Life Insurance and Income Protection for Rail Track and Signal Workers
Income Protection for Rail Track and Signal Workers and Their Families
Possession pay, who employs you, cover through work and super, and any step back to rail safety duties shape your cover. We can help you check what you hold, compare and apply for cover, and lodge claims with you.
Financial Advice for Life Insurance and Income Protection
Who We Help
- New starters in rail with a first worker card and a first possession roster
- Casual rail track workers paid a loading instead of paid leave
- Permanent network employees with any sick leave banked
- Electricians now in rail signalling, testing or maintenance after other electrical work
- Overhead wiring crews and traction power teams working at height
- Night possession crews running track machines through the small hours
- Trainee protection officers stepping up from track work
- Rail safety workers returning to duties after time off with an illness or injury
- Partners and families checking what cover the household holds
We Can Help You
- Describe track, signal or overhead wiring duties accurately on a personal insurance application
- List any Saturday, Sunday and night possession pay line by line for an income protection application
- Test which possession penalties and night allowances an income protection policy treats as insured income
- Hold any possession roster, busy blocks and quiet weeks alike, against an income protection hours rule
- Size an income protection waiting period for a track worker with banked leave, or a casual with none
- Trace any insurance in super accounts from earlier rail networks, track contractors or labour hire placements
- Confirm the occupation a fund or insurer records for your cover after a move into signalling or protection work
- Look at life, TPD and income protection cover before a step up to protection officer, supervisor or planner
- Work through how an income protection policy treats a return to rail safety duties, or other duties, after time off
- Bring any possession payslips and a track duties statement together for a personal insurance claim lodged with you
What we advise on
How Each Cover Works Around Track and Signal Work
Income Protection
Through weeks off work after illness or injury, including any possession shifts, how would the household bills be met?
Income protection can pay part of your income after a waiting period, helping regular costs keep being met while you recover.
Together, we’ll compare income protection around possession pay and the way rail rosters run.
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 in its own way, and most offer waiting periods from 14 days to 2 years. To be paid, you must be unable to work when the waiting period ends.
What we work through with you on income protection:
- Any Saturday and Sunday possession rates and night shift allowances on rail payslips, tested against how each insurer defines insurable earnings
- Casual loading folded into a labour hire track rate, and whether an insurer’s earnings definition includes that loading
- A run of big possession blocks, or a lean stretch between projects, falling inside the 12-month earnings window
- A network employee’s accrued personal leave, or a casual’s own savings, deciding how many weeks to wait before payments
- Weekly hours rules in some contracts, held against rosters where possession blocks alternate with ordinary weeks
- Workers compensation after a track injury, and any PDS clause letting the scheme’s weekly payments lower what the insurer pays
- Income cover a rail employer’s default fund may already carry, read for when payments would start and how long payments could run
- Income protection paid for inside super or personally, with an accountant settling how any premium affects your return
Life Insurance
Who would carry the costs your rail pay meets today, if you were no longer here?
Life cover can pay a lump sum to your beneficiaries, towards debts, everyday costs and plans already made.
We’ll add up any debts with you, and anyone relying on your pay, to size a life cover amount.
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 job when you apply. With no beneficiary named, your estate or the super trustee may decide where the money goes, and packaged life cover may be reduced by another claim paid under the package.
What we work through for life cover:
- Any mortgage, ute loan or personal loan signed on possession-boosted pay, totalled so the lump sum reflects the balance
- Any forgotten life insurance in accounts opened by earlier track contractors or labour hire placements, found before any account is combined
- Life cover held in a rail job’s super fund, and who the trustee may pay if no valid nomination is in place
- Disablement cover sharing one policy with life insurance, so a TPD claim may leave beneficiaries less
- Your exact rail title, whether lookout, signal tester or track labourer, given in full on a life proposal
- Any joint commitments at home, and whether a partner holds separate life insurance to sit beside your own
- Bringing forward the life benefit on a terminal prognosis, if the policy allows, backed by the medical certification its terms require
- Sum insured revisited after settling on a house, welcoming a child or starting permanent network employment
TPD Insurance
What would your plans still need funding for if you could never work again?
TPD cover can pay a lump sum towards debts and plans if you’re unable to work again, as the policy defines it.
We’ll weigh TPD definitions with you against the skills and tickets that rail work builds.
TPD cover can pay a lump sum if you’re unlikely to work again, as the policy defines it. An own occupation definition looks at your usual job, while an any occupation definition looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, and a TPD payout may reduce any life cover packaged with it.
