Life Insurance and Income Protection for Welders and Metal Trades
Income Protection for Welders and Metal Trades and Their Families
Pay that moves with shifts, special rates and shutdowns, how you’re engaged and any cover through work and super shape your cover. We can help you match cover to your pay, check any cover held and lodge claims with you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Describe the welding processes, settings and any tickets you hold accurately on a cover application
- List each layer of your pay, from shift loadings to special rates, for an income protection application
- Read which pay layers, such as casual loading and shutdown pay, a policy’s income definition counts
- Check a policy’s minimum weekly hours against casual, labour hire or shutdown work
- Size an income protection waiting period against accrued sick leave, or against savings when casual work has none
- Map any cover held through each employer, labour hire firm and super fund you’ve worked through
- Look at any insurance through work and super before you take a site, refinery or plant job
- Check super and any cover before you start welding for yourself on an ABN
- Weigh TPD definitions against a later move into inspecting, supervising or teaching
- Collect payslips and a full account of your welding duties for a personal insurance claim, then follow each step up with the insurer
Who We Help
- Metal trades apprentices in boilermaking, fabrication or sheet metal
- Shop and factory welders working days, afternoons or nights on the floor
- Site boilermakers and pipe welders on power station, refinery and plant construction
- Coded and pressure welders whose welds are tested and certified
- Shutdown and maintenance crews including casual and labour hire workers
- Fitters and sheet metal workers in metal manufacturing and repair
- Welders working for themselves with a mobile rig, on an ABN or through a company
- Leading hands still on the tools for part of the week
- Welders changing direction into inspection, drafting or teaching
What we advise on
How Each Cover Works Around Metal Trades Work
Income Protection
Were illness or injury to keep you out of the welding bay for a while, how would the household bills be met?
Income protection can pay part of your income after a waiting period, so regular costs keep being met while you recover.
Together, we’ll compare income protection around how metal trades pay is built and how your work runs.
Income protection can pay part of your income if illness or injury stops you working, usually based on your earnings in the 12 months before the illness or injury, and each policy has its own definitions of income and 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 a set number of years or to an age.
What we work through with you on income protection:
- Base rate and any shift loadings, special rates for hot or confined work, or overtime, each tested against a policy’s income definition
- Overtime on shutdowns and call-outs, and whether a policy counts irregular overtime as insured income
- A big shutdown or a slow patch at the shop, either of which can shape the 12 months before an illness or injury
- Leave owed by an employer, or savings for casual welders, matched to the waiting period you pick
- Long shutdown weeks and quiet stretches across a year, read against any weekly hours floor in a policy
- How a PDS treats workers compensation received for the same weeks, which may cut the amount paid each month
- Default income protection some funds include, with the waiting and payment lengths the fund’s insurance terms offer or set by default
- Where the premiums come from, super or your own money, and the tax position your accountant can confirm
Life Insurance
How would anyone relying on your welding pay keep up with the costs it covers now if you were no longer here?
A lump sum paid to your beneficiaries can go towards debts, everyday costs and plans already made.
We’ll work out 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. With no beneficiary named, your estate or the super trustee may decide where the money goes, and life cover sold in a package may be reduced by another claim paid under that package.
What we work through for life cover:
- A home loan, ute finance or welding gear bought on credit, totalled so the lump sum reflects what’s owed
- Any old life cover left in funds from previous fabrication shops or shutdown contracts, traced before anything is rolled over
- Any binding nomination type the trustee accepts, for eligible people or your estate, and kept valid as your life changes
- Bundled life and TPD, where paying a TPD claim may shrink the life benefit still in place
- Boilermaking, fabrication or pipe welding named plainly on a life application, because insurers ask what you do
- If you share a household, a partner’s own life policy weighed alongside yours against any mortgage and household bills
- Terminal illness cover, if offered, and the specialist reports needed to support a claim
- The sum insured revisited after a house purchase, a new baby or a shift from the workshop to site
TPD Insurance
Which plans would still need money behind them if you could never work again?
