Life Insurance and Income Protection for Real Estate Agents
Income Protection for Real Estate Agents and Their Families
Commission that lands once the agency is paid, a wage, commission-only or contract arrangement, and any cover in super all shape your insurance. We can help you look at any cover you hold, weigh options and lodge claims with you.
Financial Advice for Life Insurance and Income Protection
Who We Help
- Sales agents paid a wage with commission on top
- Commission-only salespeople working under a written agreement
- Agents contracting to an agency on an ABN or through their own company
- Property and strata managers working full-time or part-time
- Leasing agents in commercial, industrial and retail property
- Auctioneers and agents who run auctions alongside their sales work
- Buyers’ agents and business brokers acting for buyers or for people selling a business
- Associates and sales assistants in their first year in the industry
- Licensees in charge and principals whose pay depends on the office’s results
We Can Help You
- Set out appraisals, open homes, auctions, inspections and time driving between properties accurately on a cover application
- Gather commission statements, payslips and any contract as income evidence for an income protection application
- Raise with each insurer how its policy counts pay that arrives after a sale settles
- Read how a policy treats commission from earlier sales that lands while you’re off work
- Match an income protection waiting period to any paid leave your arrangement gives, which on commission-only is at least the award base rate
- Test part-time property or strata management hours against any minimum a policy sets
- Map any cover in the fund each agency paid into, and what each policy could pay
- Weigh life and TPD amounts against any home, investment or business loans in your name
- Look at any cover before a yearly commission-only review, a move to contracting or a new agency
- Lodge a personal insurance claim with you, backed by commission statements, while the insurer assesses it
What we advise on
How Each Cover Works Around Real Estate Work
Income Protection
With listings still coming in, what would keep the household running if illness or injury stopped you working them for a while?
Income protection can pay part of your income after a waiting period, on its terms, towards costs while you can’t work.
We’ll compare income protection with you around pay that arrives once the agency has been paid.
Income protection can pay a percentage of your pre-tax income if illness or injury stops you working, usually based on your earnings in the 12 months before the illness or injury. How that figure treats pay that lands after a sale settles is set by each policy’s own definition of income. Waiting periods can run from 14 days to 2 years, and you must be unable to work when the waiting period ends to be paid.
What we work through with you on income protection:
- Pay that lands once the agency has been paid, and how each policy’s definition of income counts it
- Commission from earlier sales that settles while you’re off work, and how the PDS treats that pay during a claim
- Your own share under any commission agreement, rather than the office’s figure, as the income a policy works from
- Sick leave if you’re not casual, commission-only leave of at least the award base rate, or savings on an ABN, matched to your wait for benefits
- Part-time property or strata management days, compared with the weekly hours floor some insurers set
- Weekend auctions, appraisals and open homes described in full, the duties a policy’s disability test may look at
- Any income protection your super holds from agency years, with whatever waiting and payment choices its terms allow or apply automatically
- Premiums paid from commission or through super, and how each is taxed, a question your accountant can answer
Life Insurance
Without your sales income, how would the people at home keep up with the household if you were no longer here?
A lump sum paid to your beneficiaries can help with the loans, bills and plans your household relies on.
Together, we’ll size life cover from any loans in your name, the people relying on your income and any cover in super.
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 no beneficiary is named, your estate or the super trustee may decide where the money goes, and life cover sold in a package may be reduced by other claims paid under that package.
What we work through for life cover:
- Any mortgage or investment property loan a lender approved on your sales record, weighed when the payout is sized
- Any loan for a stake in an agency or a rent roll, weighed for cover while a broker handles the loan itself
- Insurance still attached to super from any agencies you’ve moved on from, traced with you and kept or let go by choice
- A household budget planned around settlements, and the size of payout that could stand in for those commission payments
- Bundled life and TPD, so a payout for permanent disability may reduce the sum your nominated people would receive
- Two incomes in one household, if that applies, sized as a pair so each person’s lump sum fits the shared debts
- A payout some life policies offer on a terminal illness with a limited life expectancy, and the medical reports a claim needs
- The amount reviewed after a new loan, a new baby, buying into an office or taking over a rent roll
TPD Insurance
Were work of any kind out of reach for good, which plans would still need money behind them?
Total and permanent disability cover can pay a lump sum, as the policy defines it, towards the loans and goals still ahead.
We’ll weigh TPD definitions with you against the skills a career in sales and property management builds.
