Do you need financial advice?

Why financial advice?

The financial decisions that people make at different turning points in their life can have immediate and life-long consequences.
Good advice should provide the information you need to make the right decisions – decisions that suit your circumstances and your aspirations. Insuring the ‘keyperson’ within your environment allows you continue with your aspirations should the unexpected occur.

 

What makes good advice?

Good advice helps you make the most of the assets you have, continue building those assets, and achieve financial security and peace of mind.
Good Advice puts your needs first, helping you better understand your financial situation and considers alternatives while providing solutions and strategies that suit your needs; In short, financial advice helps you make better informed decisions while providing you with security and peace of mind.

If you are in doubt with regards to your requirements or if you would like to review your existing life insurance, please feel free to call me on 1300 78 55 77.

Can you gamble with cardiovascular disease

The National Heart Foundation of Australia has estimated that nearly 4 million Australians have cardiovascular disease (CVD); almost 20% of the population. CVD prevalence increases with age, with 35% of Australians aged 55-64 reporting a long term CVD condition.
The Heart Foundation goes on to say that cardiovascular disease is the second largest cause of disease burden in Australia; accounting for 18% of the total burden of disease.

Cardiovascular disease is still Australia’s biggest killer. In 2011, CVD was the cause of 45,600 (31%) of all deaths—responsible for more deaths than any other disease group.

Knowledge and application of that knowledge is our battle against cardiovascular disease. By knowing the risk factors and developing protective factors we can reduce the likelihood of suffering a heart problem or disorder and improve our capacity to respond should a disease occur.

A protective factor can therefore be described as one that contributes positively to an individual’s health and wellbeing. Factors which protect against CVD can vary from levels of HDL in the bloodstream sufficient to help protect against arterial plaque formation to behavioural factors, such as getting regular physical activity or eating plenty of fresh fruit and vegetables. Socioeconomic protective factors, such as having a strong social support network or an adequate level of income, are also important.

Knowledge of the potential for cardiovascular disease should also be a reason to discuss whether you or your business is prepared for it to happen to you or someone important to you. What would you do if you could not work or have the work done by an employee integral to your business? Would your business survive losing a ‘keyperson’ for an extended period of time, or worse, permanently?

Knowledge is good, but only if you apply that knowledge. Safeguard your family and your livelihood, review your insurance cover and be proactive in looking after your health.

If you are in doubt with regards to your requirements or if you would like to review your existing life insurance, please feel free to call me on 1300 78 55 77.

Fact sheet released by National Heart Foundation of Australia www.heartfoundation.org.au

SMSF Funds Lack Important Protection

‘SMSFAdvisor’ recently highlighted a study carried out within the insurance industry which revealed that the majority of SMSF trustees are underinsured when it comes to life insurance – possibly without even realising it. It went on to explain how only 13% of those partaking in the study actually had life insurance with many believing they did not need it or were ignorant to the fact their SMSF did not provide for them.

Life insurance is often misunderstood when it comes to knowing how much is required. It does not need to be complicated but it does need to be considered.

If you are in doubt with regards to your requirements or if you would like to review your existing life insurance, please feel free to call me on 1300 78 55 77.

Original article released by www.smsfadvisoronline.com.au on 6/06/2013