We help you secure your financial future with our risk management services
We understand that our risk management services won’t be for everyone, but we wouldn’t be adhering to our holistic approach if we didn’t provide you with options. Our advisors and accountants promise that we will present your options to you from the different areas below. Anything we recommend to you to support, reduce stress and protect your retirement, will be done so in your best interest.
How our risk management services work
Our risk management services are simple. In our obligation free, free initial meeting we chat to you about your financial goals as well as your personal goals. From there we devise strategies to help you get there, whilst also analysing any risks that may get in the way of what you want to achieve. From there we evaluate those risks and present you with ways we can prevent the risk.
Whatever your decision is, we will respect it as long as you understand the implications and are happy with that. We don’t want to sell you a policy if you don’t want or need it.
If you decide on a risk management strategy we then put into place and monitor and review it to ensure it is still the best option for you and your financial goals.
Contact our Gold Coast office for more information
If you would like more information regarding our risk management services, contact the helpful team at our Gold Coast office.
We can help you manage the effects of serious illness, or even death, so that these events do not seriously jeopardise your family’s financial well-being.
As we are not aligned with any financial institution we have access to a range of products from leading providers; rather than being limited to a particular corporate or institutional offering. So, whether its life, trauma, total & permanent disability, income protection, or other insurance across your investment and lifestyle assets, B&M Financial can assist.
There are benefits to having insurance inside your Super— namely, it's possible to see higher payouts to beneficiaries and you have more control.
However, insurance within a SMSF has downsides as well. There are medical and tax rules, to consider, among many other considerations. A wrong decision could leave your insurance payments inaccessible.
While you are not required to purchase insurance within your SMSF, Australian law requires that you prove you have considered it. So how do you decide if insurance inside SMSF is right for you? Let us help!
With decades of experience in Insurance, our experts will explain all the options as well as lay out the costs of each so you can make decisions based on all the facts.
Our experts are here to help:
- We'll help you determine which types of insurance you're eligible for, and what benefits and costs are associated with each type.
- We'll look at your current Super or SMSF to determine your existing coverage, whether or not it's adequate, and what you would need to do to get the coverage you want.
- Together we'll go over all of the pros and cons of insurance inside and outside of your SMSF so you'll be completely confident in your choices.
- Once you've made your decisions, our team will guide you through every single step of the set up so all paperwork requirements and deadlines are met.
You’ve worked hard to build your business. It may suffer if you are unable to perform your current roles. We don’t want this conversation to happen when you get sick.
We can help you with insurance to protect your business in case you are unable to fulfil your role as the owner/partner/shareholder due to illness, disability or death.
B&M Financial can help you develop your strategy for maximum protection, to offset reductions in revenue should something happen to you (or to other stakeholders named in the policy), or cover fixed business expenses if the revenue generating capability of your business is hamstrung by your inability to work due to illness or disability.
“Joe has been instrumental in the growth and structure of our existing Child Care Centers, he has been with us every step of the way from bookkeeping, tax planning and general compliance will all the government departments. The next phase of our wealth accumulation has seen Joe structure our super funds, so we can own our commercial Child Care premises which means we will be paying rent to our super funds to own the premises in the long term.”