Life Insurance and Income Protection for Vets and Vet Nurses
Income Protection for Vets and Vet Nurses and Their Families
Your animal work, any on-call hours, how you’re paid, whether you’re employed, a locum or an owner, and any cover in super shape your cover. We’ll help you check any cover, compare and apply, and lodge claims with you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Set out your small animal, mixed, equine or production work and weekly hours on an insurance application
- Check how an income protection policy counts a vet nurse’s overtime and penalties, or a vet’s extra hours
- Find out whether insurance in your super has started, if you joined a fund under 25
- Weigh part-time or casual nursing shifts against any minimum weekly hours an income protection policy sets
- Read how an income protection policy defines illness, including one caught from animals such as Q fever
- Weigh own and any occupation TPD wording against biosecurity, research or teaching roles a vet degree opens
- Look at sick leave, super and any cover with you before a move from employed work into locum shifts
- Weigh any home loan or practice buy-in loan for life and TPD cover, and any HELP debt for TPD alone
- Review cover at a buy-in, a practice sale or a move into government, industry or teaching work
- Lodge a claim with you, gathering your duties, on-call hours and payslips or locum financial statements
Who We Help
- Graduate vets starting a first supervised contract in practice
- Vet nurses in a first role after finishing a nursing certificate
- Part-time and casual vet nurses whose shifts and pay change from week to week
- Rural and mixed practice vets seeing horses, cattle and sheep on farm calls
- Emergency hospital teams of vets and nurses on overnight and weekend shifts
- Locum vets working on an ABN across different practices
- Interns and residents in further veterinary training after graduating
- Practice owners and partners buying in, running a clinic or preparing to sell
- Vets and vet nurses moving into government, industry, research or teaching roles
What we advise on
How Each Cover Works Around Veterinary Work
Income Protection
When an illness or injury keeps you out of the clinic, how might part of your income keep coming in?
Income protection can pay part of your income after a waiting period, helping the household keep going while you recover.
Together, we’ll compare income protection around how you’re paid and the animal work you do.
Subject to the policy’s terms, income protection can pay part of your income after a waiting period if an illness or injury stops you working. Moneysmart notes the benefit is usually based on your earnings in the 12 months before the illness or injury, and that each policy defines disability in its own way. Most policies offer a waiting period between 14 days and 2 years.
Where veterinary work meets an income protection policy:
- Q fever or another infection caught from animals at work, and whether a claim for it would meet the policy’s terms
- Hurt handling stock on a farm call, and any workers compensation that could offset part of an income protection payment
- Overtime and weekend penalties from consults and surgery lists, as shown on a vet nurse’s payslip, read against how income is defined
- A vet’s salary with any annual allowance for extra hours, if an award covers you, checked against the income definition
- Clinic days for a vet nurse dropping to two or three, checked against any weekly minimum written into the wording
- Months away from the clinic on parental leave, and how a policy calculates earnings across a year that includes them
- Easing back into consults without large animal or after-hours work, where a policy offers to pay part of the benefit
- Year-end tax on income protection premiums you fund personally, which your accountant can confirm against vet or nursing pay
Life Insurance
Could your loved ones keep up with the home, the bills and any practice loan if you were no longer here?
A lump sum paid to your beneficiaries can go towards any debts and the household costs your income meets now.
We’ll add up any debts with you, and who relies on your income, to work out 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. For cover in super, the benefit can only go to eligible people or your estate, and a valid binding nomination directs the trustee where one is in place.
What we add up with you for life cover:
- Any home loan, ute finance or personal loan still owing, weighed when choosing a life cover amount for anyone relying on you
- Life cover sized against any loan taken to buy into a practice, and who would carry it if you weren’t here
- Any insurance in a fund opened at university or by a first clinic employer, counted before a life amount is chosen
- A household relying on your income after a move to a rural practice, if that applies, and what a lump sum would replace
- A terminal illness benefit, which some life policies include, and whether it could clear a practice loan or other debts sooner
- Any life cover held personally, which moves with you between clinics or into locum work, read on its own terms first
- Your vet or vet nurse income set against what the household spends, to show how many years a lump sum may need to cover
- Buying in, a rural move or selling up, each a point to resize life cover against what you then owe
TPD Insurance
Should you never be able to work with animals again, which plans would you want to keep?
