General questions
Just like any other professional service, good financial advice can help you to make the most of what you have and help set you up for a comfortable retirement.
When it comes to selecting the Insurance products for your family, good advice can help you avoid problems at claim time by ensuring your policy is tailored to your specific needs.
Financial advice is important no matter what stage of life you are at. Some examples of when our services can be beneficial are:
- Starting a family
- Expanding your family
- Getting married
- Saving for or funding your children’s education
- Saving for a property deposit
- Buying a property
- Received a windfall or an inheritance
- Looking to streamline your financial affairs
- Starting or expanding your own business
- Starting a new job
- Approaching retirement
Keeping up with constant changes in laws and regulations about tax and superannuation, as well as understanding market movements can be a minefield, get professional help.
You should expect your financial adviser to deal with you and your affairs in an open, honest and professional manner. The role of a financial adviser is to recommend financial products and strategies that suit your needs and personal circumstances from a myriad of options.
We provide a free introductory consultation, thereafter we will explain and agree with you in writing how we will be paid for the services we provide you.
The right financial adviser has the potential to provide outstanding value for money – creating a benefit that far outweighs the costs involved.
The value of good financial advice isn’t exclusive to ‘the wealthy’; we all have the potential to build financial independence. Sometimes it’s the clear sense of direction a financial adviser can provide when we arrive at one of life’s crossroads. This could be retirement or when we face additional financial commitments – starting a family, taking on a mortgage, saving for a child’s education, or paying large medical expenses because of an illness or accident – to make an appropriate decision.
At JFS we provide our clients with flexible and affordable payment options. This can be organized upfront or you may prefer an ongoing arrangement through your investment. We can offer you sensible, achievable solutions that identify opportunities and help you avoid costly mistakes. Good advice is always good value.
Professional planning and financial advice can help you maximise your outcomes.
Just like any other professional service, good financial advice can help you to make the most of what you have and help set you up for a comfortable retirement.
When it comes to selecting the right Insurance products for your family, good advice can help you avoid problems at claim time by ensuring your policy is tailored to your specific needs.
- Starting a family
- Expanding your family
- Getting married
- Planning your children’s education
- Saving for a property deposit
- Buying a property
- Received a windfall or an inheritance
- Looking to streamline your financial affairs
- Starting or expanding your own business
- Planning to start a new job
- Approaching retirement
We do the hard work for you.
Keeping up with constant changes in laws and regulations about tax and superannuation, as well as understanding market movements can be a minefield. Let us do the financial planning for you.
Insurance questions
Lately there have been many companies advertising insurance products on TV that appear inexpensive and easy to apply for. It may be tempting to think that by removing a financial adviser you are ultimately saving money but this is actually not the case!
Not only is insurance taken out through an adviser often cheaper, it offers a more comprehensive level of cover. You also have the benefit of an industry expert hand picking a policy just for you, at no extra cost!
Insurance cover needs to be reviewed regularly to ensure it continues to meet your family’s needs and objectives. An adviser will provide this service to you free of charge. Another bonus is that part of the service of using an Adviser is that they will assist you at claim time. No need to be left by yourself to fill out mounds of paper work and fight with insurance companies when you are at your most vulnerable. Your adviser is there to help you with the claims process.
Income protection and Workers’ Compensation are separate and very different types of cover. Workers’ Compensation payments may not meet your financial needs in a number of events.
The NSW Workers Compensation Scheme provides protection to workers and their employers in the event of a work-related injury or disease. Therefore any injury that occurs outside of your work place is not covered. There is no cover for illness that is not directly attributable to your employment.
An Income Protection policy provides cover 24 hours a day, 7 days a week, any where in the world. The policy will provide you with your selected monthly payment until you are able to return to work or reach retirement age, which ever occurs first.
With recent reforms to Workers’ Compensation legislation, particularly the changes in NSW, the way Workers’ Compensation claims are assessed and benefits paid means there is an even greater need to be aware of the differences.
Income protection and Workers’ Compensation are separate and very different types of cover. Workers’ Compensation payments may not meet your financial needs in a number of events.
The NSW Workers Compensation Scheme provides protection to workers and their employers in the event of a work-related injury or disease. Therefore any injury that occurs outside of your work place is not covered. There is no cover for illness that is not directly attributable to your employment.
An Income Protection policy provides cover 24 hours a day, 7 days a week, any where in the world*. The policy will provide you with your selected monthly payment until you are able to return to work or reach retirement age, which ever occurs first.
With recent reforms to Workers’ Compensation legislation, particularly the changes in NSW, the way Workers’ Compensation claims are assessed and benefits paid means there is an even greater need to be aware of the differences.
Is it any wonder why insurance is so confusing with so many types of insurance now available and each with different options. Here are some of the common types of insurance:
- Term life insurance is the only type of Life Insurance offered in Australia. It pays a specified sum of money to the insured’s beneficiaries or estate as long as the insured passes away while their policy is current.
- Total & Permanent Disability Insurance or TPD Insurance provides a lump sum in the event that the person insured becomes totally or permanently disabled.
- Trauma insurance in Australia is designed to protect you in the event that you are diagnosed with a serious medical condition or disease such as stroke, heart attack or cancer.
- Income protection insurance in Australia is designed to offer you a monthly income if you were to become sick or injured for an extended period of time.
- Workers Compensation Scheme provides protection to workers and their employers in the event of a work-related injury or disease
- Keyman insurance or Key Person Insurance is a type of Life Insurance Policy which is set up or structured in a particular way to protect a business.
Remember that we are here to help you find the insurance that will meet your needs.
