Sequence Financial Planning Pty Ltd

About

Superannuation - the superannuation market is full of choice, in terms of the amount of providers and investment returns. To decide which fund may suit your needs, you may need to do a financial review to establish your life expectancy, your wants and needs in retirement and the standard of living you wish to achieve, your financial needs, your attitude to investment risk, how much you can afford to save.

Life Insurance - pays a lump sump benefit if you die during a period of cover, it can provide your loved ones with financial security as it can help cover major household expenses such as paying off the mortgage, funeral costs, education costs.

Review of cover should be at stages of your life like getting married, buying a home, birth of a child, start of a new job.

Total Permanent Disability Insurance- is insurance cover that pays out if the insured person becomes Totally Permanently Disabled. In the event of claim the TPD payment can be used to eliminate debt, pay ongoing medical expenses, make necessary home modifications, or hire in home care such as nursing, carers.

Trauma Insurance- pays a lump sum in the event that you suffer a major illness or heart attack, stroke or cancer. This type of cover is designed to help you cover medical expenses associated with the trauma and other costs that your family may be exposed to. Trauma Insurance fills the gaps between Life insurance, TPD insurance and Income Protection Insurance. For example, an insured person who suffers a mild heart attack, may be able to return to work after 3 months, would not be able to claim under their Life insurance or TPD and may not be able to claim under their income protection policy. (depending on their IP policy)

Income Protection Insurance- is probably the most essential type of insurance cover because your income determines your standard of living, your ability to build wealth and your capacity to provide for your retirement.

It provides you with an income should you be unable to work due to illness and injury or sickness. Benefits are paid monthly. The amount of cover is usually restricted to 75% of your gross salary. Premiums are tax deductible for some premiums depending on how they are funded. Income from income protection is 'assessable' as it replaces lost assessable income. The choice of cover is completely depends on your individual circumstances.

Retirement Planning- we can work with you to determine the lifestyle you want in retirement, keeping in mind your statistical life expectancy and the expenses you may still need to cover and the likely impact of inflation. With this in hand we can discuss the various investment options and your risk tolerance level.

Mastertrusts/ Wrap Accounts- mastertrusts and wrap accounts are managed investments that allow you to pool your money with investors to create a fund large enough to access wider investment opportunities or save costs. Even though your money is pooled with other investors, you still keep some control over your investments its usually easy to switch investments or change strategy by discussing this with your adviser.

Financial Planning- to help you determine and assess your financial goals, taking into account your individual circumstances and aspirations and the options available to you.

In other words, Financial Planning helps you determine where you're going- what you want for your financial future and then makes it happen.

It is an ongoing process that takes into account your income, assets, liabilities, and personal views like your values, dreams, wants, needs, time horizons and your attitude to risk and reward.

We Offer A Cost And Obligation Free Health Check.

We offer an obligation and cost free initial health check of your superannuation and personal life insurances. We advise clients on multiple super account consolidation and reviews of your current superfund such as how you are invested, fees and fund performance and also check you are adequately insured.