Life Insurance and Income Protection for Scaffolders, Riggers and Steel Fixers
Income Protection for Scaffolders, Riggers and Steel Fixers and Their Families
Work at height and under loads, pay that moves with each project, and each change of employer can shape your cover. We can help you compare and apply for cover, check any cover held and lodge claims with you.
Financial Advice for Life Insurance and Income Protection
Who We Help
- Scaffolders on tube and coupler, modular, cantilevered or suspended scaffolds
- Doggers slinging loads and directing lifts on crane crews
- Riggers on structural steel, precast and tilt slab lifts
- Reo crews tying steel for slabs, columns and walls
- Daily hire employees who may start with a new employer on each project
- Weekly hire and casual workers on scaffold, rigging and reo crews
- Labour-only subcontractors supplying scaffold, rigging or reo crews to builders
- Trainees under 25 who may be joining a super fund for the first time
- Crew leaders spending less of the week at height as a leading hand or supervisor
We Can Help You
- Set out any scaffolding, dogging or rigging licences you hold, and the work you actually do, on a cover application
- Choose an income protection waiting period against any sick leave you’d have early in a new job
- Test multistorey and certificate allowances against each income protection wording before you apply
- Weigh income protection and TPD wording for a scaffolder or rigger who could work on the ground but not at height
- Trace any cover left in funds by past scaffold or rigging employers or labour hire firms
- Go through an insurance offer with you, including any exclusion or alternative terms, before you decide
- Check super and any insurance in it before any move to a labour-only contract
- Read TPD any occupation wording against a step from the tools to leading hand, supervising or training crews
- Name eligible people or your estate in super nominations as projects, employers and funds change
- Bring payslips and duty details from each employer together for a personal insurance claim, and follow it with the insurer or fund to a decision
What we advise on
How Each Cover Works Around Scaffold, Rigging and Reo Work
Income Protection
Suppose illness or injury stopped you climbing, rigging or tying reo for a while: how would the bills at home be paid?
Part of your income can be paid by income protection after a waiting period, helping the household while you can’t work.
We’ll compare income protection with you around project-to-project work and pay that changes with the building.
Income protection can pay part 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, and each policy has its own definition of disability. Waiting periods can run from 14 days to 2 years, and you must be unable to work at the end of the waiting period to be paid. Benefits can run for two or five years, or to an age.
What we work through with you on income protection:
- Waiting periods from 14 days to 2 years, set against the savings a scaffold or rigging household could draw on
- Savings to carry you through a waiting period, alongside any follow-the-job loading built into a daily hire rate
- Multistorey and certificate allowances on your payslips, and whether a policy treats them as insured income
- A high-rise job followed by a low-rise or civil one, since both can fall in the 12 months before an illness or injury
- Long weeks as a tower nears completion and any gap before the next project, read against a minimum hours term
- Accident pay, where your award includes it, alongside workers compensation, and any policy terms that may reduce the benefit for those weeks
- A benefit period of two or five years or to an age, weighed against any loans a scaffold or rigging household carries
- Paying for income protection out of take-home pay on a scaffold or rigging crew, or through super, with an accountant confirming the tax
Life Insurance
Should you no longer be here, how would your loved ones keep up with the costs your pay covers now?
Your beneficiaries could receive a lump sum to put towards debts, everyday costs and plans already made.
We’ll size a life cover amount with you from any debts, anyone relying on your pay 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 you haven’t named a beneficiary, your estate or the super trustee may decide where the money goes, and life cover sold in a package may be reduced by any amount paid on other claims in that package.
What we work through for life cover:
- Any loans and finance taken on during a run of high-rise pay, totalled so the life amount is set against them
- Any old life cover left in funds from past employers or labour hire firms, traced before any account is closed or rolled over
- Nominations across any funds your daily or weekly hire employers paid into, for eligible people or your estate
- A three-in-one policy holding life, TPD and trauma, with the PDS read for how one payout changes the others
- Dogging, rigging, scaffold or reo work named on a life application exactly as you do it, with any licences behind it
- Cover a partner holds, if there is one, sized with yours around a crew household’s bills and loans
- A life policy’s terminal illness payment for a crew member, where offered, and the specialist letters it needs
- The life sum looked at again at a first home, a baby or a move from scaffolds to leading hand
TPD Insurance
What would still fund your home and the years ahead if you could never work again?
A TPD lump sum can help with debts and later years if you can’t work again, as the policy defines it.
We’ll weigh TPD definitions with you against any licences you hold and the crew work you’ve done.
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, TPD cover in super may end at an age limit, often earlier than life cover, and a TPD payout may reduce any life cover packaged with it.