TPD can pay a lump sum, as the policy defines total and permanent disability, towards debts and the plans ahead.
Together, we’ll read own and any occupation definitions against veterinary work and the other roles your training suits.
A TPD policy can pay a lump sum if an illness or injury leaves you unable to work again, as the policy defines it. Moneysmart describes own occupation as the job you were working in before your disability, and any occupation as any job suited to your education, training or experience. Own occupation is usually only available outside super, and which definitions an insurer offers can depend on the occupation.
What we weigh with you for TPD:
- Whether an insurer offers an own occupation definition for veterinary surgery, consulting or nursing, compared with broader wording
- Jobs in biosecurity, animal welfare policy, pharmaceutical companies or universities that a veterinary degree opens, and whether an any occupation test counts them
- A vet nurse’s certificate and clinic experience, and which other roles an any occupation test might treat as suited to them
- Any TPD in super from an earlier clinic job, with its definition checked against the veterinary work you do now
- A shift from clinical work to practice management or teaching, and how a TPD policy then describes what you do
- A TPD sum matched to what any buy-in loan, home loan or study debt from vet school would leave owing
- Physical demands of equine, production or surgical work, described in full so a TPD assessment sees the whole role
- How tax applies to a TPD lump sum from a fund, worked out with an accountant for your circumstances
Trauma Insurance
While you recover from a serious illness, how might the bills be met away from the practice?
Where a listed condition meets the policy’s definition and isn’t excluded, a trauma lump sum can help with treatment and recovery costs.
We’ll explain each condition a trauma policy lists with you, and how a lump sum sits beside income protection.
Trauma insurance can pay a lump sum when a listed condition meets the policy’s definition and isn’t excluded, and Moneysmart notes that 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.
What we look at with you in a trauma policy:
- The way two insurers word the same listed condition, set side by side before a vet or vet nurse applies
- A trauma sum set with a practice partner, if a buy-sell agreement drafted by a solicitor expects one
- Wages for a relief vet at a practice you own, during treatment and recovery, counted into the trauma amount
- Treatment costs that health cover doesn’t meet, such as travel from a rural practice to a city hospital
- The lump sum sized for months on reduced hours after treatment, such as consulting only, without surgery or farm calls
- Wording in an existing trauma contract, compared line by line with today’s ahead of any switch
- A household or practice budget that carries trauma premiums, since a fund can’t hold new trauma cover
- A vet nurse’s wages or a vet’s salary paused during treatment, set against the bills a lump sum would need to meet
Cover in Super
Has any cover in your super started yet, and does it suit the veterinary work you do now?
Reading each fund’s insurance terms together shows what you hold before you keep, change or add to it.
We’ll read any cover in your super with you and set out changes in a financial plan, or Statement of Advice.
Insurance through super doesn’t start automatically for a new member under 25, or with a low balance, unless you ask the fund for it. 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.
What we check in your super with you:
- A first fund chosen at graduation or for a first nursing job under 25, and whether its insurance has begun
- Turning on fund insurance by request, and the medical underwriting a bigger amount usually needs afterwards
- Cover bought in units, or a fixed sum, measured against a vet nurse’s wage, a vet’s salary and any practice debt
- Cover in any fund your practice pays into, checked when you change clinics, go locum or reduce your hours
- Any treatment from before membership began, and how each fund’s PDS treats earlier conditions under automatic insurance
- Premiums deducted from a super account that part-time or casual nursing pay builds more slowly
- Cover in an old fund from a previous practice, read before you combine accounts or close one
- Any personal policy outside super lined up with fund cover, so a vet or vet nurse can see what each one covers
Working With Animals
What should an insurer know about the animals you work with and where you see them?