What we compare with you for TPD:
- Disablement measured against trackside or signalling duties alone, set beside wording looking at other roles you could fill
- Years as a lookout, protection officer or planner, which an any occupation test may count as transferable background
- Disablement definitions in each rail employer’s default fund, compared before closing any account
- Your recorded job title after any move into signal testing or protection duties, matched to the work you now do
- Activities like showering, getting dressed, feeding yourself and moving about, which some TPD wording tests in place of work
- Any overhead wiring or signal work at height, described accurately so the insurer has a true picture of your job
- A TPD figure built from any home, car or other debt, updated as each balance falls or grows
- Lasting incapacity in TPD terms and shorter absences under income protection, sized so the pair suit a rail career
Trauma Insurance
Treatment after a serious diagnosis can mean missed shifts or possessions, so how might those costs be paid for?
Trauma cover can pay a lump sum for treatment and missed shifts when a listed condition meets its definition and isn’t excluded.
We’ll read each trauma definition with you, and how a lump sum would sit beside income protection.
A trauma policy can pay a lump sum when a listed critical illness or serious injury meets its definition and isn’t excluded. Medical definitions can be different between insurers, so each list is worth reading closely. 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:
- Critical illnesses on a trauma list, each read against the definition printed in an insurer’s own PDS
- Reduced benefits paid under certain trauma wording when a diagnosis is milder than the full definition
- Wages, including any possession pay, or savings funding any trauma policy started now, since super is closed to new trauma contracts
- Hospital stays, rehabilitation and any long drive to appointments from a regional depot, which a trauma payment could help fund
- Trauma sharing a contract with life insurance, since a trauma claim may trim the sum backing any home loan
- Missed possession shifts during treatment, which a casual track worker has no paid sick leave to cover
- A long-standing trauma contract, kept or replaced only after comparing the original wording with current options
- Any possession pay a household relies on, and how large a trauma sum would need to be to stand in for several weeks of that pay
Cover in Super
Across the funds your rail employers have paid into, does any cover still fit the work you do now?
Checking each fund’s statement and PDS can show any cover you hold, and how it fits the work you do now.
We’ll check any cover in each of your funds with you before anything is changed or combined.
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 out of each super balance that holds cover, and across several accounts you may not be able to claim the full benefit from more than one.
What we look at in your super with you:
- Any super account opened through a rail job, whether track contractor, network or agency, set side by side with any insurance inside
- Starters under 25 in trackside roles, and whether a fund extends automatic insurance to dangerous jobs without a request
- Signalling, protection or track labouring as recorded by each fund, and asking for a correction if the record is wrong
- Health history exclusions written into a default policy, compared with your medical background
- Insurance costs drawn from retirement savings, weighed against how much protection each account actually buys
- Several rail employers’ default funds, where premiums may be paid twice but a full benefit may not be claimable from both
- Ending an old rail account only after the insurance inside is understood, including any cover that would stop with it
- Topping up automatic cover beyond its standard level, usually through an underwritten application with health questions
Possession Pay and a New Employer
When pay comes in weekend and night possessions, and your employer can change between projects, how could your cover reflect that work?
Matching cover to how you’re paid and who employs you can help it reflect the work you actually do.
We’ll look at any cover with you around possession pay and each move between a network, a contractor and labour hire.
If the rail award covers you, Saturday and Sunday work is paid at higher rates, night shifts carry an allowance and casual loading is paid instead of paid leave. A contractor’s crew may sit under a different award covering civil construction, which includes railways, and for labour hire workers, the labour hire employer, not the host network, provides pay and entitlements.
What we look at with you on pay and employers:
- Any penalty rates and allowances on payslips from possession weeks, gathered to show your income on an application
- A move from labour hire to a network job, or back, and the leave and any cover each employer offers
- A contractor’s project ending, and what happens to any cover that came through that job
- Whether you can choose a fund under your award or agreement, and which fund each new employer pays into
- Any cover through an award, agreement or employer, read in its own terms before you rely on that cover
- Any work away on regional projects, described as it is when an application asks about your duties
- Labour hire pay and entitlements, which come from the labour hire employer rather than the host network
- A step from casual to permanent work, and how any paid sick leave sits against a waiting period
Coming Back to the Track
If time away from rail safety work ever means a step before going back, what would help you know where each cover stands?
Knowing how each cover treats time off and a return can help you plan the way back to the track.
Together, we’ll look at how each cover treats time off and a return to rail safety duties.