What we compare with you for TPD:
- Own occupation wording tied to scaffold or rigging work, set beside any occupation wording that reaches other jobs
- Any licences, crew leading or training others, and how education, training or experience wording may count them
- How any crew or labour hire super account defines total and permanent disability, checked before you decide to close it
- Any TPD in super that may end at an age limit, often earlier than the life cover beside it
- An everyday-tasks TPD test some policies use instead of asking about scaffold or rigging work, read in full with you
- TPD and life sold together, read for what a TPD payout may leave in life cover for the people at home
- A TPD lump sum sized around any mortgage or car loan taken on from project pay, and reset when they change
- TPD and income protection worked out as one plan for crew work: one for a lasting stop, one for time off the tools
Trauma Insurance
How might weeks away from the project be paid for if you were diagnosed with a serious illness and needed treatment?
For a listed condition that meets its definition and isn’t excluded, trauma cover can pay a lump sum towards treatment costs.
We’ll read what a trauma policy lists with you, and how it 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. Medical definitions can be different between insurers, and a trauma payout may reduce any life cover packaged with it. 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:
- The trauma list itself, and how strictly a policy defines each condition before it would pay
- Smaller part payments some policies make for an early form of a listed condition, and how they affect the rest
- Crew pay funding any new trauma policy, since it has to sit outside super, unlike the default life and TPD a fund may provide
- A trauma lump sum as a bridge to the end of an income protection wait, when a new project leaves any leave thin
- Trauma riders on a life policy, and whether a payout for a listed condition trims the life sum left in place
- Treatment costs for casual crew members and labour-only subcontractors on their own ABN, who have no paid sick leave behind them
- An older trauma policy’s wording, issued on its own terms and worth reading before changing or replacing it
- Weeks off a steel or precast job for treatment, and costs a trauma lump sum could meet that income protection may not
Cover in Super
Across any super funds you’ve been paid into, could any cover fit the work you do now?
Reading each statement and PDS side by side shows what you hold, if anything, and which parts suit your work.
We’ll check any cover in your super funds with you before anything is changed.
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. 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. Premiums are deducted from your super balance.
What we look at in your super with you:
- Any cover in a fund chosen by a past scaffold or rigging employer, read against the height and load work you do now
- Any accounts from crews, labour hire firms and builders, and whether a claim could be paid from more than one
- Starting out on a scaffold or rigging crew before 25, when cover in super may only begin if you ask for it
- The job title on file at each fund, checked against the scaffold, rigging or reo work you do and updated if it’s out of date
- Any earlier time off with an injury, and whether a fund’s PDS leaves it out of the automatic cover it provides
- A balance built on daily or weekly hire contributions, and how much of it insurance premiums use up
- Merging any crew and labour hire accounts only once you know which one carries insurance worth keeping
- A higher sum insured in super after a home loan or a baby, which usually brings health questions from the insurer
Daily Hire, New Employers and Your Cover
If work moves from one project and employer to the next, how could your cover keep step?
Knowing what leave and cover you have in the first weeks of a job can help you plan ahead.
We’ll look at your cover with you around daily hire, a new employer and any weeks between projects.
If an award covers you, daily hire is its own type of employment, not casual, and the daily hire rate includes a loading for periods out of work between jobs. Paid sick leave usually builds from your first day with each employer, unless you move across in a transfer of business, and isn’t paid out when employment ends. Where your award includes the rule, an unclaimed balance continues if your employer ended the employment and re-engages you within 6 months.
What we look at with you as work moves between employers:
- Daily hire and casual work told apart, along with the paid sick leave each one does or doesn’t carry
- Any sick leave in the first weeks with a new employer, which may be small when a waiting period begins
- An unclaimed sick leave balance that continues if the employer who ended your job re-engages you within 6 months, where your award includes this rule
- A waiting period weighed against the lean weeks early in a job, as well as the weeks with a full balance
- The follow-the-job loading in a daily hire rate, and any savings it helps build for the gaps between jobs
- One day’s notice as a job finishes, and where your cover, leave and savings stand on that day
- Any cover through an employer or agreement, which may not continue when you leave, confirmed with that employer
- Labour hire work, where your labour hire employer, not the host site, pays you and provides your entitlements
Tickets, Heights and Loads
When you apply for cover, how could any licences you hold and the work you actually do be set out?
Describing your work as it is gives an insurer a clear picture of the job you do.
We’ll describe any licences you hold and your duties with you before any application.
The model WHS Regulations set separate high risk work licences for basic, intermediate and advanced scaffolding, dogging, and basic, intermediate and advanced rigging. Basic rigging covers structural steel erection and precast concrete members, intermediate rigging covers tilt slabs, cranes and dual lifts, and steel fixing isn’t a listed licence. 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.
