Protecting your livelihood and preparing for unforeseen and significant life events is critical to achieving your goals and maintaining your lifestyle.
While affordable insurance premiums are important, so too are insurance policy definitions and conditions that ensure you receive your full entitlement should you ever need to make a claim. We will assist you to identify your risk exposure and provide the guidance you need when deciding on the insurance solution that’s right for you and your family.
Life Insurance
The financial benefit that is paid by the insurer to your nominated beneficiaries upon your passing.
Trauma Insurance
Should you suffer a stroke, heart attack, be diagnosed with cancer or suffer other serious illnesses or injuries recognised by your insurer, Trauma insurance would provide a financial benefit that may be used for your treatment and rehabilitation expenses.
Permanent Disablement
This insurance provides a lump sum payment to assist with ongoing care, should you suffer an accident or illness that renders you totally and permanently disabled as determined by the terms of your policy.
Income Protection
Tailored insurance cover that provides a benefit of up to 85% of your income, should an illness or injury, as agreed by your insurer, prevent you from working.
Owning your own business comes with its own risks and rewards. Working in collaboration with authorised business insurers, we help you to understand these risks and guide you in decision making that protects your assets throughout all business cycles. These matters may include Buy/Sell agreements and key man insurances, as well as business expense and business interruption insurances. These types of insurance are there to provide you with financial compensation when business (or life) doesn’t go to plan.
With 30 June rolling up fast, now is the time to implement end of financial year super strategies that will provide the dual benefits of contributing more to your retirement savings and less to the tax office.
It’s the Australian dream. Retire at 55 and spend the rest of your life on the golf course, cruising the seven seas or enjoying other leisure pursuits. Sound fabulous? Maybe not. Given many of us will very likely see our 100th birthday, will we find enough to do for the next 45 years and more…
There’s been a lot of talk about the intergenerational wealth transfer as Australians, mostly Baby Boomers, retire over the next 20 years leaving significant financial legacies to their X and Y Gen offspring.
We know talking about money with your parents can be difficult. Sensitive and upsetting at best and for some families – taboo. However, it’s among the most important discussions you’ll ever have with them and here we identify THREE conversation starters that may help you to get them talking.
Under the lights of the gala celebration of the EIGHTH annual ifa Excellence Awards held in Sydney recently, it’s difficult to make out the names of the winners. However, for Brisbane-based Stratus Financial Group they are perfectly clear: James Marshall, Holistic Adviser of the Year; and Stratus Financial Group, Holistic Advice Firm of the Year,…
It’s not always easy to talk to the next generation about the responsibilities of money. Nor is it easy to explain the value of qualified advice to a cohort that is accustomed to relying on online information.