Our greatest freedom is
the freedom to choose our attitude,
to choose one’s own way
Victor Frankl - Man's Search for Meaning
We provide financial and risk insurance advice for small business owners, partnerships, professionals and their families
Everything we do is to help you Protect or Provide for those you love or are responsible for.
We're driven by a core philosophy about how we see the world
and how we can help you become more Life Confident.
Small Business Risk Protection
Life Insurance and Income Protection
Financial Advice
Additional & Special Needs Protection
Mortgage and Debt Consolidation
Investment Property & Negative Gearing
Modern Estate Planning
Medical Professionals Health & Income Protection
Insurance Claims Management
Key Person, Shareholder & Capital Protection
Super and Investing
Second Financial Opinion Service
Do you get paid Super on your overtime?
Do you get paid Super on your overtime?
Well, the answer is usually no, but also that depends.
Your superannuation is your forced savings for your retirement, so it’s important to understand these two key features:
- How much Super are you being paid?
- How is it actually calculated when it comes to commissions, bonuses, overtime and back pay?
Is defacto inheritance tax hiding in your Super payout?
When is an inheritance tax not called inheritance tax?
When it's a super death payment tax of course!
Like to know more? Well, you should because this tax problem has special meaning for people with super, and adult children of people with super.
If you plan on leaving your superannuation to your now adult kids when you pass away, there's a strong possibility your super death benefit payout will be hit with tax.
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