We assess life insurance, income protection, trauma cover, total permanent disability, and business-related insurances such as key person and shareholder protection. The review looks at whether coverage amounts still make sense, whether existing policies have gaps, and how insurance fits with your overall risk management and financial goals.

Yes. We assess how debt is structured - interest rates, terms, the tax treatment, and how it fits with your broader financial objectives. Where changes may improve your position, we work with mortgage advisers and lenders to ensure any refinancing or restructuring supports your overall plan.

We look at whether your will is current, whether enduring powers of attorney are in place, how assets are owned, and whether your wealth would transfer as you intend. We don’t replace your lawyer - but we ensure your legal documents are aligned with your financial plan, rather than sitting in isolation.

Trusts and structures should be reviewed whenever circumstances change - and periodically even when they don’t.

We look at whether existing structures still serve their purpose, whether they’re being administered correctly, and whether they remain appropriate given current tax, legislation, and your personal situation. Where changes are needed, we coordinate with your lawyer and accountant.

You can - but each specialist typically focuses on their own area. A structure that's tax-efficient might create complications for estate planning. Insurance that looks adequate in isolation might leave gaps when viewed alongside your overall risk exposure. Our role is to maintain the overview - so decisions in one area don’t quietly undermine your objectives in another.

That's fine. We’re happy to work with your existing accountant, lawyer, or insurance adviser. Our role is to ensure everyone is working from the same plan, and that advice in one area supports - rather than conflicts - with what you’re trying to achieve overall.