An accurate picture of your work from the start helps an insurer assess an application on the right facts.
We’ll describe your veterinary work with you on an application, as fully as each question asks.
Insurers usually ask about your job when you apply, and which definitions and benefit periods are offered can depend on the occupation. 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 about your work:
- Small animal, mixed, equine or production work, and roughly how a usual week divides between them
- Surgery, consulting and nursing time set apart from any management, teaching or administration time
- After-hours and on-call work in an emergency hospital or rural practice, if your role includes it
- Driving between farms or stables during rostered work, which can count towards a vet’s hours if the award covers you
- Handling, lifting and restraining animals in a nursing role, described as part of the physical side of the job
- Work with livestock or horses, and any illness you’ve had from animals, described plainly on the application
- A second job or locum shifts at another clinic, listed alongside your main veterinary role
- A later change of practice, species mix or hours, and when it’s worth reviewing how cover describes your work
Locums, Associates and Owners
Between employed work, locum contracts and owning a practice, what would keep your cover in step with each?
Reviewing cover each time your arrangement changes can help it fit the way you’re engaged.
We’ll compare cover with you around how you’re engaged, whether as an employee, a locum or an owner.
Moneysmart notes that self-employed people don’t get paid sick leave, and suggests checking how a move from employee to self-employed affects any cover through super. On a contract, a business may still have to pay super if you’re paid mainly for your labour, for your own skills rather than a result, and you do the work yourself. A contract made with your company, trust or partnership is different: the practice doesn’t have to pay super for whoever that entity employs.
What we work through with you on how you’re engaged:
- Paid sick leave for permanent employees, and none for casual staff or an ABN locum, weighed when choosing a waiting period
- A locum contract in your own name, checked against the three ATO tests for whether the practice pays super
- Super contributions to plan yourself when a locum agreement is with your company or trust rather than with you
- Financial statements and tax returns that show locum income to an insurer, in place of payslips
- Workers compensation, which is generally for employees, and whether a scheme treats a locum as a worker, a question for the scheme
- Any proof of indemnity and public liability insurance a practice gives you, which isn’t income cover and which we don’t advise on
- Life and TPD sized for a buy-in loan or personal guarantee, if you’re taking a share in a practice
- Cover reviewed before a buy-in, a sale to a veterinary group or any stay-on period that follows
Making a Claim
If a claim is ever needed, what support could make each step clearer?
Support with the forms and the insurer’s questions can make each stage of a claim easier to follow.
We’ll lodge a claim with you, then keep in contact with the insurer while it assesses it.
Moneysmart suggests that if you bought cover through a financial adviser, you speak to them first. An insurer can ask for medical reports, details of your work duties, including physical requirements, and your weekly hours, along with payslips and tax returns, or financial statements if you’re self-employed. The insurer assesses the claim, and a complaint goes to the insurer or, for cover in super, the fund, then to AFCA if it isn’t resolved.
What we gather and follow up with you on a claim:
- Consults, surgery lists or nursing shifts in a usual fortnight, set out for the period before you stopped working
- On-call shifts and travel between properties, shown through rosters, logbooks or practice records, if your work includes them
- Overtime and penalty rates on a vet nurse’s pay records, or a locum’s business accounts, as proof of earnings
- Notes on a zoonotic illness or a handling injury, read by the insurer with your permission while assessing the claim
- Each fund holding cover from past clinic or hospital jobs, contacted with you, as the trustee has a role in any claim
- A practice owner’s claim, with drawings and profit records from the practice entity set out for the insurer
- Weeks back on reduced consults or without after-hours work, and the forms an insurer may request during that time
- Statements from a practice manager or employer about your role and hours, if the insurer asks for them
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- The animals you work with: Insurers usually ask about your job when you apply. Whether you see small animals, horses, cattle or a mix, the clinical and handling work in a usual week is worth describing accurately, so an application reflects the veterinary work you do.