Under the national rail health standard, a worker on an injury management program should have a health assessment for their current rail safety duties or proposed alternative duties. The examining doctor and the rail transport operator can explain that assessment. How a policy treats the time around a return, and any change in hours or pay, is set by its wording.
What we look at with you around a return:
- Time off and the waiting period, and whether any sick leave or savings carry you through those weeks
- How a policy defines being unable to work, read well before any return to the track
- Alternative duties without possession pay, and how a policy treats lower earnings during a return, set by its wording
- A different role in rail after time off, and the occupation your fund or insurer has on record
- Workers compensation through a state, territory or Commonwealth scheme, if eligible, alongside any personal cover you hold
- A return date after any health assessment, passed on to the insurer if a claim is under way
- Any TPD and trauma cover held during time off, with premiums and terms read before any change
- Cover looked at again once you’re back on rail safety duties, against your new pay and duties
Making a Claim
Who could work through a claim’s forms and follow-up with you, right up to the insurer’s decision?
Support with the paperwork and the follow-up can make a claim easier to manage while the insurer assesses it.
We’ll prepare and lodge a claim with you, and keep following it up until the insurer or fund decides.
Speak first to whoever arranged the cover: your fund, the insurer, a financial adviser or, for cover through work, your employer. An insurer can ask about your work duties, their physical requirements and your weekly hours, along with payslips and tax returns. The insurer assesses each claim, and a complaint goes to the insurer or super fund first, then to AFCA.
How we help with a claim:
- Schedules and statements sorted first, to help the initial notice reach the right trustee, rail employer or insurer
- Trackside, signal or overhead duties set down accurately, with any lifting or climbing and your weekly hours included
- Any possession, weekend and night payslips gathered so an insurer can see how rail earnings are built
- Clinical notes from the GP, surgeon or physio, released to the insurer once you agree to the request
- The date of your last shift or possession and any rostered time off since, so the insurer can see when work stopped
- Insurer questions arriving mid-assessment, answered with you as each request comes in
- Reduced hours back at the depot or on the track, and whether the wording pays a proportion while earnings stay lower
- Review rights if you disagree with the outcome: the insurer or fund’s internal process first, then AFCA at no charge
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
- Track, signal or overhead work: Insurers usually ask about your job when you apply. Track maintenance, signal testing, protection duties and overhead wiring make for quite different days, so the duties you actually do are part of describing your work accurately.
- Possessions and quieter weeks: Some policies only cover you if you work a minimum number of hours each week, so how your hours fall across possession blocks and ordinary weeks is worth setting out.
- Penalty rates and allowances: Income protection is usually based on your earnings in the 12 months before an illness or injury. If the rail award covers you, weekend work and night shifts are paid at higher rates or with an allowance, and whether those amounts or any casual loading count is set by the policy’s own definition of income.
- Who employs you this year: A rail transport operator, a contractor building or maintaining track and a labour hire business can each offer different pay terms. If you work through labour hire, your labour hire employer, not the host network, provides your pay and entitlements, and casual employees don’t get paid sick leave.
- Each new placement: Any rail industry worker card and competencies you hold are built to move across work sites and rail networks. Cover works differently: any cover through an award, agreement or employer is read in its own terms, and a new employer generally pays into your existing super fund unless you choose another.
- Cover in more than one fund: Premiums come off each super balance that holds cover, and you may not be able to claim the full benefit from more than one fund. Checking the cover in each account comes before combining them.
- A step up to new duties: A move to protection officer, supervisor, planner or signalling work can leave your duties different from what a fund or insurer has on record, and change the pay inside the 12 months income protection usually looks at. The rail health standard also asks for a health assessment before a move into higher risk rail safety work.
- Coming back after time off: Under the rail health standard, a worker on an injury management program should have a health assessment for current or alternative duties, and otherwise one can depend on the time away and the rail transport operator’s return to work process. How a policy treats that time, and any lower pay, is set by its wording. Workers compensation is separate, through a state, territory or Commonwealth scheme, if eligible.
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 Track and Signal Work, Worked Through Together
Track and Signal Duties Set Out
Your track, signal, protection or overhead wiring duties described in full on any cover application.
Possession Pay Laid Out for Income Protection
Weekend rates, night allowances and any casual loading set out against each policy’s income definition.
Cover Mapped Across Rail Employers and Funds
Any cover through each network, contractor, labour hire employer and super fund, listed in one place.
Minimum Hours Read Against a Possession Roster
A policy’s weekly hours terms checked against how possession blocks and ordinary weeks fall.
