Risk & succession advisory

An important cornerstone to any total wealth management strategy is ensuring you and your family are adequately protected against unexpected occurrences.
Likewise, as a partner or owner of a business, the importance of a well-structured, complete succession plan cannot be underestimated.

Personal Risk Insurance

It may not be something many of us like to think about, but the unexpected does happen. Considering the downside and having an insurance plan in place can help make a difficult situation a little bit easier, at least financially.

We can provide you with a regularly reviewed financial risk mitigation strategy that meets both your short and long-term lifestyle objectives. We can undertake a complete review of your risks and liabilities, taking into consideration your lifestyle needs and personal goals. We can evaluate your existing insurance cover/s and compare them with a select range of premium products and providers, carefully considering any tax, regulatory or legislative issues.

We advise on a full suite of products encompassing all insurance options tailored to your personal needs. We have no ownership links to any insurance product providers and we operate under our own Australian Financial Services Licence. This ensures we take a ‘no compromise’ approach to the selection and recommendation of the preferred insurance products that underpin your risk protection plan.

Our risk protection solutions include term life insurance, total and permanent disability insurance, trauma insurance and income protection insurance. These can be accessed privately or can be built into a wider group plan that also includes buy-sell agreements.

We want to ensure you have peace of mind that you and your loved ones are financially protected in the event of unforeseen circumstances such as income loss, illness, disability or death.


Business Succession

Without an agreed strategy as to what to do in the event of a partner leaving your firm, whether that be due to retirement, illness, disability or death, all involved leave themselves in a vulnerable position.

The key is to plan ahead.

We can work with you and your intended successors to devise a tailored, tax-effective plan to ensure you can take back control of your business equity. We can help you protect your business, your partners and your family from unforeseen circumstances.

No two succession plans are the same. We can work with you to build a unique succession plan that:

  • Deals with the circumstances where a partner leaves the business for any reason
  • Provides funds to enable surviving business partner/s to buy out the financial interest of the deceased business owner
  • Provides funds so that partner/s can buy out the financial interest of an owner who is unable to work due to illness or injury
  • Replaces lost business income
  • Obtains release from personal guarantees
  • Maintains credit standing of the business
  • Keeps the business viable until an appropriate buyer can be found