Life Insurance and Income Protection for Stevedores and Waterside Workers
Income Protection for Stevedores and Waterside Workers and Their Families
Cover for wharf work turns on your shifts and duties, how you’re employed, and what any agreement, workers compensation or super provides. We can help you line up each layer, compare cover and lodge a claim with you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Set out how your week splits between lashing, hold work, plant, cranes and the office for any cover application
- Lay out base pay, penalties, overtime and double headers so an income protection application shows how you earn
- Map what workers compensation, any accident pay and any agreement income protection would each pay for
- Read what any agreement income protection relies on before any change of employer, a redundancy or a move off the wharf
- Look at income protection for casual work, where the allocation moves your shifts and hours from week to week
- Weigh income protection waiting periods against the paid leave you actually have, whether you work casual shifts or hold a permanent role
- Read TPD definitions inside super and out, own occupation usually only outside it, for a move into planning, supervising or clerical work
- Consider trauma cover for a serious diagnosis that would stop your shifts, paid from your own money as new cover outside super
- Line up the nominations across the funds and policies a wharf career collects, each naming eligible people or your estate
- Bring your payslips, shift records and duty details together for any insurance claim we lodge with you, then follow it up
Who We Help
- Casuals on the allocation still building towards regular shifts
- Permanent wharf employees on a full week or a minimum or average number of shifts
- Lashers and hold gangs securing cargo and working below deck
- Crane and straddle operators and forklift drivers moving boxes across a terminal
- Wharf clerks and planners and the refrigeration and gate teams at the berth
- Fitters and electricians looking after heavy lifting gear on the quay
- Labour hire workers placed on the wharf through an agency
- Supervisors and long-serving workers stepping away from the physical side
- Spouses and partners wanting a policy in their own name
What we advise on
How Each Cover Works Around Wharf Work
Income Protection
With your shifts on hold through illness or injury, how could the household keep up with the bills?
Income protection can replace part of your income after a waiting period, helping the household with bills while you recover.
We’ll compare income protection with you for pay that can include base rate, shift penalties and double headers.
After a waiting period, income protection can pay a percentage of your pre-tax income while illness or injury keeps you from working, subject to the policy’s terms. The benefit is usually based on your earnings in the 12 months before the illness or injury, and each policy has its own definitions of disability and income. Most policies offer waiting periods from 14 days to 2 years, and insurers usually ask about your age, job and income.
What we work through with you on income protection:
- Night and weekend penalty rates, overtime and double headers, and which of them a policy’s income definition picks up
- Thin allocation weeks or time between employers inside the year leading up to an illness or injury, and their effect on a benefit
- The leave balance on your latest payslip, or the casual loading in its place, weighed before you pick a waiting period
- Income protection paid for under some agreements for non-work illness or injury, set beside any cover of your own
- Accident pay or agreement payments for the same weeks off, which may cut a personal benefit as each PDS sets out
- Any lashing, hold, straddle, crane or office work you do when applying, set beside the wording each policy uses to define disability
- Lighter duties or fewer shifts on a gradual return, and any partial payment a policy may make while pay rebuilds
- Paying the premium yourself or from your super balance, and how your accountant treats a deduction on cover outside super
Life Insurance
Would the people at home manage the costs your pay now covers, if you were no longer here?
A lump sum from life cover can go to your beneficiaries, helping with debts, everyday bills and plans already made.
Together, we’ll total your debts and household costs to arrive at a life cover amount.
Life insurance can pay a lump sum to your beneficiaries if you pass away, and some policies include a terminal illness benefit. Insurers usually ask about your age and job when you apply. When life cover is packaged with TPD or trauma, a payment on another claim in the package may reduce the life amount, and without a nominated beneficiary, your estate or the super trustee may decide where the payment goes.