TPD insurance can pay a lump sum if you’re unlikely to work again because of illness or injury, 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, TPD 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:
- An own occupation definition tied to work as a licensed agent, compared with one that looks at any suitable role
- Negotiation, property management or office leadership experience, and how an any occupation definition may weigh that background
- The TPD test inside super from any earlier agency, weighed with you before closing or keeping that account
- Your job title on file after any move from property management into sales or a principal’s role, confirmed with the fund
- Daily living tests, such as dressing and getting around, which some contracts rely on rather than a job-based measure
- Any rent roll or business loan, weighed against life cover that a packaged TPD payout may shrink
- A TPD amount sized against any home, investment or business loans in your name
- A one-off TPD payment for work that ends for good, set beside income protection for shorter setbacks in a sales career
Trauma Insurance
Should a serious diagnosis arrive, how might treatment be paid for while a colleague looks after your listings?
Trauma cover can pay a lump sum for a listed, non-excluded condition that meets the policy’s definition, easing treatment costs.
We’ll read through a trauma policy’s list with you, and how it would sit 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. New trauma cover can’t be held inside super, which has been the rule for policies written since 1 July 2014. Trauma sold with life cover in one package may reduce the life cover when a trauma claim is paid.
What we read with you in a trauma policy:
- Every condition listed in a trauma policy and the medical test each must satisfy, gone through with you before applying
- A smaller payout for an early-stage condition, offered by some trauma contracts as a fixed portion of the sum insured
- Funding new trauma insurance from your own savings or pay, as the law bars new trauma policies inside super
- Specialist and hospital bills straight after a diagnosis, which a lump sum can meet ahead of any monthly benefit
- A trauma sum sized for weeks when pay from earlier sales is uncertain and your listings sit with a colleague
- A death benefit that a trauma payout may shrink when both sit in one package, checked with you
- Trauma wording from a job before real estate, if you hold such a policy, checked ahead of any switch
- Whether a trauma payout counts as income on your tax return, which your accountant can confirm
Cover in Super
Would any cover in your super still fit the work and pay you have now?
Checking each fund’s statement and PDS can show any cover you hold, and how it fits your work today.
We’ll check any cover in each fund an agency has paid into 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 super balance, not your take-home pay, and if you hold more than one account, you may not be able to claim the full benefit from more than one.
What we look at in your super with you:
- Each fund an agency has paid into over the years, listed with whatever insurance every account carries
- Where a new agency sends your super, generally your existing account under stapling unless you pick another
- The job description your fund holds, whether sales, leasing or strata, updated through the fund if it’s out of date
- Health matters predating your membership of a fund, which its PDS may exclude from automatic insurance
- Insurance costs drawn from each balance, whether you’re on a wage or a contract
- Closing a spare account only after weighing the death and disability insurance it carries against what you keep
- Topping up automatic cover in your super for any larger loan, which generally means the insurer assesses your health
- Cover in a partner’s fund, if you have a partner, weighed alongside your own for the household
Commission, Settlement and Your Cover
How could knowing the way a policy reads settlement-timed pay help you choose cover with more confidence?
Seeing your income the way a policy will can make choosing a benefit and waiting period clearer.
We’ll look with you at how a policy may read your settlement-timed pay, before you apply.
For employees under the Real Estate Industry Award, commission is payable only once the agency has received cleared funds from its client, and an employee’s portion of the agency’s commission is set in a written agreement. Income protection usually works from your earnings in the 12 months before an illness or injury. How a policy counts a sale by month, and treats pay from earlier sales that lands during a claim, is set out in its PDS.
What we look at with you on settlement-timed pay:
- Commission statements and payslips gathered as evidence of the income you earn, ready for an application
- Your share under your written agreement, kept separate from the office’s gross figure when an income is stated
- The month a policy counts a sale in, asked of each insurer before you apply rather than at claim time
- Earlier sales that settle while you’re off work, and how each PDS treats that pay during a claim
- Pay generally credited after you leave an agency as an employee, on sales legally enforceable before the exclusive agency period ended, once the agency is paid
- A quiet stretch, a break or parental leave falling inside the 12 months before an illness or injury
- A property manager’s salary and first sales income both landing inside the 12 months a policy usually works from
- Moneysmart’s question for insurers, how much of your income they’ll pay and how they work it out, asked with you
Wage, Commission-Only or Contract
Whatever way you’re paid, what would you have to live on in the weeks before any income protection starts?
Knowing that ahead of time can help you pick a waiting period that fits the way you’re paid.
Together, we’ll look at any cover around the pay arrangement you’re on now, or one you’ve been offered.
All employees except casuals get paid sick leave. Under the award, a commission-only employee’s leave is paid at no less than their classification’s base rate, and the arrangement is reviewed each year. On a contract there’s no paid sick leave, and a business may still have to pay super if you’re paid mainly for your labour and skills rather than a result and you do the work yourself, but not under a contract with your company, trust or partnership.