Your Rail Occupation on Record Checked
The job each fund or insurer records, checked after a move into signalling or protection work.
Cover Reviewed Before a Step Up on the Track
Life, TPD and income protection looked at before a move to protection officer, supervisor or planner.
Return to Work Wording Read With You
How each policy treats time off and a return to rail safety duties, read in its own wording.
A Claim Lodged and Followed Up With You
Claim forms, any possession payslips and insurer follow-up worked through with you during assessment.
Proactive, Holistic, and Experienced Financial Planning
Your cover should fit the way your work actually runs, so that’s where we begin. We’ll ask about any possession rosters, nights and weekends, the employer you’re with this year and what you’d like your cover to do. We take things at your pace and explain each type of cover in plain terms, with time for every question. Our recommendations usually come to you in writing, so you can read them on your days off.
We also help with the paperwork that builds up across rail employers and funds. With your consent, we can gather payslips, fund statements, PDSs and any employer cover documents, then follow up with funds and insurers so the chasing doesn’t land on you. A partner or family member is welcome to join our conversations, in person or on a call between shifts. If you ever need to claim while away from the track, 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 Rail Track and Signal 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 track or signal work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Track and signal work can mean pay built from weekend and night possessions, moves between network, contractor and labour hire employers, and a health assessment before returning to rail safety duties. Each can affect how an insurer assesses an application and how a policy pays, so your duties, hours, employer 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 the policy’s own definition of income, which decides whether weekend rates, night shift allowances and any casual loading are counted. If the rail award covers you, Saturday and Sunday work is paid at higher rates and night shifts carry an allowance, though an agreement may set different terms. The benefit is usually based on your earnings in the 12 months before the illness or injury, and some policies only cover you if you work a minimum number of hours each week.
Payslips from both possession and ordinary weeks show how your pay is built across the year. We can read the income definitions with you across a wide range of insurers, and the insurer decides on any application.
It depends on the policy’s definition of disability and its terms. To be paid, you must be unable to work because of your illness or injury at the end of the waiting period, and each policy’s wording sets how it treats a return to alternative duties, reduced hours or lower pay.
Under the national rail health standard, a worker on an injury management program should have a health assessment for their current rail safety duties or proposed alternative duties. The examining doctor and the rail transport operator can explain the assessment itself. We can read the policy wording with you before and during a return, and the insurer decides on any claim.
Start with the job each fund and insurer has on record. Insurers usually ask about your job when you apply, and if you moved into rail signalling from other electrical work, a fund may still hold your earlier occupation. If your super fund has classified you incorrectly, Moneysmart suggests contacting the fund.
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. Describing your signalling, testing or maintenance duties as they are gives the insurer a true picture. We can check each record with you and compare personal cover alongside it.
A step up can change your duties, your pay and any debts you plan around. New duties are worth describing accurately to any fund or insurer that records your occupation, and a change in pay can sit inside the 12 months of earnings that income protection usually looks at.
It’s also a good time to check whether any life and TPD amounts still match any debts and anyone relying on you. Some policies offer options to increase cover at set life events. We can review any cover you hold with you before the step up, and the insurer decides on any new application.
A quote tool can be a quick way to see a price from the answers you enter. Personal advice can also look at how weekend and night possession rates fit each policy’s idea of income, whether an hours rule suits a possession roster, what each rail fund already carries and how a return to rail safety duties is treated.
We weigh options from a wide range of insurers with you, and the insurer has the final say 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. New to rail or years on the track, the conversation begins with your rail work and what you’d like cover to do.
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, such as recent payslips, including any from possession weeks, super statements from each fund your rail employers paid into and any insurance papers from work. We’ll take it from there with you.
Reviews
Testimonials from Our Clients
Client Success Stories
A Property Sale Became a Full PlanEstimated long term financial benefitApprox $448,000
A Plan to Keep the Family HomeLife cover established$1.2 Million
Cover in Place and Fees LoweredImmediate value$1,055 a year
Super Fees More than HalvedProjected retirement uplift$416k
Income Covered for a New MortgageImmediate value$975 a year
A 13-Year Mortgage Paydown PlanPlanned mortgage paydown13 years
A First Home and Family CoveredImmediate value$1,346 a year
Age Pension Kept After an InheritanceProjected uplift at 90More than $642,000
Grow & Protect Your Wealth Today
Whatever’s on your mind, we’re here to help. You’ll speak with an authorised financial adviser who’ll listen first and get to know what matters to you.
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