TPD cover can pay a lump sum for debts and plans if you’re unable to work again, as the policy defines it.
We’ll weigh TPD definitions with you against the skills and experience a metal trade builds.
TPD cover can pay a lump sum if illness or injury means 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 usually ends at 65, and a TPD payout may reduce any life cover packaged with it.
What we compare with you for TPD:
- A TPD test tied to your usual job in the metal trades, compared with one reaching any suitable work
- Coded welding tickets, crew supervision or inspection work, and how any occupation wording may count that background
- Disability definitions in any fund left behind by an old fabrication job, read before any decision to close it
- The job title a fund or insurer holds for you, if you step up to leading hand or inspector
- Bathing, dressing, feeding and other daily tasks, as a separate TPD definition some policies use in place of an occupation test
- One contract holding TPD and life, where a TPD payout may leave less for your beneficiaries
- A TPD figure matched to any mortgage and car debts, revisited whenever either debt moves
- TPD for permanent incapacity beside income protection for time off, sized as a pair for a skilled trade
Trauma Insurance
Following a serious diagnosis, how might treatment and weeks away from the workshop or site be paid for?
Trauma cover can pay a lump sum towards treatment and recovery when a listed condition meets the policy’s definition and isn’t excluded.
We’ll read through 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. 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 exact meaning a policy gives each illness on its trauma list, checked so you know what a claim would need
- Part-payment for a less advanced illness, which some trauma contracts pay at a set share of the cover
- Trauma premiums coming from your personal bank account, because a new trauma policy can’t be bought through super
- A trauma sum sized around bills that keep coming when any shutdown or overtime income stops
- Life and trauma combined in one package, so a paid trauma benefit may leave less life insurance in place
- Household bills through an operation and recovery as a casual or self-employed welder, with no paid sick leave to draw on
- A long-held trauma policy, with the terms it was first issued on weighed against current options
- How trauma premiums and any lump sum are taxed, a question your accountant answers for your situation
Cover in Super
Across each super fund you’ve joined through work, does any cover still fit what you do now?
Each fund’s statement and PDS can show any cover you hold, so you can keep what suits your work now.
We can review the cover in each fund and set out any changes in a financial plan, or Statement of Advice.
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 are deducted from your super balance, and if you hold more than one account, you may not be able to claim the full benefit from more than one.
What we look at in your super with you:
- Any accounts opened by different fabrication shops, sites and labour hire firms, each listed with any insurance it carries
- Any insurance attached to a fund a former employer chose, read against the welding or fabrication you do today
- An apprentice’s request for cover in super, needed under 25 or on a low balance unless automatic cover applies to the job
- The occupation a fund has recorded for your metal trades work, and asking the fund to correct a wrong classification
- Health history a fund may exclude from default cover, set out in its PDS and checked against your own
- Premiums leaving any balance that carries cover, weighed up beside the sum insured each fund provides
- Consolidating accounts only once any life, TPD or income protection in each fund has been compared
- Raising default cover above its set amount, a step that generally involves the insurer assessing your health
Casual, Labour Hire and Shutdown Work
When work comes through casual shifts, labour hire or shutdowns, how could cover fit the way that work runs?
Knowing what pay, leave and cover you have between jobs can help you plan cover around how the work arrives.
We’ll look at any cover with you around casual, labour hire and shutdown work, and what each arrangement provides.
Casual employees aren’t entitled to paid sick leave. If you work through labour hire, your labour hire employer, not the host site, is responsible for your pay and entitlements. Whether a policy’s income figure includes casual loading is a matter for its own wording, some policies only cover you if you work a minimum number of hours each week, and how a policy treats time between jobs is worth reading in its PDS.
