Insurance Advice

Insurance Advice

Our diverse, proactive insurance advice can help minimise your risk and ensure that your assets and your family are protected — no matter what life may throw at you.

As all your hard work and dedication starts to pay off, you’re likely to start accumulating expensive assets—assets that need to be protected from unpredictable hazards. Mother Nature can damage your properties, and downturns can hurt your stocks. While some losses may be unavoidable, Smart Financial’s insurance advice is here to help you minimise your risks as much as possible. Privately owned and not exclusively aligned to any major financial institution, you can rest assured that our insurance advice is completely unbiased.

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Our Insurance Advice

If you fail to choose the right type and level of insurance coverage, you could be putting yourself and your assets at risk. We can help you make the right decisions regarding your insurance by:

  • Gaining an in-depth understanding of your financial position—this way, we can tailor our insurance advice specifically for your needs
  • Taking into account your financial goals and helping you achieve them
  • Exploring the different types of insurance available, including life insurance, superannuation insurance, total and permanent disablement insurance (TPD), income protection insurance, and trauma insurance
  • Discussing the pros and cons of superannuation life insurance
  • Discussing different strategies, including personal insurance, entity structuring, business succession and estate planning
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The Value of Insurance Advice

Life can be unpredictable and, as you start accumulating more assets, the more you have to lose in case of a disaster. Having insurance on those assets can protect you and your finances and minimise the inherent risk. We can help you choose the insurance that most makes sense for you and your specific circumstances. That way, you can be prepared for anything that life might throw at you.

Why choose us?

Clarity - Direction for Your Financial Journey

We start by taking the time to understand you and your family—where you are today, your values, and your hopes for retirement. We use this understanding to help you clearly visualise your financial future, and then build you a straightforward, personalised plan to achieve this vision. We are with you every step of the way, helping you navigate change and delivering clarity throughout all stages of your financial journey. You can be confident that you have a sound plan for your family’s future and your retirement.

Partnership - Your Trusted Adviser and Coach

We pride ourselves on being approachable, proactive and delivering open and honest interactions and guidance. We leverage our personal experience and expertise to better understand your needs, and provide you with an alternative perspective. You’re more than just a number to us—we truly want to get to know you and your family so that we can better tailor a solution that suits your specific needs. We work hard to establish a long-term partnership with you—this way, you know that you’re respected, supported and understood.

Expertise - Technical Knowledge for Solid Financial Management

The Smart Financial team possesses in-depth technical expertise and experience to help you set goals, manage your cash flow, secure and grow your wealth, protect your assets, and explore your retirement and aged care options. We consider your current financial position, and your plans, to build a strong platform for your future. Our regular reporting helps you update your financial plans as your life evolves. With Smart Financial, you have the security of knowing your wealth is not only protected, but growing.

Local - An Established Team with a Regional Focus

Smart Financial was established in Shellharbour over 10 years ago and, today, has multiple offices throughout the region. All our advisers are long-term residents, deeply embedded in the local community, and all our clients have direct access to the leaders of the business. Privately owned and not exclusively aligned to any major financial institution, you can rest assured that we are unbiased and act only in your best interest. Wouldn’t you rather partner with someone who shares not only your values, but your local heritage as well?

Let’s talk about the financial plan you deserve

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