Less than a week after my wife and business partner Rosalie attended a call back after a screening through Breast Screen Australia, we received the diagnosis of early stage breast cancer. As business owners ourselves we know the importance of contingency planning. As part of our insurance reviews with clients, we live and breathe the…
When I suffered a heart attack at the age of 38, not only did it impact on me physically and emotionally, but it also affected me financially. I did not have insurance outside of super in place when I had my heart attack and now I am almost “uninsurable”. When I investigated insuring myself, most…
When many people think about financial planning, they think it’s all about savings and investments, but there are many other facets that everyday Australians need to take into account when considering their overall financial situation. Statistics reveal that one in four people living in rural and regional areas is suffering from cardiovascular disease and men…
Many people don’t know where to start when it comes to personal insurance… I can help you create a plan which outlines the types of personal insurance that may be appropriate for you depending on your current stage of life. If you’re accumulating wealth… The key to building up your wealth, whether through regular saving,…
Buying a life insurance policy appears fairly straight forward, but have you really considered, and articulated, what should happen to your payout if something were to happen to you? Buying the most appropriate life insurance cover is only part of the story. Read on for the important ‘next steps’ you need to take. A recent…
The Australian Scholarships Group[1] recently announced that Australian parents could soon be paying up to $65,829 to educate a child at a government primary and secondary school. For average families of two or three children this represents a significant financial commitment for many Australian families. According to Phillip Dibben from Active Financial Management an Authorised…
How long could you survive without an income before needing to sell your assets? Does your insurance cover meet your personal insurance needs? According to a White Paper completed by a leading insurance provider, a worrying trend is emerging around misunderstanding by Australians in regard to personal insurances. It’s an issue that could affect the…
What if something happened to you or your business partner and one of you were unable to continue running your business? A buy-sell agreement may be the solution you need for your rural business to protect your livelihood should you or any of your partners pass away or experience a trauma or disability. This legally…
Setting aside time to review your finances is important. It’s also one of the easiest ways to keep your plans on track so that you may achieve your financial goals. Goals which might include an immediate solution for making ends meet or longer term goals that might include sorting out an appropriate succession plan for…