Life Insurance With a Women’s Health Condition
Cover for You and Your Family With a Women’s Health Condition
Endometriosis, PCOS, fibroids or a pregnancy can shape what an insurer asks about income protection, life, TPD and trauma cover. We can help you set out your history, prepare an application and check any cover you already hold.
Our Financial Advice Team Is Here to Help You
We Can Help You
- Set out how often any symptoms take you from work, and any surgeries, before an income protection application
- Compare income protection definitions and your chosen waiting period with symptoms that come and go
- Plan the order of applying for cover around a pregnancy or fertility treatment
- Use any gynaecological or cervical screening questionnaire an insurer offers, filled in with you for cover
- Explain the wording of any endometriosis or gynaecological exclusion before you accept the cover
- Check what an income protection policy says about pregnancy and childbirth claims
- Ask an insurer to review a gynaecological exclusion on your cover after treatment such as a hysterectomy
- Check any insurance in your super before parental leave or a career break begins
- Go through the original terms of cover started before an endometriosis or PCOS diagnosis
- Lodge an income protection claim after surgery or time off, or a trauma claim for a listed condition, with you
Who We Help
- People living with endometriosis or adenomyosis and missing days at work because of symptoms
- Adults living with PCOS and wanting to know what an application may ask about it
- Anyone with fibroids or cysts or heavy periods, and looking at income protection
- People who are pregnant now and want to know what applying for cover would involve
- Anyone planning a pregnancy or in fertility treatment, and thinking about the order of applying
- People who had pre-eclampsia or another complication in a past pregnancy, preparing for the health questions
- Those told to rescreen in 12 months, or whose breast lump was found benign
- Adults after a hysterectomy or other gynaecological surgery, reviewing their protection
- Anyone on parental leave or a career break, with questions about any cover in super
Gynaecological, breast and pregnancy history
Your History in Your Own Words
What We’d Like to Learn With You
- Endometriosis: how it was diagnosed, any surgery or other treatment, and how any symptoms affect your work
- Adenomyosis: when it was diagnosed, any treatment or surgery, and any time away from work
- Polycystic ovary syndrome (PCOS), now also called PMOS: how it affects you, any treatment, and any related blood sugar or blood pressure results
- Fibroids, or polyps in the uterus: their size, any symptoms such as heavy bleeding, and any treatment or surgery, planned or done
- Ovarian cysts: how they were found, any follow-up scans or surgery, and what any tests showed
- An abnormal cervical screening or Pap smear result: what the result said, any follow-up tests or colposcopy, and your results since
- A benign breast lump, cyst or fibroadenoma: how it was checked, any biopsy or removal, and any follow-up imaging since
- Heavy or painful periods: any cause found, any treatment, and any time away from work because of symptoms
- Pelvic organ prolapse: the type, any pelvic floor treatment or surgery, and any effect on lifting or physical work
- Stress incontinence or another pelvic floor condition: any tests, any physiotherapy, surgery or other treatment, and any effect on your work
- A hysterectomy or other gynaecological surgery for a non-cancer reason: why it was done, when, any complications, and how your recovery went
- Pre-eclampsia or high blood pressure in a past pregnancy: which pregnancy, any treatment, and any blood pressure readings since that pregnancy
- Another complication in a past pregnancy, such as an ectopic pregnancy: what happened, any treatment or surgery, and any effects that continued afterwards
- Infertility, or fertility treatment such as IVF: any cause found, any treatment so far or planned, and any time it takes from work
This list isn’t complete, and the name of a condition decides nothing on its own. We’d want to hear your history and how things are now, and any decision about cover is the insurer’s.
What we advise on
Where Women’s Health Meets Each Kind of Cover
What Underwriters Look At
How could your gynaecological, breast or pregnancy history come up when you apply for cover?
With each likely question set out first, you can gather your records in your own time and start with everything at hand.
We’ll start with your gynaecological, breast or pregnancy history, and the questions an insurer may ask about each part.
The insurer’s underwriter decides whether cover is offered, and on what terms. With a gynaecological, benign breast or pregnancy history, the questions can cover how a condition was diagnosed, any surgery or treatment, any complications and any time away from work. Each insurer sets its own questions, so we begin with your history as you describe it.