What we look at with you on casual and labour hire work:
- Any savings that could carry you through a waiting period, since casual employees don’t get paid sick leave
- Casual loading built into your rate, and whether a policy’s income figure includes that loading
- Hours across a full year of shutdown and quieter work, compared with any weekly minimum a policy sets
- Time between shutdowns or jobs, and how a policy’s PDS treats someone between engagements
- Super and any cover through your labour hire employer, which pays you whichever host site you’re on
- A move to a new labour hire employer, and the fund your contributions go to when you start
- Shutdown travel and any mine site work, described as it is on a cover application
- Workers compensation questions taken to your employer or the scheme, with any personal cover planned alongside
Shop, Site and Your Own Rig
Moving from the shop to site work, or starting to weld for yourself, what could change for any cover you hold?
Checking before the move can show what carries over and what’s worth looking at again.
Together, we’ll review any cover before a move to site or plant work, or onto your own ABN.
Workshop and on-site construction work can fall under different awards or agreements. On an ABN there’s no paid sick leave, and 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 result, and you do the work yourself, but not under a contract with your company, trust or partnership.
What we check with you before the move:
- A different award or agreement on site, and any cover an employer or agreement provides, confirmed with the employer
- Any work at height or in confined spaces, described accurately on a cover application
- Cover held in the fund your new employer pays into, read before you start the new job
- Insurance through your super, checked before you leave employment to weld on your own
- Super on a contract under the ATO’s three tests, unless the contract is with your company, trust or partnership
- Invoices, tax returns and business records gathered for an income protection application, alongside your accountant
- A company or trust for a mobile welding business, with the structure itself advised on by your accountant
- Rig, tools and public liability insurance, left with a general insurance broker who can advise on it
Making a Claim
Through the forms and follow-up of a claim, who could stay beside you from start to finish?
Having someone gather the papers and chase updates with you can make a claim easier to manage.
We’ll lodge a claim with you and stay with it 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, the hours you work each week, and payslips and tax returns, or financial statements if you’re self-employed. The insurer assesses the claim, and a complaint goes first to the insurer or super fund, then to AFCA.
How we help with a claim:
- Your first call on a claim, worked out from the paperwork showing who arranged each cover
- Welding duties on the claim form, from overhead work in a vessel to lifting on the shop floor, set out plainly
- Payslips from shop or shutdown work showing any loadings, or a mobile rig’s invoices and returns, collected to show income
- GP, surgeon or physio reports on the welding work you can’t do, which the insurer will ask your consent to collect
- Paperwork for any personal cover lodged with you, while workers compensation for harm in the welding bay rests with the scheme
- Retraining or a move into inspection during a long claim, raised with the insurer before the change
- A gradual return to the workshop on fewer hours, and whether a policy pays a partial benefit through that period
- Complaining to the fund or insurer first if you disagree with a claim outcome, then to AFCA, which costs you nothing
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- What you weld, and where: Insurers usually ask about your job when you apply. A shop fabricator, a pipe welder at a refinery and a structural welder at height do quite different work, so the processes, settings and any tickets you hold are part of describing it accurately.
- Your hours across the year: Some policies only cover you if you work a minimum number of hours each week, so how your hours fall across busy shutdowns and quieter weeks is worth setting out.
- Loadings and special rates: Income protection is usually based on your earnings in the 12 months before an illness or injury. Whether any shift loadings, special rates, overtime or casual loading are counted is set by the policy’s own definition of income.
- Heavy, hot and hands-on work: Lifting, awkward positions, heat and any work at height are part of the physical requirements an insurer can ask about at claim, so describing them as they are gives a true picture of the job.
- Casual or labour hire work: Casual employees don’t get paid sick leave. If you work through labour hire, your labour hire employer, not the host site, is responsible for your pay and entitlements, so any cover through work sits with that employer and your fund.
- Shop, site or your own rig: A move from the workshop to on-site construction can mean a different employer, award or agreement. Working on an ABN means no paid sick leave, and any cover through your super is worth checking before you start.
