PROTECTION & ESTATE
The plan only works if it survives the worst day.
Life, TPD, trauma and income protection, structured around your actual obligations as part of your financial plan. Not sold off a shelf.
What you get
Protection done as advice, not as a product.
Needs, calculated.
Cover sized from your real obligations: debts, dependants, income and years to protect. Not a round number.
Structure matters.
Inside super or outside, ownership and tax treatment change outcomes. We structure deliberately. (General information only.)
Reviewed as life changes.
Mortgage down, kids grown, business sold: cover should shrink and change with the plan.
Part of the whole.
Protection is one chapter of your plan, planned alongside super, investments and estate settings, not a separate sales process.
OUR PROCESS
Our process.
Advice starts with a proper conversation, not a product.
Discovery, on us.
A proper discovery meeting, not a 15-minute chat: what is important in life to you, where you stand, and whether we can genuinely help. Complimentary.
Your strategy, presented.
We build the strategy and present it with clear fees, so you decide with the full picture in front of you.
Implement and review.
We put the plan to work, then stay with you: portfolio monitoring, reviews, and an adviser who picks up the phone.
Common questions
Questions we get asked.
Enough to clear what must be cleared and replace what must be replaced, for as long as it must be replaced. That is a calculation from your real position, not a slogan. (General information only.)
Sometimes: it helps cash flow but can change tax treatment and benefit payment. The right structure depends on your situation. (General information only.)
For many people it is a fraction of the real need, and its terms are generic. A review against your actual obligations answers it quickly.
We advise on and arrange cover as part of a financial plan. The plan leads; the products follow it.
Ready to talk about the whole plan?
The first conversation costs nothing and comes with no obligation.
Or call (03) 9574 8300