What we look at with you on how you’re paid:
- Any paid sick leave on a wage, if you’re not casual, weighed against the waiting period you choose for income protection
- Commission-only leave at no less than the award base rate, compared with your usual earnings from sales
- No paid sick leave on a contract, and any savings that could carry you through a waiting period
- The yearly review of a commission-only arrangement, and any cover looked at again if the arrangement changes
- A new written agreement or a new agency, and the income a policy may count under either one
- Cover in super checked before a move to contracting, with your status confirmed by your accountant or the ATO
- Business records and tax returns for an application on a contract, gathered alongside your accountant
- Workers compensation for harm at work, where each scheme sets who qualifies, raised with your agency or the scheme
Making a Claim
While your clients are with a colleague, who could keep a claim’s paperwork moving with you?
Support with the forms and follow-up can make a claim easier to manage.
We’ll lodge a claim with you, then keep it moving while the insurer or fund assesses it.
Moneysmart suggests speaking first to whoever arranged the cover, which for cover through work can be your employer. An insurer can ask for details of your work duties and the hours you work each week, with payslips and tax returns, or financial statements if you’re self-employed. The insurer assesses the claim, and a complaint goes first to the insurer or super fund, then to AFCA.
How we help with a claim:
- Who to call to start each claim, the fund, the agency, the insurer or us, read from your paperwork
- Appraisals, auctions, weekend open homes and weekly hours, set out on the claim form as they happen
- Commission statements from each agency, or business accounts on a contract, as evidence of what you earned
- Doctors’ letters on what you can and can’t do at appraisals or open homes, requested by the insurer with your agreement
- Any cover spread across several funds, with a claim made to each and tracked with you
- Injury at an open home or inspection: the workers comp scheme deals with that side if eligible, and we handle any personal policy claim with you
- Sick pay, workers comp or other money for the same weeks, which a PDS may deduct from monthly benefits
- Any dispute goes first to the insurer or fund that ruled, and AFCA can hear it after that
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
- Appraisals, open homes and the road: Insurers usually ask about your job when you apply. Listing appraisals, open homes, inspections, auctions, office time and driving between properties are all part of describing your work accurately, and an insurer can ask about your duties and weekly hours again at claim.
- Weekends and weekly hours: Some policies only cover you if you work a minimum number of hours each week, which is worth checking if you manage property or strata part-time. Setting out weekend and evening work as it falls gives a true picture of your week.
- Commission paid after settlement: Under the Real Estate Industry Award, an employee’s commission is payable once the agency has received cleared funds, so a sale and the pay for it can land in different months. Income protection usually works from your earnings in the 12 months before an illness or injury, and which month a policy counts is set by its wording.
- Your share of the commission: The office’s commission and your portion of it under a written agreement are different figures. A policy works from your own earnings as it defines them, and on a contract an insurer can ask for financial statements.
- Wage, commission-only or contract: Each arrangement can leave something different before a waiting period ends: paid sick leave if you’re employed and not casual, leave at no less than the award base rate on commission-only, or no paid sick leave on a contract.
- A yearly review or a new agreement: A commission-only arrangement is reviewed each year and must end if earnings fall below the award’s threshold. A new written agreement or a move to another agency can also change the pay a policy may count.
- Running an office or buying in: A principal’s pay can depend on the office’s results, which an insurer may ask to see in financial statements at claim. Any loan for a stake in an agency or a rent roll can come into life and TPD amounts, with a broker on the loan itself.
- Time away, then back to listings: Parental leave, a break or an injury can fall inside the 12 months income protection usually looks at. Workers compensation for an injury at work or an illness caused by it is separate, through a state, territory or Commonwealth scheme, and each scheme sets who qualifies. Other payments may reduce an income protection benefit, and some policies pay a partial benefit on a gradual return, as set out in the PDS.
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 Real Estate Work, Worked Through Together
Your Appraisal, Open Home and Driving Duties Set Out
Appraisals, open homes, auctions and time on the road described in full on any application.
Commission Statements Gathered as Income Evidence
Recent commission statements and payslips, or financial statements on a contract, ready for an income protection application.
Settlement Timing Read in Each Policy’s Wording
How each policy counts pay that arrives once the agency is paid, read with you before you apply.
Leave or Savings Weighed Against a Waiting Period
A waiting period weighed against any paid leave your arrangement gives, or savings you’d draw on.
Any Cover in Your Super Mapped
Any cover in each fund an agency has paid into, listed together with what each could pay.
Cover Looked at Before a Review, Contract or New Agency
Any cover reviewed with you ahead of a yearly commission-only review, a move to contracting or a new agency.
Life and TPD Weighed Against Any Loans
Life and TPD amounts weighed against any home, investment or business loans in your name.