- Your hours and on-call: Some policies only cover you if you work a minimum number of hours each week. Your usual hours, and any after-hours or on-call work, are worth setting out, and worth checking again if you move to part-time shifts.
- How you’re paid: Income protection is usually based on your earnings in the 12 months before an illness or injury. Whether your pay includes a vet nurse’s overtime and penalties, a vet’s allowance for extra hours or locum invoices, the policy’s definition of income decides what counts.
- Illness as well as injury: Income protection looks at illness as well as injury, as each policy defines them, and the federal health department names veterinary work among the occupations at higher risk of Q fever. Workers compensation is a separate scheme, and its payments may reduce an income protection benefit.
- Starting out: Insurance through super doesn’t start automatically for a new member under 25, or with a low balance, unless you ask the fund for it. A first graduate or nursing role is worth a check of whether any cover has started, and of what applying outside super would involve.
- Going locum: Locum work on an ABN means no paid sick leave, and whether a practice pays your super depends on the ATO’s tests for contractors. An insurer may ask for financial statements and tax returns as evidence of your income, rather than payslips.
- Buying in or owning a practice: Taking a share in a practice can add a loan, a personal guarantee and running costs to what your income supports. Life and TPD amounts may need to grow with that debt, and business expenses cover, a separate policy some insurers offer, is for eligible practice costs rather than your own pay.
- A move away from clinical work: A move into government, industry, research or teaching can change your duties, hours and pay. How a policy records your occupation, and how an any occupation TPD test looks at roles your veterinary training suits, are worth reading before and after the move.
This isn’t every point, and none of them settles anything by itself. We start by learning how and where you work, and the insurer makes any decision on cover.
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 Veterinary Work, Worked Through Together
Your Animal Work Set Out
Small animal, mixed, equine or production work, and the handling in it, described accurately on any application.
On-Call and Penalty Pay Read
Overtime, penalties, extra hours or any allowance checked against how each income protection policy defines income.
Super Cover Checked at the Start
Whether any cover in your super has started, checked with you in a first graduate or nursing role.
Part-Time Hours Weighed
Part-time or casual nursing shifts set against any minimum weekly hours a policy asks for.
Locum Income Ready to Show
Financial statements and tax returns gathered so an insurer can see how you earn as a locum.
Practice Debts Sized Into Cover
Any loan taken to buy into a practice added up when life and TPD amounts are worked out.
Veterinary Training Read Against TPD
Own and any occupation wording read with you against clinical work and the other roles veterinary training suits.
A Claim Lodged With You
A claim prepared and lodged with you, the records gathered and the insurer followed up while it assesses.
Proactive, Holistic, and Experienced Financial Planning
Every conversation begins with what you tell us: the work you do, how you earn and what you’d want cover to do for anyone who relies on you. Whether you work in a clinic, on farm calls, across locum shifts or outside practice, we explain each type of cover in plain terms, answer your questions as they come and go at a pace that suits you. Our recommendations usually come to you in writing, and the decisions stay yours.
We handle the forms alongside you, from the first application to any review. With your consent, we can ask any super fund for its insurance details, prepare what an application needs and follow up with the insurer while it assesses it. A partner, family member or practice partner is welcome to join any conversation, and if a claim is ever needed, we lodge it with you 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.
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 veterinary work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Veterinary work can mean handling and restraining animals, after-hours and on-call hours, pay that moves with overtime, penalties or locum invoices, and a change from employee to locum or owner. Each can affect how an insurer assesses an application and how a policy pays, so these are part of what we look at.