- Inspecting, supervising or teaching: A move into one of these roles can mean the duties a fund or insurer has on record no longer match your work, and the record is updated by telling them. A new role can also change how a TPD any occupation definition may read your experience. Any dip in pay while you retrain could fall inside the 12 months before an illness or injury that income protection usually looks at.
- 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. 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 Metal Trades Work, Worked Through Together
Your Welding Duties and Tickets Set Out
The processes you weld, where you work and any tickets you hold, described in full on any application.
Pay Layers Set Out for Income Protection
Base rate, loadings, special rates and any casual loading laid out against each policy’s income definition.
Cover Across Employers and Funds Mapped
Any cover through each employer, labour hire firm and super fund, listed together in one place.
Minimum Hours Checked Against Shutdown Work
A policy’s weekly hours terms read against how your work falls across a full year.
Cover Reviewed Before Site or ABN Work
Any cover through work and super looked at before you move to site or start on an ABN.
TPD Definitions Weighed for a Later Role
Own and any occupation wording read with you against inspecting, supervising or teaching work.
Super Nominations Kept in Step
Nominations for eligible people or your estate looked at again after a job, fund or family change.
Claim Support From Lodging to Decision
Forms, payslips and follow-up worked through with you while the insurer assesses a claim.
Proactive, Holistic, and Experienced Financial Planning
Good cover starts with understanding how your work runs. We listen first: shop or site, shutdowns or steady hours, an employer or your own rig, and what you’d like your cover to do. Then we talk through each type of cover in plain terms, take your questions as they come and fit our conversations around your working week. You’ll get our recommendations in writing, and what you act on is always your call.
The paperwork is something we work through together. With your consent, we can gather payslips, fund statements, PDSs and any employer cover documents, and follow up with funds and insurers so the chasing doesn’t fall to you. Your partner or someone else in your family can sit in on our conversations too, in person or on a call after a shift. If a claim is ever needed, we’ll lodge it with you and keep you updated until the insurer has made its decision.
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 welding or metal trades work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Metal trades work can mean pay built from loadings and special rates, casual or labour hire engagement, shutdowns with gaps between them, and moves between the shop, site and your own ABN. Each can affect how an insurer assesses an application and how a policy pays, so your duties, hours, engagement and pay are part of what we look at.
With a financial adviser, you also have:
- Access to a wide range of insurers, who can assess the same health details differently
- Help preparing your application and answering the health questions with care
- Advice on whether to hold cover inside or outside super, and the trade-offs
- Reviews as your health, family and work change
- Someone in your corner if you ever need to claim
Going directly to an insurer can mean no separate advice fee, but you’ll only see that insurer’s policies, and you’ll generally receive general advice only, which doesn’t consider your personal circumstances.
Going through an online comparison site or broker, you may see more options side by side, but they also generally provide general advice only, which doesn’t consider your whole financial picture.
When we give you personal advice, the law requires us to act in your best interests, which we take personally. The insurer still decides whether to offer cover and on what terms.
We’re invested in your long-term success. What we do is personal, and we take it personally.
Your financial decisions connect, so we consider the parts of your financial life that are relevant to the advice you need:
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
This is how we help you make decisions today with your longer-term goals in view.
Everybody’s situation is different, so we listen first, understand what matters to you and explain your options clearly before we make a recommendation.
It depends on your hours, your income history and the policy’s terms. Income protection can pay part of your income after a waiting period if illness or injury stops you working, usually based on your earnings in the 12 months before the illness or injury. Some policies only cover you if you work a minimum number of hours each week.
Casual employees don’t get paid sick leave, so savings or other support may carry you through a waiting period. If you work through labour hire, your labour hire employer is responsible for your pay and entitlements, whichever host site you’re on, so any cover through work sits with that employer and your fund. We can compare policies with you on each point, and the insurer decides on any application.
Each policy sets its own definition of income, so its wording decides whether any shift loadings, special rates, overtime or casual loading are counted. The benefit is usually based on your earnings in the 12 months before the illness or injury, so a heavy run of shutdowns or a slower stretch can both sit inside that window.
