Who gets your super?

Who decides what happens to your superannuation savings when you die? You may think that you do, but that isn’t always the case. The ultimate decision may be made by someone you don’t even know – the trustee of your superannuation fund. Let’s look at how you can have...

Where’s your ‘In Case of Emergency’ file?

When Mike died suddenly and unexpectedly Sally, his wife of over 30 years, was overcome not just with grief, but also with panic. Not only did she lose her best friend and soul mate, Mike had always been the family money manager. While Sally knew they were financially...

Protect your estate from these mistakes

It’s a sad but unavoidable fact: one day we are all going to die. You will most likely have clear ideas as to how you would like your hard-earned wealth – your ‘estate’ – to be divided amongst your loved ones or other beneficiaries. However, estate planning is a...

Is a DIY Will kit enough?

More than 45% of Australians don’t have a valid Will. If you die without one, your hard-earned wealth (your estate) will be distributed according to the rules of intestacy – a government-determined formula. That may not divide your estate as you would like, and if...

Ensure your Business is covered

You have put in the effort to start your own business and hopefully you are doing well from it. But what happens if you cannot work due to injury or illness, will your business survive without you? This is where business insurance comes into play, with a few options...

Personal Insurance Mini Series

Here is the complete series of our Personal Insurance Mini series where we cover over the four main types of personal insurance. First we have Life insurance, this covers you on your death or Terminal Illness when given 12 (or 24 months) left to live (as certified by...