What we work through for life cover:
- Any mortgage, car loan or other debt your wharf pay helps service, totalled for the lump sum
- Life cover a past wharf or labour hire employer’s default fund may still hold, included when we total what you have
- Who each fund would pay if you passed away, written down for eligible people or your estate
- A trauma or TPD payment that may shrink a bundled life sum, checked before you count on the full figure
- Gang work in the holds, plant driving or a desk role, set down plainly when you apply for life cover
- A spouse or partner at home who wants life cover in their own name, compared at the same sitting
- Whether a life policy pays early on a terminal illness diagnosis, and the medical conditions the insurer would need met
- The sum revisited after a new home, a move to another stevedoring employer or a redundancy payout
TPD Insurance
Which plans would you want funded if you were unable to return to wharf work, or any work, again?
TPD cover can pay a lump sum if you meet the policy’s definition, to help clear debts and keep plans going.
We’ll weigh TPD definitions with you against the skills and experience wharf work builds.
TPD insurance can pay a lump sum if illness or injury leaves you unlikely to work again. Own occupation looks at your usual job; any occupation looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super. If an award covers you, unused personal leave may be paid out when your super fund accepts you as totally or permanently disabled; an agreement may set different terms.
What we compare with you for TPD:
- How any occupation TPD wording treats physical wharf duties, and own occupation only where offered for your work, generally outside super
- Any years of planning, supervising or clerical work on the wharf, and how any occupation wording may weigh them
- Any TPD sitting in more than one fund from casual years, each fund deciding its own claim under its own wording
- The job title a fund holds for you if you leave the physical side, updated with the fund if wrong
- A TPD payout bundled with life cover, and what may remain of the life sum afterwards
- Unused personal leave paid out if your fund accepts you as totally or permanently disabled, if an award covers you
- Any home loan, other debts and the cost of adapting a house or car, all weighed when sizing TPD for a wharf household
- One-off TPD money and ongoing income protection payments, matched so each does a different job for the household
Trauma Insurance
Should a serious diagnosis come, what could help with treatment bills and the shifts you’d miss?
Trauma cover can pay a lump sum when a listed condition meets the policy’s definition and isn’t excluded.
We’ll read through a trauma policy’s listed conditions with you, and how a lump sum fits with income protection.
Trauma insurance can pay a lump sum for a listed critical illness or serious injury, and the medical definitions behind each condition can differ between insurers. New trauma cover can’t be held inside super, which has been the rule for policies written since 1 July 2014. If you were in a fund that offered trauma cover before then, you may still have it, so your statement is worth checking.
What we read with you in a trauma policy:
- Which serious illnesses each insurer names, and the tests its definitions set before anything is paid
- Smaller part payments for early-stage conditions, where offered, weighed when you pick how much cover to hold
- A new trauma policy held outside super, paid from your own pocket, and sized with pay that swings with the allocation in mind
- Money for the gap between a diagnosis and the first income protection payment, which a trauma sum could help fill
- Casual work with no sick leave to draw on, and a trauma amount sized for treatment weeks off the allocation
- A bundled life amount that a trauma payout may shrink, set out from the policy wording
- Pre-2014 trauma benefits some super funds still carry, confirmed on your latest member statement
- Trauma premiums, which the ATO doesn’t let you deduct, with any tax question on a payout taken to your accountant
Cover in Super
Across each super fund you hold, does the cover reflect the work and pay you have today?
Reading each fund’s cover together can show what you hold now, and what could suit the work you do.
We’ll check the cover in each of your funds with you before anything is changed.
Most funds give life and TPD cover automatically from age 25, and some include income protection, though cover may not start on a balance under $6,000 unless you ask. Default cover inside super can usually be issued without medical checks, though it may carry pre-existing condition rules set out in the fund’s PDS, and increasing it is usually underwritten like any other application. Premiums come off your balance, and TPD cover usually ends at 65 and life cover at 70.
What we look at in your super with you:
- Any super left behind at a past stevedoring stint or labour hire placement, and whatever insurance each account may hold
- Whether a fund still lists you as doing physical wharf work after a move into planning or the office, corrected with the fund if not
- Double headers and penalty weeks lifting your pay, and whether default life and TPD amounts still suit that income
- Any super fund income protection, and whether penalty rates and double headers count towards what it insures
- Any fund a wharf employer chose for you, with its insurance compared before you move to another fund
- Premiums for each fund’s cover coming off your balance, counted across every fund you’d keep after a job change
- Merging old wharf accounts only after comparing each one’s insurance, and checking which fund a new employer will pay into
- How long you’d like to stay on the wharf, set beside the age TPD cover in super usually stops at 65
Workers Compensation and Agreement Cover
Between workers compensation, any agreement cover and cover of your own, which one would pay for what?