With pay built in layers, it helps to set out each one from your payslips before comparing policies. We can read the income definitions with you across a wide range of insurers, and the insurer decides on any application and what it offers.
That depends on the policy’s terms, so it’s worth reading how its PDS treats time between jobs. To be paid, you must be unable to work because of your illness or injury at the end of the waiting period, and some policies only cover you if you work a minimum number of hours each week.
If your work comes in bursts, setting out how your hours and income fall across a whole year gives a clearer picture than one busy month. We can read these terms with you before you choose a policy, and the insurer assesses any claim against them.
Start with who employs you and how you’re paid. On-site construction work can fall under a different award or agreement from workshop work, and any cover an employer or agreement provides is a question for that employer. 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.
Your duties may change too, such as work at height, in confined spaces or away from home, so they’re worth describing accurately on any application. We can look at any cover you hold with you before the move, and compare personal cover alongside it.
It’s the test an any occupation TPD definition uses. Rather than asking only whether you could return to welding, it looks at whether you could do any job suited to your education, training or experience, so tickets, supervision or inspection work could be part of what the insurer considers. An own occupation definition looks at your usual job instead, and is usually only available outside super.
The policy wording decides how the test applies, and the insurer assesses each claim on its own facts. We can read the definitions in each fund and policy with you, and compare options.
Cover in super usually doesn’t start automatically for a new member under 25, or with a low balance, unless they ask the fund for it, or the fund gives automatic cover for a dangerous job. Where cover does apply, it’s usually for a set amount, and premiums are deducted from the super balance.
It’s also worth checking the occupation your fund has on record, contacting the fund if it has classified you incorrectly, and naming eligible people or your estate in any nomination. We can look at any cover in your fund with you, and at personal cover alongside it.
A quote is built from the answers typed into a form, so it’s fast, though it won’t look at how loadings and special rates fit each policy’s idea of income, or what sits in each super account.
Personal advice looks at the whole of your working life: shop or site, casual or permanent, shutdowns or steady weeks, plus your household costs and any existing insurance. We then weigh up policies from a wide range of insurers with you, and the insurer has the final say on any application.
Your accountant and financial adviser bring different expertise to the same decisions. Your accountant can advise on tax reporting, structures and consequences; we help you plan how cashflow, debt, super, investments and protection work towards your goals. We can coordinate before important decisions.
What an accountant does
- Prepares and lodges tax returns, BAS and financial statements
- Advises on tax structures such as companies, trusts and partnerships
- Manages bookkeeping, payroll and ATO compliance
- Provides tax advice on the consequences of a transaction
What a financial adviser does
- Sets a long term strategy across retirement, investing and cash flow
- Builds wealth from early in a working life, starting with cash flow, a first home and super
- Recommends specific super funds, investments and personal insurance
- Operates under an Australian Financial Services Licence, which is required to give personal advice on financial products
- Handles retirement planning, Centrelink and aged care strategy, and estate planning considerations
Professional roles and authorisations matter. We provide financial advice within our authorisations and work with your accountant for specialist tax advice and lodgements.
Where they work together
- Tax position. Your accountant confirms your marginal rate, deductions and carried forward losses, which shapes decisions on super contributions, investment structures and the timing of asset sales.
- Business and entity structures. Your accountant advises on the structure itself and your financial adviser works within it for investments, insurance and succession planning.
- Cash flow. Your accountant’s figures can help us understand what’s available for debt repayment, protection and longer-term goals.
- Before key decisions. We can coordinate with your accountant on contributions, asset sales and other material choices in time to consider relevant tax consequences.
Yes. Shop, site or your own rig, we start with the work you do, how you’re paid and what you’d like protected.
There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Useful to have on hand: recent payslips with loadings and special rates, or invoices and tax returns on an ABN, plus super statements and any labour hire or workplace insurance papers. From there, we’ll settle on a practical way forward together.
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