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Life insurance protects your loved ones with a lump sum payment in the event of your death, or upon diagnosis of a terminal illness.
The loss of a loved one is enough to deal with and the last thing you want your family to worry about at a time like that is their finances. Life insurance gives you the peace of mind of knowing that they will be taken care of if you are no longer around

Total & permanent disability insurance is designed to help take the financial pressure off you in the event you suffer an illness or injury that leaves you totally and permanently disabled. The lump sum payment can be used to pay debts, pay medical expenses, provide an income stream or fund permanent lifestyle changes.
Most companies allow you to choose between two definitions.
– Being unlikely to be able to work again in your “own occupation” following an illness or injury.
– Being unlikely to be able to work again in “any occupation” following an illness or injury.

Trauma insurance is also known as critical illness cover pays a lump sum benefit if you are diagnosed with a  specific illness (around 50 different illnesses depending on the insurer) including  things like cancer, heart attack, stroke, diabetes and the list goes on.
The lump sum payment can be used for any purpose, like the reduction of debts, to seek specialist or alternative medical treatments or to purchase items or modify your home.

Your income supports the lifestyle you enjoy, where would you be without it?
Income protection is a monthly benefit that covers you for accidents, illnesses or major traumas 24 hours a day, 7 days a week, work, (after your waiting period ), if you can’t return,     up until retirement age being age 65 (depending on your occupation). Income protection is tax deductible and is designed to ensure that you can continue to pay the mortgage, put food on the table and carry on financially until you return to work.
Do an experiment, calculate your annual income till age 65 and ask yourself what you will do without it?

Superannuation is a long-term savings account, it helps you save money while you’re working.
The money comes from contributions made into your superfund by the employer and ideally, topped up by your own money (salary sacrifice).
Your account balance is then invested according to the investment option or options you choose, with the returns (positive or negative) applied to your account.
Remember it’s your money that’s going into your super account, so it pays to be interested.

Don’t gamble with your business or your families financial security, if you’re self-employed or in a small business partnership. Your extended absence from the business through sickness or injury could have a major impact. Business expenses insurance will reimburse you for the fixed business costs that continue to be incurred while you are unable to work. Therefore protecting both the business and your personal finances


How much money do I need to retire? How much money do I need to provide for my retirement? If you are asking yourself this question, it is a good idea to consult a financial adviser as everybody circumstances and financial needs vary. We together can ensure that you have a plan that you are comfortable with.



Do you have surplus cash sitting in a bank account earning an interest rate that is less then a percent? You come to the right place, we can help you!

There are many investment options to fit your particular needs that can achieve much greater return. By investing your money you are allowing it to grow through the power of compounding interest. allowing for even more potential growth over the long term.