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The important things in life – providing certainty.
Meet Adrian, the 'Bow Tie Man'. See what Adrian's clients have to say.
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How much confidence do you have in your Will?
ARE YOU CONFIDENT YOUR WILL IS 'IRON-CAST'?
Don't get caught out by using a DIY Will Kit that is unlikely to capture all of the unique requirements for your personal situation.
Talk to a professional who has the experience and knowledge to assist you in ensuring you have considered all of the relevant and appropriate arrangements for you and your family whilst minimising tax and other cost considerations.
This particular article talks about the considerations for parents in a blended family.
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The three most important financial tips for families.
We’re over halfway through 2016, and it's likely you have completely forgotten your New Year’s Resolutions. But what about financial resolutions? Now is the perfect time to organise your affairs and plan for the future financial wellbeing of your family.
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“I’m a single parent and never thought about what would happen to my child if I was injured.”
Let us tell you the story of Sophia*.
She’s a single mother to a beautiful little girl, Rosie*.
In 2008, when she was just 29, Sophia was like many people who didn’t want to think about worst case scenarios.
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Where there’s a Will, there’s a way.
“I’ll do it next year!”, “I have no money anyway, so it doesn’t matter!”, or “I’m too young to think about those types of things!”
These are some of the classic catchphrases for many people who continue pushing a Will down the to-do list.
In fact, if you’ve haven’t got a Will or at least one that’s up to date, you aren’t alone. The NSW Government estimates that about only 55% of Australians have a current will.
That means, just under one in two people either haven’t set up one of the most important legal documents of their life, or their Will hasn’t been changed for the past 20 years (which, is evidently problematic).
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IT WILL NEVER HAPPEN TO ME.
We’ve all seen the TV ads spruiking life insurance, TPD insurance, funeral insurance and more. But, with the competing costs of school fees, mortgage repayments and the day-to-day cost of living, is it really work the expense?
Many of us think “It’ll never happen to me,” but for Theresa*, a terminal illness diagnosis became only too real.
The ‘Bow Tie Man’, Adrian, met Theresa and her husband Michael* in 2009 to discuss their insurance needs. With two children aged nine and six, the couple were keen to speak with Adrian about life insurance and their options for financial cover.
A self-employed Physiotherapist, Theresa had no sick leave, annual leave or long service leave entitlements to bank on. As a non-smoker with a healthy lifestyle, Theresa had no apparent health concerns and a low-risk profile.
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THE FINER THINGS IN LIFE (INSURANCE)
You’ve seen the ads on TV – no medicals required, insurance just dollars per day, 60 second applications and instant approvals over the phone. You might wonder, “But what’s the catch?” and you’d be wise to look into the fine print.
Adrian, the ‘Bow Tie Man’, works with clients to assess their financial insurance needs, for worst case scenarios. With a wealth of experience and post-graduate qualifications in ta and financial planning, Adrian arranges financial support for clients doing it tough, mentally or physically. So Adrian knows what to look for – and what to look out for – when comparing insurance policies.
The first and possibly most important, is a policy with clear, comprehensive definitions. You need to know exactly what you are covered for. A cheaper policy may sound too good to be true on the surface, however there may be certain conditions you might not have even expected not to be covered at crunch-time.
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Precious Assets
For many of us, life insurance and trauma/critical illness cover is a no-brainer. We protect ourselves in the event of an unforeseen tragedy, to ensure that our family won’t suffer financially should the unthinkable occur. But what about insuring our children? They are our most precious assets, but do we really need extra insurance for kids?
Adrian, the ‘Bow Tie Man’, says the answer is an emphatic “yes”! “Parents often cover themselves for future financial security with Life or Permanent Total Disability (TPD) insurance,” says Adrian, “but consider the impact on your finances and household if your child was diagnosed with a critical illness.”
- Insurance
- Superannuation
- Estate Planning
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