with you before the change, and compare personal cover alongside it.
A quote works from the answers typed into its own form, so it’s quick, though it may not read how penalties and any station allowance fit each policy’s definition of income, or what any cover through work and super already provides.
Personal advice looks at your role, how your hours fall, any leave and what may change, such as a move to newer plant or a day job, along with your household costs and any existing insurance. We then compare policies from a wide range of insurers with you, and the insurer decides 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. Control room, workshop or office, we start with the work you do, how you’re paid 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. Useful to have on hand: payslips across a full roster cycle showing penalties and any allowances, each fund’s statement and any defined benefit statement, any employer cover documents or policy you hold, and any closure or package letter. From there, we’ll settle on a practical way forward together.
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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