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Do you remember the board game ‘Snakes and Ladders’? With a throw of the dice, you wind your way to the top of the board; land on a ladder and you get a boost towards the top; land on a snake and you slide back towards the bottom.


Life can be just like that. Along with the ladders, there will always be a few snakes. In preserving your capital, we’re focused on minimising the impact of those snakes – bypassing them altogether where possible or making them shorter and removing the venom.


We do this in three ways – investment risk management, personal risk management and estate planning.

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Once we have a thorough understanding of your situation, your goals and risk profile, we develop your personalised investment portfolio. From that point forward, we focus on tailoring your investments to your agreed risk settings and, within those parameters, minimising risk wherever possible.

This is your ‘Over-the-wall’ money

For the entrepreneurs among you, just because you’re used to taking big risks in business, doesn’t mean you should also be taking big risks with your investment capital. This is what renowned thought leader,
Carl Richards, calls ‘over-the-wall money’ – the money you promised yourself you’d never lose.


As Carl says, ‘… take the excess cash your business generates, or the lump sum from the sale of a business, and throw it over the wall into stable (and probably boring) investments. Then, forget about it.’ While we take care of your over-the-wall money, you can focus on your business.

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When you think of the many factors in play here – your age, your health, family history, dependants, hobbies, your capital and your income needs just to name a few – it’s easy to understand that an off-the-shelf insurance product is not going to do the job.


Your needs are unique. Not only that, over time, they will change dramatically. This is why, for each client, we formulate a tailored personal risk management strategy and adapt it to fit your changing needs.

Personal Insurance

There are many illness and injuries we risk as individuals which could affect our ability to work and provide for ourselves and the people who depend on us. Personal Insurance is a tool which, when skilfully managed, can help to safeguard against the impact of these risks. With our extensive knowledge and experience, we can help you find a mix of policies most suitable for your life and financial situation – and then adapt your cover as your needs change. 

Your tailored strategy may include the following insurances:

  • Life Cover

  • TPD (Total and Permanent Disablement)

  • Critical Illness

  • Child Critical Illness

  • Occupational

  • Accidental Death

  • Business Expenses

  • Premium Waiver

Business Insurance

Business insurance is an effective solution to managing the risks inherent in the operation of a business. By insuring the financial interests of your business, in the event of an undesirable event, the impact can be minimised or eliminated, and ultimately become the deciding factor in whether the business succeeds long- term.


With extensive knowledge and experience regarding business insurance, we’re here to help you find the best way to safeguard your business.


We can advise regarding the following insurances:

  • Key Person

  • Buy/Sell

  • Director’s

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Without proper estate planning, the capital you pass on can be severely diminished – by unnecessary taxes, costly disputes and claims on your estate made by people other than your chosen beneficiaries.

Conversely, with proper estate planning in place, you can maximise the benefit that passes on to the people you care about and minimise the friction and animosity that may otherwise ensue.

With family structures becoming more fluid, planning your estate has become even more important, and often involves much more than just a simple Will. Family trusts, payouts of superannuation balances and the tax implications for beneficiaries can all be managed with a careful estate plan.




Who gets what?

Have you thought about who will inherit which assets and in what proportions?


Paying off debt

Have you considered whether you have accumulated sufficient assets to provide for your family and pay
off debts if you die? If you think there is not an adequate amount, your financial adviser will be able to recommend several ways to make up the shortfall.

Who’s in charge?

Is there someone who has been chosen to manage your affairs for you if you’re injured or sick?

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