risk management and personal insurance

Because you want the best for you and your loved ones.

COMPLIMENTARY CONSULTATION

OVERVIEW

Risk management and personal insurance are an integral part of the financial planning process. However, most people find the concepts of risk and insurance difficult to understand. That’s not supposed to be the case because when it comes to you and your loved ones, there’s no risking it.

WHAT ARE RISK MANAGEMENT AND PERSONAL INSURANCE?

You don’t buy life insurance because you are going to die, but because those you love are going to live.

Unknown

Some risks may be prevented, but most are unexpected. Among other consequences, risk takes a toll on people’s finances. In the absence of financial protection, a person’s loved ones suffer the most. This is the essence of insurance, with the central question being: if something unexpected happens, how can its financial effects be mitigated; or if it involves someone passing, how can you take care of loved ones?

We always say that we can’t protect you from misfortune — a serious accident or illness, for example — but we can help you weather the storm if it strikes. We can help ensure that you, or your family, will continue to have the financial resources you need and lifestyle you want at the most crucial times — without the forced loss of investments, superannuation, or property.

Among the strategies that fall under risk management and insurance are personal risk protection, estate planning, and business protection, and succession planning.

We always hope that it’s the biggest waste of money for your rather than the best investment you ever made.

Protect your future through effective risk insurance

We can’t protect you from misfortune — a serious accident or illness for example — but we can help you weather the storm if it strikes. We can help ensure that you, or your family, will continue to have the financial resources you need and lifestyle you want at the most crucial times — without the forced loss of investments, superannuation or property. How? In several ways.

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PERSONAL RISK PROTECTION

Little can be achieved financially, without establishing a regular, disciplined savings pattern. We will help you find the disposable income you never knew you had, and put it to good use.

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ESTATE PLANNING

True wealth is built from wise investment. We customise each investment portfolio to suit your personal circumstances, risk tolerance and time frame.

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BUSINESS PROTECTION

Includes succession planning. Not all debt is your enemy, but having a clear strategy to manage and eliminate debt over time is essential.

facts you should know

Over 95% of Australians do not have adequate levels of personal life insurance and 30% say they don’t have any form of personal life insurance.

Lifewise/NATSEM study, 2010

83% of Australian car owners insure their car but only 31% insure their income.

AAMI Fact Sheet, Shopping for Car Insurance, September 2008

2 of 3 Aussies have been disabled for more than one month and 1 of 5 wouldn’t be able to find $500 in an emergency.

Ernst and Young for BT Australian Financial Health Index, 2013

HOW DO I GET STARTED?

Getting started on risk management and personal insurance is simple. All you need to do is to contact us and then we can get the ball rolling for you. You can also take our Financial Goals Assessment Tool to explore the different aspects of your financial life.

SERVICE INCLUSIONS

Our specialist service includes, but are not limited to:

  • Life insurance
  • Total and permanent disability insurance
  • Income protection
  • Critical illness or trauma cover
  • Personal risk protection
  • Estate planning
  • Business protection
  • Succession planning

RELATED SERVICES

CREATING AND GROWING WEALTH

Estate Planning

Retirement Planning and Superannuation

BOOK YOUR COMPLIMENTARY FIRST APPOINTMENT TODAY