Seeing each layer side by side, with what it relies on, can show where cover of your own could fit.
We’ll map each layer with you, from workers compensation and any accident pay to agreement cover and cover of your own.
Workers compensation is separate, through a state, territory or Commonwealth scheme. It’s for employees injured or made sick by their work, if eligible. If an award covers you, accident pay can top it up for up to 52 weeks from the injury, less pay for modified duties or reduced hours, ending if a lump sum replaces weekly compensation; an agreement may set different terms. Some agreements include income protection for non-work illness or injury, relying on the employer paying in.
What we map with you across each layer:
- A work injury or an illness caused by work, assessed by the workers compensation scheme if you’re eligible
- Accident pay’s limits if an award covers you, such as pay for modified duties and a lump sum settlement, or an agreement’s own terms
- Income protection in some agreements for illness or injury away from work, with its terms read alongside any of your own
- What any agreement cover relies on, such as the agreement itself and an employer paying in for you
- A change of employer or a new agreement, with what happens to any agreement cover asked about first
- Workers compensation or agreement payments for the same time off, which may reduce a personal income protection benefit
- Super contributions kept up for up to 52 weeks of a work-injury absence on workers compensation while employed, if an award covers you
- Whether cover of your own is needed for any gap between layers, such as time off beyond any accident pay
Casual and Permanent Work
What could open up for your cover if you move from casual shifts into a permanent role?
Looking at your cover at each change of employment type can help it match the leave and pay you have.
We’ll look at your cover with you each time your employment type changes.
Casual employees don’t get paid sick leave, or most other paid leave and redundancy pay. If an award covers you, leave for a permanent employee on a minimum or average number of shifts accrues on hours actually worked, and you may choose to cash out all or part of any sick leave above 28 days as at 1 July; an agreement may set different terms. Some income protection policies need a minimum number of weekly hours.
What we look at with you at each change:
- Casual shifts across the 12 months before an illness or injury, and the income a policy would base a benefit on
- No paid sick leave as a casual, and a waiting period weighed against any savings you could draw on
- Hours that rise and fall with the allocation, set against any minimum weekly hours a policy requires
- A move from casual shifts into a permanent role, and the paid leave that starts to build from it
- Any sick leave above 28 days as at 1 July, which you may choose to cash out in part or full if an award covers you
- Agreement cover for casuals, checked against what any agreement you work under says about eligibility
- Labour hire placements on the wharf, and which employer and agreement apply to any cover
- Each change of employment type as a prompt to look at your cover and super again
Making a Claim
When the time comes to claim, what support would make each step easier?
Support with the forms, the records and the follow-up can let you put your energy into your recovery.
We’ll prepare and lodge a claim with you, then follow it up while the insurer or fund assesses it.
For cover through an employment arrangement, Moneysmart suggests starting with your employer; for cover arranged through a financial adviser, with the adviser. Insurers can ask for doctors’ reports, payslips, tax returns and details of your duties, physical requirements and weekly hours. The insurer or fund assesses each claim. If you disagree with a decision, you can complain to the insurer or super fund first, then to the Australian Financial Complaints Authority (AFCA).
How we help with a claim:
- The employer behind agreement cover, the trustee of each fund and any insurer you hold a policy with, each contacted in its own way
- Any agreement cover claim, made through that cover’s own process, with your employer or the cover’s administrator the place to ask how it works
- Lashing, hold, plant or office duties and your shift pattern, described accurately for the insurer
- A year of payslips showing penalties and double headers, gathered for an income protection claim
- Test results and GP notes, requested by the insurer with your agreement, both at the start and for updates through a claim
- Workers compensation payments for a wharf injury, noted for your insurer, the claim made with your employer and handled by the scheme
- Progress reports the insurer requests while income protection pays, including on a return to modified duties or lighter shifts
- Reviews of a decision you disagree with, asked of the insurer or fund trustee first, then a complaint to AFCA if needed
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your role and duties: Insurers usually ask about your job when you apply. Lashing and hold work, driving plant, operating cranes, terminal maintenance and clerical or planning work involve different duties, so how your week splits between them is part of describing it accurately.