What we set out with you before you apply:
- Any scaffolding, dogging or rigging licences you hold, and the ones you actually work under day to day
- Suspended or hung scaffold work, described on an application the way you do it
- Structural steel erection, precast panels and tilt slab lifts, each set out with the part you play
- Reo work on slabs, columns and walls, described in full when there’s no licence to point to
- Time at height and under suspended loads across a usual week, set out as the work actually runs
- Each application question answered with reasonable care, with anything unclear asked before you submit
- An insurer’s offer with an exclusion or alternative terms, read through with you before you decide
- A later move to supervising or training, and keeping the duties a fund or insurer holds up to date
Making a Claim
From the first claim form to the insurer’s decision, who could be there with you?
Support with the forms, papers and follow-up can make a claim easier to manage.
We’ll lodge any claim with you and follow it up while the insurer or fund assesses it.
Moneysmart suggests speaking first to whoever arranged the cover: the fund, the insurer, a financial adviser or, for cover through work, your employer. An insurer can ask for details of your work duties, including physical requirements, weekly hours, and payslips and tax returns, or financial statements if you’re self-employed. You can ask about urgent help or an advance payment. 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:
- Speaking first to whoever arranged the cover, which for cover through work is your employer, before any scaffold or rigging paperwork starts
- Heights worked, loads handled and weekly hours on scaffold, rigging or reo crews, described as the job ran before you stopped
- Each employer’s payslips, with any multistorey or certificate allowances shown, or invoices and returns for labour-only work
- What your doctors say about the climbing, slinging or tying you can’t do, which you may provide yourself or an insurer may collect with your consent
- A scaffold or load injury, with any workers compensation claim run on its own and income protection or TPD forms filled in with you
- Accident pay, where your award includes it, which that award says isn’t affected if employment ends while it’s being paid
- Ground work in the yard or at the base of the scaffold while you can’t climb, and any partial benefit a policy may pay then
- Insurer requests for payslips, licences or more medical detail, answered with you one by one
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 licences and duties: Insurers usually ask about your job when you apply. Any scaffolding, dogging or rigging licences you hold and the work you actually do under them are part of describing it accurately, and reo work is described on its own terms.
- Time at height and under loads: How much of a usual week you spend at height, on suspended scaffolds or under suspended loads is worth setting out as it is. At claim, an insurer can ask about your duties, including their physical requirements.
- Height money and allowances: Income protection is usually based on your earnings in the 12 months before an illness or injury. Whether multistorey allowance, a certificate allowance or overtime count is set by each policy’s own definition, and an allowance paid on one job may not follow you to the next.
- Daily hire and a new employer: If an award covers you, daily hire is its own type of employment, not casual work. Paid sick leave usually starts again with a new employer, unless you move across in a transfer of business, such as a takeover where you keep doing the same work, and isn’t paid out when a job ends, so the leave behind a waiting period depends on where you are in the job.
- Your hours across a project: Some policies only cover you if you work a minimum number of hours each week, so long weeks on a project and any gaps between projects are worth setting out.
- Going labour-only: On an ABN, or working through your own company, there’s usually no employer’s sick leave behind you, and income for a claim is shown through tax returns or financial statements. Moneysmart suggests checking any insurance through your super before you move from employee to self-employed.
- Leading a crew or training others: A move to leading hand, supervising or training can mean the duties a fund or insurer has on record no longer match your work, and the record is updated by telling them. It can also change how a TPD any occupation definition may read your experience.
- An injury, time off or lighter duties: Workers compensation is separate, through a state, territory or Commonwealth scheme, for employees injured at work or made sick by their work, if eligible. Where your award includes it, accident pay may also apply. Other payments may reduce an income protection benefit, and an insurer may ask about any claim under way.
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 Scaffold, Rigging and Reo Work, Worked Through Together
Your Licences and Duties Set Out
Any scaffolding, dogging or rigging licences you hold and the work you do, described in full on any application.
A Waiting Period Weighed Against a New Job
Any sick leave you’d have early with a new employer, set beside the waiting period you choose.
Height Money Read Against Income Definitions
Multistorey allowance, a certificate allowance and overtime, laid out against what each policy counts.
Cover Through Every Fund and Employer Listed
Any cover held through employers, labour hire firms and super funds, gathered in one place.
An Insurer’s Offer Read Before You Decide
Any exclusion or alternative terms explained with you, and the decision to accept stays yours.
Cover Looked At Before Labour-Only Work
Super and any cover in it checked before any move to contracting through an ABN or a company.
