Income Protection is an essential policy for insuring a persons income if they are unable to work. However, if you have an employee essential to the running of a business, what happens to the business is they aren’t able…
Understanding group insurance: Through super, you are given the option of undertaking a ‘group’ insurance policy. This is underwritten at time of claim, meaning it is not tailored to you, does not take your personal circumstances into account, and…
Nearly every Australian has or has had some form of debt in their lifestyle, ranging from having a mortgage for the family home or a credit card to help day-to-day expenses, all the way up to a margin loan…
Have you ever heard the term Asset Diversification and wondered what this means? When fund managers are investing your superannuation assets, the goal is to obtain as much growth with as little loss to your wealth as possible. Dividing your superannuation into…
Salary sacrificing is a valuable saving tool, reduces your taxable income and can maximise growth within your superannuation in preparation for retirement. A common misconception is that salary sacrifice only benefits high- and middle-income earners. However, regular, affordable contributions…
Your Superannuation is your future. Super, is money set aside during your working life in preparation for your retirement. Your superannuation fund, for most people, should start up when you start working, you employer start paying a percentage of…
An account-based pension is a regular income stream which offers tax effective and flexible income stream payments using your superannuation funds. Clients spend their working lives accumulating Superannuation, and when they have reached “preservation age “(between age 55 and…
Some people often ask the question: ‘Do I need a Financial Adviser?’ Here are a few questions we like to ask potential clients, when considering whether they have a need for the services of a Financial Adviser. How much…
The Whitepaper and Research THE CALI CAMPAIGN The CALI campaign aims to increase awareness among government, regulatory, industry and other stakeholders of the issues and challenges facing Australian life insurance consumers, life insurers and life insurance advisers. The campaign…
With the approach of 2021, the world continues to struggle with COVID-19 and its effect on the global economy. While Australia has weathered the Coronavirus storm well compared to many other countries, the unemployment rate sits at 7% and…