- Your shifts and hours: Nights, weekends and double headers can all make up a week on the wharf. Some policies only cover you if you work a minimum number of hours each week, so how your shifts fall is worth setting out, and checking again if they drop.
- How you’re paid: Income protection usually looks back at your earnings in the 12 months before an illness or injury. Each policy defines the income it counts, so penalties, overtime and double headers may or may not be included.
- How you’re employed: Casual and permanent wharf work come with different paid leave, which matters when you choose a waiting period. Casual employees don’t get paid sick leave.
- Which layers can pay: For a work injury, workers compensation if you’re eligible, plus any accident pay an award or agreement provides. Any agreement income protection is for an illness or injury away from work. Cover in super and cover of your own can pay on their own terms whether or not the cause was work, though other payments for the same time off may reduce an income protection benefit.
- Cover through an agreement: Any income protection in an agreement relies on the agreement and on the employer paying in for you, so what happens to it after a change of employer is worth asking about first.
- A move off the physical side: A move to supervising, planning or clerical work changes your duties. The occupation recorded on a policy or in a fund, and how a TPD definition would read your new role, are both worth checking.
- A redundancy or leaving the wharf: Cover tied to an agreement or an employer may not continue after you leave, and any cover in super stays on the fund’s terms. Each is worth reading before you decide.
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 Wharf Work, Worked Through Together
Duties and Shifts Set Out for an Application
Lashing, hold, plant, crane or office work and your shift pattern, described in full on any application.
Each Layer of Cover Mapped
Workers compensation, any accident pay, any agreement cover, each fund and any policy, listed with what each relies on.
Shift and Penalty Pay Set Out for Income Protection
Base pay, penalties, overtime and double headers laid out against how each policy defines income.
A Waiting Period Weighed Against Your Leave
Any paid leave and savings you hold, set against the waiting periods a policy offers.
Agreement Cover Read Before a Change of Employer
What any agreement income protection relies on, asked about before you move employer or take a redundancy.
Cover Looked At if You Move From Casual
Your cover and super looked at again if you move from casual shifts into a permanent role.
TPD Definitions Weighed for a Move Off the Physical Side
Any occupation wording, and own occupation if an insurer offers it, read against any planning, supervising or clerical experience.
An Insurance Claim Lodged With You
Shift records, payslips and duty details gathered, and the claim lodged with you and followed up while it’s assessed.
Proactive, Holistic, and Experienced Financial Planning
Getting to know how your work on the wharf runs comes first: the shifts and rosters, the work you do, the people at home and what you’d like your cover to look after over the years. Each type of cover is explained in plain terms, with your questions answered as they come. We go at the pace that suits you and your household, and every choice about your cover stays with you.
We can handle much of the paperwork alongside you. With your consent, we can request insurance details from any fund that holds cover for you, gather fund statements, PDSs, payslips and any agreement cover documents, and follow up with insurers while they assess an application. A partner is welcome to join any conversation, and if you ever need to claim, we’ll lodge it with you and keep in touch until the insurer decides.
Every financial decision impacts the next
Your Financial Life Is Connected
Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.
Your
Wealth
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
Frequently Asked Questions
Ryker’s financial advisers are licensed to give personal advice under Synchron Advice’s Australian financial services licence (AFSL 243313). We start with you: your work on the wharf, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Wharf work can mean pay built from shifts and penalties, casual or permanent employment, duties from lashing to cranes, and any cover through an agreement or workers compensation. Each can affect how an insurer assesses an application and how a policy pays, so they’re all 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.
Each one pays on its own terms. Workers compensation is separate, through a state, territory or Commonwealth scheme, and it’s for employees injured at work or made sick by their work, if eligible. Where an award or agreement provides accident pay, it tops up workers compensation for a limited time.
Some agreements include income protection for illness or injury away from work, which relies on the agreement and the employer paying in. Its terms, including who is eligible, are worth checking with your employer.
