While everyones goals are different, they all rely on short, medium and long term investment strategies to make them a reality. We can provide you with genuine opportunities to invest for real growth in net worth through a range of carefully researched savings and managed investment products.
We believe a key goal in any financial plan is to retire in style. The scope of our advice extends from the products and strategies that are appropriate for accumulating your retirement assets through to maximising your retirement income stream by working within the current tax and Centrelink guidelines.
Personal Insurance Cover
A review of your personal insurance needs to ensure your financial and lifestyle security is not undermined by inadequate insurance to cater for emergencies, including Life Insurance, Income Protection, Trauma Cover and Total and Permanent Disability Cover.
Business Insurance – Key Person and Buy Sell (Partnership)
Business risk insurance planning should be part of life for all small and medium sized businesses and a well prepared business risk insurance plan will consider Key Person insurance, Business succession planning (buy/sell), Debt reduction or guarantor protection insurance, and Business expenses insurance.
Many businesses establish voluntary group risk insurance benefits for their employees. Group risk insurance typically involves offering Term Life, Total & Permanent Disability (TPD) and Salary Continuance insurance cover. Group risk insurance products are offered to employers who have a minimum number of eligible employees (minimum of 50 employees). Superannuation Trustees can also access group risk arrangements for their members. This type of employee benefit provides a valuable financial safety net to employees and their families in the event of premature death, suffering permanent disability or if an employee is unable to work due to sickness or injury.
Super is one of the most important investments you may make in your lifetime, so it’s important to understand how your super works, strategies you can take advantage of, what it’s worth today and how to maximise your super for retirement. Superannuation can be technical and that’s where your EBM Financial Planner can assist. We work with you to ensure your super benefits are meeting your objectives.
Employers have a legal obligation to ensure they comply with legislation in respect to their employee’s superannuation requirements. Failure to comply will incur financial penalties. EBM Financial Planning works with Employers to establish, review and maintain appropriate and effective superannuation plans ensuring they meet compliance and statutory obligations.
Discuss your requirements with one of our highly qualified financial planners.