What an insurer may want to know, by condition:
- Endometriosis or adenomyosis: the method of diagnosis, such as a scan or laparoscopy, and any hormonal or other treatment
- Gynaecological surgery, including any hysterectomy or ovary removal, how many operations there have been and the reason for each
- Any time away from work because of symptoms, such as days missed each month or recovery after surgery
- PCOS: symptoms day to day, any treatment, and any blood sugar or blood pressure results your doctor has recorded
- Fibroids, polyps or ovarian cysts: how each was found, any follow-up scans and any treatment, planned or done
- Cervical screening or Pap smear results: what each result said, and any repeat test or colposcopy since
- Benign breast lumps, cysts or a fibroadenoma: how each was checked, and any biopsy, removal or imaging since
- Pregnancy: any complications in a current or past pregnancy, such as pre-eclampsia or an ectopic pregnancy
Life Insurance
Who would help with the costs for the people you love if you were no longer here?
Life insurance can be that help, paying your beneficiaries a lump sum towards the costs ahead.
We can set out what a life insurance application may ask about a pregnancy or a gynaecological history, before you apply.
Life insurance can pay a lump sum if you pass away, and the application looks at your health as a whole. During a pregnancy, an insurer can ask about any complications in this or a past pregnancy, and where there are complications, can ask your doctor for a report. Any breast or gynaecological history is answered from your records, question by question.
What we set out with you on life cover:
- Any complications in a current pregnancy, which a life application made during pregnancy can ask about
- Pre-eclampsia or high blood pressure in a past pregnancy, with any blood pressure readings since
- A doctor’s report on a pregnancy complication, which an insurer can request before deciding on life cover
- Benign breast lumps or cysts, described from any imaging or biopsy reports, as a life application asks
- An ectopic pregnancy or another past complication: what happened, and any treatment or surgery afterwards
- Hysterectomy for a non-cancer reason: why the operation was done, and the date it took place
- A life sum insured reviewed if a pregnancy or parental leave changes your household’s income
- PCOS and any related blood sugar or blood pressure results, answered as the life application’s questions ask
TPD Insurance
How could you still pay for the plans you’ve made if you were unable to work ever again?
A TPD lump sum can help those plans go ahead if you can’t work again, as the policy defines it.
We can compare TPD definitions with the work you do, including during a pregnancy or after gynaecological surgery.
TPD pays a lump sum if illness or injury leaves you unlikely to work again, as the policy defines it. Own-occupation wording looks at your usual job; any-occupation looks at work suited to your training or experience. During a pregnancy or parental leave, an insurer may assess TPD against home duties, meaning normal household duties rather than paid work, depending on when you plan to return.
What we look at with you on TPD:
- Home duties as the basis for TPD, which an insurer may use when you apply during a pregnancy
- Return-to-work plans during a pregnancy or parental leave, set out clearly for a TPD application
- Lifting or physical work in your role, set out alongside any prolapse or pelvic floor history
- Hysterectomy or laparoscopy recovery, and any lasting effect on your duties, explained in a TPD application
- Own-occupation wording compared with the physical and hourly demands of your role, alongside any endometriosis symptoms
- Any-occupation wording, weighed against your qualifications if endometriosis limits the duties of your usual role
- TPD held in super during parental leave, with the fund’s own definition read before leave begins
- A TPD lump sum sized with any ongoing gynaecology care, surgery and pelvic floor physiotherapy in mind
Income Protection
Which costs would matter most to keep paying if illness or injury kept you from work for a time?
Income protection can keep part of your income going after a waiting period, so day-to-day life can continue.
We’ll read income protection definitions with you against symptoms that come and go, before you choose a waiting period.
Income protection can replace part of your income if illness or injury stops you working, subject to its waiting period, definitions and exclusions. We’ll read with you how a policy treats time off that comes and goes, and the waiting period you choose: a longer one lowers the premium, but any benefit starts later. Some policies don’t pay a claim from a normal and uncomplicated pregnancy or birth, as the policy defines it.
