Superannuation

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There's no time like now

It’s never too late to start building your Superannuation to boost your retirement savings. One thing we know about superannuation and that is the government is always changing the rules. Don’t miss out on any strategies that are available to help boost your superannuation assets. Find out how you can use any of the latest superannuation changes to benefit you.
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Want to talk about Superannuation?

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Business Risk Insurance

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As a business owner, you spend your working life focused on succeeding.… but who will succeed you?

When it’s time for you to let go of the wheel, or if something happens and you’re forced to, who will take your place? And more importantly, how? And how well? Business succession requires a lot of careful planning and a great deal of experience to navigate the many shoals and reefs that stand between you and a successful outcome. Here are just a few of the main elements that typically need to be put in place to ensure the business transitions smoothly and without losing value.

Business Insurances

Many of these contingencies can be covered by business insurance policies:
  • Key person insurance
  • Buy/sell insurance
  • Business continuance insurance
But precisely what type of cover do you need?
Who are the best insurers?
What are the tax implications?

We’ll help you navigate these questions with your Accountant and Solicitor to ensure you're covered should something happen to you, your business partner or key staff.

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Want to talk about Business Risk insurance?

Contact us to make an appointment and let us look after your life.
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Personal Life Insurance

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Safeguard your family's future

Risk protection can help you provide for you and your family even when you experience a set back due to illness, injury or a long-term change in your health. When these unfortunate things happen there’s a lot to pay for:
  • General living costs
  • Medical expenses
  • Modifications to your home
  • Having to use savings to replace income.

Life Insurance

Life cover provides financial security for your family in the event of your death, with a lump sum payment or instalments. This could help loved ones pay off the mortgage and other debts, provide for your children’s education, or cover living expenses.

Total & Permanent Disability

Total and permanent disablement cover (TPD) provides a lump sum or instalments, if you are permanently unable to work or potentially look after yourself due to illness or injury.

Trauma Cover

Trauma protection provides a lump sum payment if you are diagnosed with one of a range of specified conditions including cancer, heart attack and stroke. This could contribute to maintaining your lifestyle under changed circumstances.

Income Protection

Income protection insurance protects your ability to earn an income. This cover can provide up to 80% of your regular annual pre-tax income as a monthly payment, if you are unable to work due to illness, accident or injury. In most cases, insurance premiums can be claimed as a tax deduction.

Insurance through Self-Managed Super Funds

Part of the Trustee’s responsibility is ensure the members are adequately insured, ask us how your SMSF can own policies that can help you if a member were to suffer a major medical event. Most trustees spend time considering and investigating their investment assets but forget they have an obligation to ensure they consider insurance options for their members. If you are an SMSF trustee and need a review of your member’s insurance requirements call AdviceWest and we can talk through how this can be best achieved.
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Want to talk about Personal Life Insurance?

Contact us to make an appointment and let us look after your life.
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Estate & Retirement Planning

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Retirement

Thinking of retiring and need to understand your options and income? This is possibly the most important financial decision you can make as you navigate life and will create the most amount of questions.
  • How much Income do I need in retirement?
  • How much income will I have in retirement?
  • Am I eligible for any government assistance?
  • Will I still have to pay tax in retirement?
  • Am I eligible for any health card concessions?
  • Who will help with these complex Centrelink forms and processes?
AdviceWest are able to assist you with all your retirement questions and provide answers when you need them ensuring you have a smooth transition into the retirement you have dreamed about.

Wills and Power of Attorney

Ever heard the saying ‘Death and taxes are the only two certainties in life’? Planning for what happens when you are going is a critical part of a sound financial plan.
  • Who do I want to leave my estate to?
  • How will it affect their financial situation?
  • Will they have to pay tax on any inheritances?
  • What happens if I suffer a medical event and can no longer manage my affairs?
  • Who will look after my affairs if I’m unable to?
Such critical questions that most people avoid contemplating. But are these questions that need answers, action and plans set up to ensure a smooth transition of any assets.
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Want to talk about Estate & Retirement Planning?

Contact us to make an appointment and let us look after your life.
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