Total Permanent Disability (TBD)

Total and Permanent Disability (TPD) is a lump sum benefit that is generally paid when medical professionals have established that, in their opinion, you will never be able to work again.


The definitions of TPD can vary between insures and there are generally two types of TPD options available: “own” occupation or “any” occupation. It is crucial that you seek professional advice on the right terms of cover for your situation to ensure you are not wasting money paying for an inappropriate level of cover.


TPD insurance can usually be taken as either an addition to a life insurance policy or as a stand- alone policy (within our outside Superannuation) and there are varying levels of tax deductibility to be taken into account. Again, selecting the right option is crucial as it will have a big impact on your financial future if you ever meet the medical definition of TPD.


When assessing your need for TPD cover, we look at factors such as your current level of debt, the importance of your income to support ongoing living expenses for your family and any future expenses you anticipate, such as funeral costs, children’s education expenses or medical bills.


Whether you are looking to buy your first (or 10th) investment property or a family home; we can advise you on the “why” and “how” of buying property. We can also help with advanced property investment strategies including commercial real estate and buying a property within a Self-Managed Superannuation Fund (SMSF). Learn more

Superannuation & SMSF

We start with an analysis of your current super, explain your numerous options and then work with you to tailor a long-term plan that’s right for you. Advice strategies can include a range of contributions, tax minimisation, cost reduction, super consolidation, performance maximisation and specialist SMSF options. Learn more


Whether you are already retired, in transition or just planning ahead, we can help you make the most of your resources by helping you to formulate a tax-effective investment strategy that caters to your lifestyle needs; taking into account Centrelink eligibility and estate planning concerns. Learn more

Estate Planning

Ensuring that your wealth is transferred according to your wishes, in a smooth and tax-effective manner, is key to your peace of mind. We can help you to plan for your dependants with efficient tax and ownership structures, revision and monitoring of your estate plan and income planning. Learn more


Building your wealth is just as important as protecting it. Illness, injury and death all have a significant impact on both your family and finances. We can help to make sure that you look after yourself and your loved ones with an assessment of your financial risk and implementation of a tailored risk-management package. Learn more


Whether you are seeking to refinance your existing loans or are looking at using new debt to fund either personal, business or investment goals, we can assist by assessing your borrowing capacity, advising on loan structures, shopping around for an appropriate lender and making sure you have access to the most competitive interest rates. Learn more

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