With a financial adviser, you also have:
- Access to a wide range of insurers, who can assess the same health details differently
- Help preparing your application and answering the health questions with care
- Advice on whether to hold cover inside or outside super, and the trade-offs
- Reviews as your health, family and work change
- Someone in your corner if you ever need to claim
Going directly to an insurer can mean no separate advice fee, but you’ll only see that insurer’s policies, and you’ll generally receive general advice only, which doesn’t consider your personal circumstances.
Going through an online comparison site or broker, you may see more options side by side, but they also generally provide general advice only, which doesn’t consider your whole financial picture.
When we give you personal advice, the law requires us to act in your best interests, which we take personally. The insurer still decides whether to offer cover and on what terms.
We’re invested in your long-term success. What we do is personal, and we take it personally.
Your financial decisions connect, so we consider the parts of your financial life that are relevant to the advice you need:
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
This is how we help you make decisions today with your longer-term goals in view.
Everybody’s situation is different, so we listen first, understand what matters to you and explain your options clearly before we make a recommendation.
If the Animal Care and Veterinary Services Award covers you, it requires the employer, on request, to give associates written proof that it holds professional indemnity and public liability insurance covering them for their duties with that employer. Business.gov.au describes professional indemnity insurance as helping cover the cost of legal action from claims against your professional advice or services. Questions about the practice’s cover go to the practice or its insurer, and we don’t advise on it.
Income protection is personal cover, held in your name or through super. It can pay part of your own income after a waiting period if an illness or injury stops you working, subject to the policy’s terms. We can look at income protection with you as a need of its own.
The federal health department names veterinary work among the occupations at higher risk of Q fever, an illness that can be caught from animals. Income protection looks at illness as well as injury, so if an illness of this kind kept you from consults or shifts, it would be read against the policy’s definition of disability, and the insurer would assess any claim.
Workers compensation is separate, through a state, territory or Commonwealth scheme, and a policy may say that payments from a scheme reduce an income protection benefit. We can read each policy’s definitions with you, and set out your work with livestock, horses or small animals accurately on an application.
Moneysmart says insurance through super doesn’t start automatically if you’re a new member under 25, or your balance is low, unless you contact the fund and ask for it. A first graduate vet or vet nurse role is a natural time to look.
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. If you hold more than one fund, each has its own insurance terms. We can check with you what each fund holds, and what applying for cover outside super would involve.
Some policies only cover you if you work a minimum number of hours each week, so part-time or casual nursing shifts are worth setting beside that test before you apply. Income protection is usually based on your earnings in the 12 months before an illness or injury, so a stretch of fewer shifts, or any parental leave, in that year can change the figure.
How overtime, weekend penalties and shift pay count depends on how the policy defines income, and pay that moves from week to week is worth setting out in full. We can compare policies with you against the hours you work and how you’re paid.
Moving from employee to locum on an ABN means no paid sick leave, and Moneysmart suggests checking whether the move affects any insurance cover through super. On a contract, a business may still have to pay super if you’re paid mainly for your labour, for your own skills rather than a result, and you do the work yourself. A contract made with your company, trust or partnership is different: the business doesn’t have to pay super for whoever that entity employs.
An insurer may look at locum income through financial statements and tax returns. Whether a workers compensation scheme treats a locum as a worker is a question for the scheme. We can review any cover with you before you start.
Moneysmart describes any occupation as being unable to work in any job suited to your education, training or experience, and own occupation as being unable to work again in the job you were working in before your disability. A veterinary science degree can suit roles in government, biosecurity, research, industry or teaching, so an any occupation test may look further than clinical practice.
Own occupation cover is usually only available outside super, and an insurer may offer it for selected occupations only, so which definitions you’re offered is the insurer’s decision. We can read each definition with you against the veterinary work you do and the roles your training suits.
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. From a first graduate or nursing role to owning a practice, we start with the veterinary work you do and how you earn.
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. You’re welcome to bring super statements, insurance documents, a few payslips or locum financial statements, and any associate or locum agreement. Health information isn’t needed at this stage, and together we’ll choose where to start.
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