We will arrange an adviser from The FinancialLink Group to discuss a range of personal risk insurance, superannuation and financial planning services to help you with your different life stages. For example, as your Income fluctuates with different jobs; as your level of debt changes; when you have a partner; as you have children; as your children grow up becoming more financially independent, and as you strive for a financially secure retirement.
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As your circumstances change you should always regularly review your insurance, superannuation and financial planning needs and objectives so that you have the appropriate products and levels of cover.
How to work with your adviser…
During the first meeting your adviser will go through how they intend to work with you, including looking at your needs, your current financial situation and what you really want to achieve from their advice.
Your adviser will then analyse your situation and what you want to achieve, and present you with their recommendations in a document called a Statement of Advice. Your adviser will discuss the recommendations with you and implement the course of action that you feel most comfortable with.
We recommend that you take advantage of a Professional Financial Analysis by one of the well qualified Financial Planning Authorised Representatives from the FinancialLink Group. They also offer a professional, comprehensive, investment portfolio service that includes:
- Wealth Protection
- Retirement Planning
- Managing Redundancy Payments
- Income & Growth Investments
- Investments to Increase Income
- Saving to Retire
- Maximising Centrelink Benefits
- Regular Savings Plans for Other Purposes
- Gearing Strategies
- Range of Investments to suit Individuals
- Life Insurance.
Choosing an investment requires you to consider a number of issues and these include:
- your investment goals
- your timeframe for investing
- your tolerance to risk
- your current financial position and
- the level of investment diversification.
Your financial adviser can provide quality advice to help you select the appropriate investment for your needs. We recommend you refer to your financial adviser for assistance in choosing the right investment for you.
Our range of services to help you with your different life stages also include…
|Type of Solution
||Insures against…||You might use the benefit to…
Life Insurance can help your dependants cope financially, after you die
|Income Insurance||The inability to work due to sickness and injury.
It can help you meet your basic living expenses if you have to stop work due to sickness or injury
|Trauma Recovery Insurance||Traumatic medical conditions (including cancer, heart attack, stroke, coronary by-pass surgery and angioplasty).
It can help you cope financially with the effects that a trauma will have on your life. It can help remove the financial stress and pay for changes you may need to make to your lifestyle
|Total and Permanent Disability Insurance||A total and permanent disability that stops you from ever working again.
It can help you cope financially with a total and permanent disability
|Business Expenses Insurance||The inability to work due to sickness or injury Illness and injurious events.
Business Expenses Insurance can help your business cope financially with your inability to earn the business an income because of sickness or injury
|Superannuation||Insures against not having enough money to maintain your desired retirement lifestyle
Provides a Lump Sum and/or Pension
|Financial Planning||Insures against you not meeting your financial needs and objectives||
You should always read the product providers’ Product Disclosure Statement (PDS) before deciding whether to buy or continue to hold a product. These can be obtained from your adviser.