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 insurance advice, education and consulting,
for small business owners, partnerships 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 around us and how we can help you become better at living life and we call it #KeepGoodGrowing
Small Business Risk Protection
Life Insurance and Income Protection
Financial Advice
Additional & Special Needs Protection
Mortgage and Debt Consolidation
Investment Property & Negative Gearing
Estate Planning
Medical Professionals Health & Income Protection
Insurance Claims Management
Key Person, Shareholder & Capital Protection
Super and Investing
Second Financial Opinion Service
Not sure what you need?
Relax, start up a conversation and we'll go from there
Here's our Everything We Do list
A modern day Cinderella story
The Cinderella like tale of Munro v Munro and how a simple preventable mistake, broke the hearts of his two daughters
To really understand this real-life story, to need to understand two simple legal facts about self-managed super funds:
- The trustee of an SMSF has discretion who to give the balance of your SMSF account to when you pass away.
- To remove this discretion and ‘bind the decision of the trustee to follow your instructions’, you need to sign a legally recognised Binding Nomination Form, making your wishes clear and override the discretion of the trustee.
Sounds simple enough, right?
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Who's your super beneficiary?
Who's your super beneficiary?
With superannuation now being a compulsory part of life, many people soon have significant amounts in their super and its growing at 9.5% per year - the minimum compulsory amount all employers are required to withhold from your income and deposit into your super account, for retirement.
In reality, if you passed away today, the value of your super benefit can be significantly higher because of the ‘hidden’ life insurance component.
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