The appropriate amount of life insurance depends on your individual circumstances.
Factors typically considered include:
- Outstanding debts (such as a mortgage)
- Ongoing living expenses
- Income replacement needs
- Children’s education costs
- Future financial goals
Rather than selecting an arbitrary figure, a structured assessment helps determine a level of cover aligned with your financial responsibilities and long-term objectives.
Other FAQs
SMSF lending is significantly more complex than standard residential or commercial finance. A specialist SMSF mortgage broker can help you understand lender requirements, compare available loan options, coordinate with your [...]
SMSF commercial property loans may attract different interest rates and fees compared to standard residential lending. This is because SMSF lending involves specialised structures, additional compliance requirements, and a smaller [...]
We have access to a broad panel of 50+ lenders, including major banks, regional lenders and specialist providers. This allows us to compare loan products and lending policies across multiple [...]
Suppose you’re a builder who has only been operating and working for yourself for a year or so — but you’ve been working in the industry since you started an [...]
Financial advice can have a mix of both one off and ongoing fees depending on the types of advice provided, for a better understanding see our fee table here.
General information is broad and educational. Financial planning provides personalised advice, based on your specific circumstances, goals and risk profile — helping you make decisions that are appropriate for you.
There’s no single benchmark that applies to everyone. The amount you need in super depends on your lifestyle goals, retirement age, other assets and whether you expect to receive any [...]
Superannuation is generally preserved until you reach your preservation age and meet a condition of release, such as retirement. There are limited circumstances where early access may be permitted, including [...]
Possibly — but it depends on your financial position and how sustainable your income will be. Early retirement means your savings need to last longer, and you may not yet [...]
Recent legislative changes mean new SMSF borrowing arrangements for residential property are generally no longer available. However, eligible SMSFs may still be able to borrow to acquire qualifying commercial property [...]
This is a grant available to Australian citizens or permanent residents who wish to buy or build their first home, which will be their principal place of residence within 12 [...]
Yes, refinancing may be available for eligible SMSF loans. Common reasons for refinancing include securing a more competitive interest rate, restructuring an existing loan, improving cash flow, or aligning the [...]
A wide range of assets can be financed, including: Cars, utes and vans Trucks and commercial vehicles Machinery and equipment Office or specialised business equipment If you're unsure whether something [...]
Yes. A home loan is just one part of your overall financial picture. Financial planning helps ensure your property decisions align with your broader goals, including wealth creation, retirement, risk [...]
The cost of advice depends on the complexity of your situation and the type of advice provided. All fees and any commissions (where applicable) will be clearly disclosed so you [...]