What we work through with you on income protection:
- How often any symptoms take you from work, set against how the policy defines being unable to work
- Waiting periods you can choose between, and how a longer one lowers the premium but delays any benefit
- Partial disability wording, for months when any symptoms reduce your hours rather than stop work altogether
- Pregnancy and childbirth wording in a policy, and how complications are read under its exclusions
- Applying during a pregnancy, where your income, work, hours and return-to-work plans are considered
- Any endometriosis or adenomyosis exclusion offered on income protection, and the conditions it names
- Days lost each month to heavy or painful periods, set out by date for an income protection application
- Any higher premium or exclusion offered after a gynaecological history, gone through with you line by line
Trauma Insurance
After a serious diagnosis, where would the money for extra costs come from?
It can come from a trauma lump sum, for a listed condition that meets the policy’s definition and isn’t excluded.
We can read a trauma policy’s wording with you, including any pregnancy complications it lists.
Trauma insurance pays a lump sum if you’re diagnosed with a condition the policy lists and meet its definition. Some trauma policies include an extra benefit for specified pregnancy complications, such as eclampsia or an ectopic pregnancy, each with its own definition. A condition you already have may be excluded, limiting cover for it and related claims according to the exclusion’s wording.
What we go through in a trauma policy with you:
- Eclampsia of pregnancy, a specified complication a trauma policy may list, read in full with you
- An ectopic pregnancy in a fallopian tube, which a trauma policy may list as a specified pregnancy complication
- Pregnancy complication events, which vary between trauma policies, checked in the PDS of any cover you hold or are offered
- A gynaecological or breast condition you already have, which may be excluded under a new trauma policy
- The reach of any endometriosis or ovarian cyst exclusion, set out in its exact words before you accept the policy
- Hysterectomy or ovary removal for a benign reason, and how a trauma application asks about the surgery
- Benign breast or ovarian history, and how a trauma application asks about lumps, cysts and growths
- The medical evidence any pregnancy complication definition asks for, read with you before any claim
Answering the Health Questions
Could something from years ago, like a past surgery or screening result, be easy to leave out?
Gathering your dates and letters first can help each answer match your records, with nothing asked about left out.
Together, we’ll take the health questions one by one, with surgery dates, screening results and specialist letters to hand.
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. If a question still says Pap smear, we’d check with you, or with the insurer, what it covers, so any cervical screening result is included in your answer.
What we confirm with you, question by question:
- Surgery dates for any laparoscopy, hysterectomy or other gynaecological operation, confirmed from hospital records
- A Pap smear question checked with the insurer first, so any cervical screening result is included in your answer
- PCOS, which Jean Hailes says has been renamed PMOS, answered under whichever name a question uses
- Hormonal treatment or HRT, with the start date and dose of each, for any medication question
- Any colposcopy, repeat screening or breast imaging still under way, described as the form’s question asks
- A current pregnancy and any complications so far, described from antenatal records for the pregnancy questions
- Specialist letters from a gynaecologist, obstetrician or breast surgeon, used to confirm dates and findings
- Any unclear question on the cervix, ovaries or uterus, raised with us first, then answered from records
Applying With Help
When is a good time to apply, and what does the process involve?
Choosing a time that suits you, with each step explained first, can let the application fit around the rest of life.
We can plan the order of an application with you, around any pregnancy, planned surgery or fertility treatment.
An insurer may offer questionnaires for a gynaecological condition, an abnormal Pap smear or cervical screening test, or a lump, cyst or growth, which may let its underwriter decide without further medical evidence. Some insurers also offer pre-assessment, which gives an indication before a formal application. If alternative terms are offered, they can be discussed with your financial adviser before you accept.
What we line up with you before applying:
- Questions on a gynaecological condition, in any questionnaire an insurer uses, gone through from your specialist letters
- Any abnormal Pap smear or cervical screening questionnaire an insurer uses, filled in with your results
- Lump, cyst or growth questionnaires for benign breast or ovarian history, where an insurer offers one
- The order of applying for each cover, talked through if you’re pregnant or planning a pregnancy
- Fertility treatment under way or planned, set alongside the timing of any application
- A screening result or breast lump still being investigated, and the timing of applying talked through
- Planned surgery for fibroids, cysts or endometriosis, and whether an application goes in before or after
- Endometriosis or fibroid exclusion wording, if an insurer proposes one, explained before acceptance
Cover You May Already Hold
Before a change of job or a break from work, is it worth checking any cover you have?