Cover of your own sits on its policy terms, and other payments for the same time off may reduce what it pays. The scheme, any agreement cover and your own insurer each decide their own part, and we can map the layers with you.
Casual work is one of the details an insurer weighs, along with your duties, hours, earnings and health, and the insurer decides each application and its terms.
A few things are worth setting out. Casual employees don’t get paid sick leave, so a waiting period is weighed against any savings. Some policies only cover you if you work a minimum number of hours each week, and the benefit is usually based on earnings in the 12 months before an illness or injury, so shifts that rise and fall matter. Some agreements include income protection for casuals, with eligibility set by the agreement.
We can compare policies with you on each of these points.
Through the policy’s definition of income. Income protection usually bases a benefit on your earnings in the 12 months before an illness or injury, and each policy sets out which earnings it counts, so weekend and night penalties, overtime and double headers may or may not be included.
When pay moves with the allocation, the months inside that window matter, and payslips across the year show how your pay is built. Insurers usually ask about your income when you apply, as well as your age and job.
We can read the income definitions of several policies with you and set them against how you’re paid. The insurer decides what it offers.
Each layer follows its own terms. Cover that comes through an agreement or an employer may not continue after a redundancy or a move away from the industry, so the employer is the one to ask before you decide.
Cover in super stays on the fund’s terms, with premiums coming off your balance while it continues; TPD cover in super usually ends at 65 and life cover at 70. Any personal policy runs on its own wording, and fresh personal cover would mean a new application, which the insurer assesses at the time.
Before you accept an offer, we can line the layers up with you and show where any gap may open.
TPD cover looks at whether you meet the policy’s definition. 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, so planning, supervising or clerical experience is worth setting out.
If an award covers you, it provides for your unused personal leave to be paid out when your super fund accepts you as totally or permanently disabled; an agreement may set different terms. Any sick leave cashed out earlier would leave less to pay out.
The fund or insurer decides a TPD claim. We can read the definitions in each fund and policy with you, and lodge a claim with you if it comes to that.
Quotes online work from the answers you type in, which keeps them quick. What a quote form leaves out is the rest of your cover: workers compensation, any accident pay or agreement income protection, and each super fund. It may not weigh how a policy’s income definition treats weekend penalties and double headers.
Advice looks at those layers first, then compares cover from a wide range of insurers against your duties, shifts and how you’re employed. The insurer decides on any application and its terms.
Your accountant and financial adviser bring different expertise to the same decisions. Your accountant can advise on tax reporting, structures and consequences; we help you plan how cashflow, debt, super, investments and protection work towards your goals. We can coordinate before important decisions.
What an accountant does
- Prepares and lodges tax returns, BAS and financial statements
- Advises on tax structures such as companies, trusts and partnerships
- Manages bookkeeping, payroll and ATO compliance
- Provides tax advice on the consequences of a transaction
What a financial adviser does
- Sets a long term strategy across retirement, investing and cash flow
- Builds wealth from early in a working life, starting with cash flow, a first home and super
- Recommends specific super funds, investments and personal insurance
- Operates under an Australian Financial Services Licence, which is required to give personal advice on financial products
- Handles retirement planning, Centrelink and aged care strategy, and estate planning considerations
Professional roles and authorisations matter. We provide financial advice within our authorisations and work with your accountant for specialist tax advice and lodgements.
Where they work together
- Tax position. Your accountant confirms your marginal rate, deductions and carried forward losses, which shapes decisions on super contributions, investment structures and the timing of asset sales.
- Business and entity structures. Your accountant advises on the structure itself and your financial adviser works within it for investments, insurance and succession planning.
- Cash flow. Your accountant’s figures can help us understand what’s available for debt repayment, protection and longer-term goals.
- Before key decisions. We can coordinate with your accountant on contributions, asset sales and other material choices in time to consider relevant tax consequences.
Yes. Casual or permanent, new to the wharf or years in, we begin with your work and what matters to your household.
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 along a few recent payslips, your super statements and anything you’ve been given about agreement cover or a personal policy, and we’ll talk through where to go from there.
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