TPD Definitions Weighed for Crew Leading
Own and any occupation wording read with you against leading hand, supervising or training work.
A Claim Lodged With You, Assessed by the Insurer
Forms, payslips from each employer and follow-up worked through with you while the insurer decides.
Proactive, Holistic, and Experienced Financial Planning
We begin with how your scaffold, rigging or reo work runs from one project to the next. We listen first: the project you’re on, the crew, who employs you, any licences you hold and what you’d like your cover to do. Then we explain each type of cover in plain terms, take your questions at your pace and fit our conversations around your days on site. Our recommendations usually come in writing, so you can read them after a day with the crew on site.
Paperwork from each employer and fund is something we sort through with you. With your consent, we can gather payslips from each employer, fund statements, PDSs and any employer or agreement cover documents, then follow up with funds and insurers so less of the chasing lands on you. A partner or another family member is welcome to join our conversations, in person or by phone. If a claim is ever needed, we’ll lodge it with you and keep you updated while the insurer assesses it.
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 Scaffolders, Riggers and Steel Fixers
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 scaffolding, rigging or steel fixing work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Scaffold, rigging and reo work can mean a new employer with each project, sick leave that may start again with each one, allowances that change with the building, and licences that differ from your daily duties. Each can affect how an insurer assesses an application and how a policy pays, so we look at your duties, hours, employment and pay.
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 how you’re employed and any award or agreement that covers you. Sick leave isn’t paid out when employment ends, and with a new employer it usually builds again from your first day, unless you move across in a transfer of business. Where your award includes this rule, your unclaimed balance continues if your employer ended the employment and re-engages you within 6 months. Daily hire under an award isn’t casual work, while casual employees get no paid sick leave.
To be paid income protection, you must be unable to work because of your illness or injury at the end of the waiting period, so any savings can matter early in a new job. We can compare waiting periods with you, and the insurer decides on any application.
That’s set by each policy’s own definition of income, so its wording decides whether multistorey allowance, a certificate allowance or overtime count. The benefit is usually based on your earnings in the 12 months before the illness or injury.
Where your award includes it, multistorey allowance is paid to employees on site while a building of 5 or more storeys goes up, steps up as the structure rises and continues at the top until the building is finished. The next job may be low-rise or civil, so the allowance may not follow you, and one 12-month window can include both. We can set out each payslip’s allowances and read the income definitions with you across a wide range of insurers, and the insurer decides on any application.
It depends on the offer and what you need the cover to do. An application can be offered on standard terms, with a premium loading, with an exclusion for a named condition, deferred for a period, or declined. The insurer decides.
If you’re offered alternative terms, the insurer explains what they are, how long they’re meant to apply, and that you can ask for a review if your circumstances change (Life Code 2025, insurers that subscribe). We can read the offer with you, set it beside any cover you hold in super and look at other options across a wide range of insurers. The decision to accept is yours.
Each policy answers that through its own definitions. Income protection has its own definition of disability, so whether being unable to do part of your work counts depends on the wording, and some policies offer a partial benefit if you return on fewer hours or lighter duties.
For TPD, 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, which could include work on the ground. Own occupation cover is usually only available outside super. We can read the definitions in each policy and fund with you, and the insurer assesses each claim on its own facts.
It depends on how you’re set up and the policy’s definition of income. If you’re self-employed, an insurer can ask for tax returns or financial statements to show what you earned, and there’s usually no employer’s sick leave behind a waiting period.
Super depends on the contract. A business contracting with you as an individual may have to pay your super if you’re paid mainly for your labour, for your own skills rather than a specified result, and you do the work yourself, but not under a contract with your company, trust or partnership. Your accountant can confirm your position. We can compare income protection with you on each point, and the insurer decides on any application.
A quote screen is quick, and it works from the answers typed into it. It may not pick up that sick leave may start again with each new employer, how a policy’s wording treats multistorey allowance, or that cover may already sit in more than one super account.
Advice looks at the whole crew picture: daily hire, weekly hire, casual or labour-only, any licences behind your scaffold, rigging or reo work, your household costs and any existing cover. We then weigh options across a wide range of insurers with you, and the final call on any cover is the insurer’s.
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 begin with the crew work you do and how each employer pays you, whether you’re on daily hire, weekly hire, casual or a labour-only contract.
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. If you can, bring along: the last few pay records from each employer with any multistorey or certificate allowance shown, any sick leave balance, any scaffolding, dogging or rigging licences, super account summaries, any employer or agreement insurance papers and any existing cover, or your ABN billing and tax records. We’ll take it from there with you, one step at a time.
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.
Book An Initial Conversation