Checking any cover before a job change or a break can show what continues, and what it costs and pays.
Together, we’ll check any cover you hold, including its pregnancy wording, before parental leave, a job change or a new policy.
Cover you already hold was issued on its own terms, and the policy wording sets when they can change, so it’s worth reading before you change or replace it. We’d check the cover in your fund before any leave begins.
What we look at in any cover you hold:
- Endometriosis or PCOS diagnosed after a policy began, and the terms on that policy’s schedule
- What an existing income protection policy says about pregnancy and childbirth claims, read in its own words
- Any pregnancy complication events in a trauma policy you hold, and the definition each one uses
- Default insurance in super during parental leave, and what the fund PDS says about conditions you had beforehand
- Super on Parental Leave Pay received from 1 July 2025, paid by the ATO after the financial year the pay was received in
- Fund insurance during unpaid parental leave or a career break, looked at before the leave starts
- An endometriosis or gynaecological exclusion already on a policy, and a review asked for after treatment
- Premium costs if income changes during parental leave, and the choices to weigh before any change to 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 Women’s Health Cover, Worked Through Together
Surgery Dates and Gynaecology Letters Gathered
Any surgery dates, scan reports and specialist letters brought together with you before an application is lodged.
An Application Order Set Around a Pregnancy
If you’re pregnant or planning a pregnancy, the order of applying for each cover talked through with you.
Return-to-Work Plans Set Out for the Insurer
Your work, hours and any return-to-work plans described clearly for an application made during a pregnancy.
Definitions Read Against Symptoms That Come and Go
How a policy defines being unable to work, read with you against how often any symptoms affect your work.
Pregnancy Wording in a Policy Explained
What any income protection or trauma policy says about pregnancy and childbirth, explained in plain terms before you decide.
A Fresh Look at an Exclusion After Surgery
A request for the insurer to review any gynaecological exclusion after treatment such as a hysterectomy, with reports attached.
Fund Cover Looked At Before Parental Leave or a Break
Any insurance in your super checked with you before parental leave or a career break begins.
An Income Protection or Trauma Claim Lodged With You
An income protection claim, or a trauma claim for a listed condition, lodged with you and followed through.
Proactive, Holistic, and Experienced Financial Planning
You know your own body and your own history better than anyone, and that’s where we begin. We listen as you tell it, in your own words and at a pace that suits you, and every part of it is taken seriously. There’s no need for medical terms or a neat timeline before we talk. Once we understand where things are and what you’d like to protect, we help you look at cover that suits the life you’re working towards.
Telling your story once is enough for us to start. From there, we bring the letters, dates and results together with you and explain what each one is for, so the detail is gathered in one place rather than pieced together form by form. You’re welcome to bring someone along, or to come on your own. Each step is explained before it happens, and every choice, from whether to apply to whether to accept any terms, stays yours.
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 women’s health condition, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
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.
We’d need to learn about your situation before anything is said about cover. An application can be offered on standard terms, with a premium loading, with an exclusion for a named condition, deferred for a period, or declined. The insurer decides.
With endometriosis, PCOS, fibroids, a breast or screening result or a past pregnancy complication, the questions can cover how a condition was diagnosed, any surgery or treatment and any time away from work. We’d go through those details with you first, then explain what applying for income protection, life, TPD or trauma cover would involve.
The questions can cover how it was diagnosed, such as by scan or laparoscopy, any complications, any surgery, including a hysterectomy or ovary removal, any treatment and how any symptoms affect your work. Each insurer words its questions in its own way.
Income protection can replace part of your income if illness or injury stops you working, subject to its waiting period, definitions and exclusions. With symptoms that come and go, we’d read how a policy defines being unable to work, and the waiting period you’d choose, against how often any symptoms take you from work. If alternative terms are offered, such as an exclusion or a higher premium, we’ll explain them before you decide.
