When you work hard for what you’ve got whether it’s your family, home, lifestyle, investments, business, they all need to be protected if you cannot work. Protection is part of mitigating risk, and some insurances can be tax deductible and some premiums can be paid by your super.

Retirement planning is an integral part of becoming self-sufficient financially in retirement. You can’t plan the trip of a lifetime without sitting down and planning on how to get to your destination. It’s no different when it comes to your finances.

Yes, you can buy a property with your super through an SMSF. It is a lot different than purchasing in your own name. There are both advantages and disadvantages when buying a property using super compared to buying a property in your own name.

Yes you can depending on your balance and your personal circumstances. Many retail and industry funds provide the opportunity to select from a wide range of managed funds and listed investments. However, Self-Managed Superannuation Funds (SMSF) are becoming popular as more and more people are wanting to take control of their own super to also invest in assets not available in retail and industry funds like real property.

Finding lost superannuation is important! You could have a superannuation balance dwindling away due to unnecessary insurance premiums and fees. You may have lost funds that you may not even know you have that could be consolidated into your current or new fund.

It’s important to consider consolidating your super! You could have unnecessary multiple insurance premiums and duplication of administration fees costing you super money. Consolidating your super may make sense to enhance your super investment by making it one total amount. But you need to consider other factors including the potential loss of important personal insurance protection.

An adequate cover is one that protects your loved ones if something happens to you. Family circumstances, asset and liability values all come into play to determine the amount of cover that is needed for you. Many Australians are under insured.

This depends on your nominated waiting period on your income protection policy. You need an appropriate waiting period in order for your income to continue without you and your family being put under financial stress? If you are unsure about your waiting period or your total amount of cover, its time to have your cover reviewed.

Yes you can, this is often something that many people don’t consider and when put in place can be piece of mind.

Surprisingly many Australians do not have a Will. Estate Planning is important, if a Will is not put in place your family or charity may not receive the financial protection you want, and your estate may be administered by someone you would not appoint.

Yes you can. The contribution of the child caring spouse is often something that many people don’t consider. Losing the primary care giver can impact on the costs to look after the kids with potential need for more childcare, so the primary income earner can continue to work to meet the family’s financial needs. When put in place this can give you peace of mind