A Claim Lodged With You, Assessed by the Insurer
Forms, commission statements and follow-up worked through with you while the insurer assesses a claim.
Proactive, Holistic, and Experienced Financial Planning
Every conversation starts with how your work and pay run. We’ll ask about your listings and settlements, any weekend work, the arrangement you’re on and what you’d like your cover to do, at a pace that suits you and around your appraisals and open homes. Each type of cover is explained in plain terms, your questions are welcome along the way, and our recommendations usually come to you in writing, so you can read them in your own time.
The paperwork is shared work. Payslips, commission statements, fund statements, PDSs and any contract can all be gathered with your consent, and we follow up with funds and insurers so the chasing doesn’t fall to you. A partner or someone else in your family is welcome to join our conversations, in person or on a call. Should a claim ever be needed, we’ll lodge it with you around your listings 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.
Learn more about Financial Planning and Advice for Real Estate Agents
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 real estate work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Real estate pay can come mostly from commission that lands once the agency is paid, under a wage, commission-only or contract arrangement, and the work can include weekend appraisals and open homes. Each of these can affect how an insurer assesses an application and how a policy pays, so we look at your duties, hours, arrangement and pay history.
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.
That depends on the policy’s own definition of income. Income protection usually bases the benefit on your earnings in the 12 months before the illness or injury, and under the Real Estate Industry Award, an employee’s commission becomes payable only once the agency has received cleared funds from its client. A sale and the pay for it can fall in different months.
Moneysmart suggests asking an insurer how much of your income it would pay and how it works that out. We can put that question to each insurer with you, read the answers against your own statements and compare policies, and the insurer decides on any application.
Each policy defines income its own way, and the definition is built around your own earnings rather than the agency’s. Under the Real Estate Industry Award, a commission-only employee’s pay is worked out from the employer’s gross commission: what the agency receives from its client, less GST and conjunctional agent fees. On a wage, any portion of commission depends on a written agreement with the agency. The office’s figure and your share are different figures.
If you contract to an agency, an insurer can ask for financial statements to show what you earned. We can set out your share from your agreement and statements with you before any application, and the insurer decides what it offers.
It depends on your arrangement and the policy. As an employee under the Real Estate Industry Award, commission becomes payable once the agency is paid. If your employment ends, you’re generally credited with commission on sales that became legally enforceable before the exclusive agency period expired, once the agency receives its own. On a contract, your contract sets what you’re paid after you stop.
How a policy treats that pay if it lands during a claim is set out in its PDS, so it’s worth reading before you choose a waiting period. We can read those terms with you and weigh any pay still to come against the cover you’re considering, and the insurer assesses any claim.
Under the Real Estate Industry Award, a commission-only employee’s paid leave, including sick leave, is paid at no less than their base rate of pay, which is the award’s minimum wage for their classification. That can be less than what you usually earn from sales.
Income protection may help with the difference, paying part of your income after a waiting period if illness or injury stops you working. If you’re injured at work or made sick by it, workers compensation is separate, through a state, territory or Commonwealth scheme, if eligible. We can compare waiting periods with you against the leave you’d be paid, and the insurer decides on any application.
Start with the window a policy looks at. Income protection usually bases the benefit on your earnings in the 12 months before the illness or injury, so a salary and your first sales income could both sit inside it. Some policies only cover you if you work a minimum number of hours each week, which matters if you’ve worked part-time.
Your duties change too, from inspections and tenancies to appraisals and open homes, so they’re worth describing accurately on any application, along with checking any cover in your super. We can look at each of these with you around the move, and the insurer decides on any application.
On a contract you won’t have paid sick leave, so savings may need to carry you through any income protection waiting period. An agency may still have to pay your super if you’re paid mainly for your labour and skills rather than a result, and you do the work yourself, but not if the contract is with your company, trust or partnership. Your accountant or the ATO can confirm where you stand.
Income protection premiums paid outside super are generally deductible, which your accountant can confirm, and at claim an insurer can ask for financial statements. We can check any cover in super with you before the move and compare personal cover alongside it.
Comparison sites are quick and can show several options side by side, built from the answers you give a form.
Advice can add a closer read of how each policy defines income, which month a sale is counted in, any minimum weekly hours rule and any cover in your super funds. We start from your pay as it arrives, your share under your agreement and your household costs, then compare policies from a wide range of insurers with you. 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. We start with how your work runs, how you’re paid, whether that’s a wage, commission-only or a contract, 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. Worth bringing along: recent commission statements and payslips, or tax returns and financial statements on a contract, your written agreement or contract, each fund’s statement and any policy you hold. We’ll work out the next steps with you from there.
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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