We’d want to understand how PCOS affects you, any treatment and any related blood sugar or blood pressure results before anything is said about cover. Jean Hailes says polycystic ovary syndrome (PCOS) has been renamed polyendocrine metabolic ovarian syndrome (PMOS), though an application’s questions may still use the older name or ask about the ovaries in general.
We’ll go through each question with you, with the answers taken from your own records and given as each question asks. Your doctor explains your results, and the insurer makes the cover decision.
We’d want to understand your situation before saying anything about cover. During a pregnancy, an insurer can ask about any complications in this or a past pregnancy, and where there are complications, can ask your doctor for a report. For income protection and TPD, your work, hours and plans for returning to work are part of what can be considered, and an insurer may assess TPD against home duties.
The order of applying for each cover is something we’d talk through with you, and the insurer makes the decision on any application. If you’d also like help planning the household side of parental leave, that’s part of our Growing Families advice.
It depends on the policy’s wording. Some income protection policies don’t pay a claim from a normal and uncomplicated pregnancy or birth, as the policy defines it, and a complication is read against the policy’s own definitions and exclusions. Each policy sets out its terms in its PDS.
If you hold income protection, we’ll read its pregnancy wording with you before any time away from work, and explain what it means for your plans. Any claim is lodged with you and assessed by the insurer.
An application can ask about an abnormal breast check or Pap smear result, and an insurer may offer questionnaires for screening results and for lumps, cysts or growths. The Cervical Screening Test replaced the Pap test in 2017, so if a question still says Pap smear, we’d check with you or the insurer what it covers, and any cervical screening result is included in your answer. We’d want to understand what any result said and any follow-up since.
If a result is still being followed up, the timing of an application is something we’d talk through first. Cell changes such as CIN, and carcinoma in situ, are part of our page on life cover with a cancer history.
If you’re offered alternative terms, the insurer explains what they are, how long they’re meant to apply, and that you can ask for a review if your circumstances change (Life Code 2025, insurers that subscribe). Treatment such as a hysterectomy or other gynaecological surgery is a change worth raising.
We can ask the insurer to review an endometriosis, fibroid or gynaecological exclusion with you, with reports from your specialist attached. The insurer decides whether the exclusion changes, and we’ll go through its decision with you.
Buying online can be quick, and it suits some people. If an insurer doesn’t ask for your medical history, it may mean the policy has more exclusions or narrower policy definitions (Moneysmart).
With advice, your surgery dates, screening results and specialist letters are gathered first, and a policy’s pregnancy and gynaecological wording is read with you as you compare options. Whichever way you apply, answering every question with reasonable care stays your duty. We go through any terms offered so the choice stays yours.
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.
Always. You can start with a single question about endometriosis, a pregnancy or an exclusion letter, and we’ll take it from there.
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. We’ll start with what you’d like to protect and any cover you hold, then explain what an application could involve for your history.
Whether to go further is always your choice.
Who We Help
Advice for All Stages of Life
From first job to retirement, we help you build wealth, protect it, and live well.
Starting Out
First jobs, first home, first super, HECS debt, budgeting and more.
Growing Families
First home buyers, new parents, school fees, single incomes, young families and more.
Medical & Health
Doctors, dentists, pharmacists, allied health, nurses and more.
Professional Services & Tech
Lawyers, accountants, brokers, engineers, consultants and more.
Trades & Business Owners
Electricians, plumbers, builders, sole traders, franchisees and more.
Corporate & Executive
Executives, senior managers, directors, board members and more.
Public Sector & Defence
Police, firefighters, paramedics, ADF personnel, teachers and more.
Approaching Retirement
Pre-retirees, transition to retirement, Age Pension, aged care, estate planning and more.
Other Stages
Any income, any stage, career changers, separation, second opinions and more.
Reviews
Testimonials from Our Clients
Grow & Protect Your Wealth Today
Whatever’s on your mind, we’re here to help. You’ll speak with an authorised financial adviser who’ll listen first and get to know what matters to you.
Book An Initial Conversation