protectIng health care professIonals wIth the rIght Insurance
IntellIgent complete
advIce solutIons
Guild Financial Planning, a member of Partners Wealth Group, is one of Australia’s leading providers of financial and insurance advisory services to health care professionals.
We offer innovative insurance advice to health care professionals and business owners around Australia. Our expertise includes providing comprehensive insurance advice on life, income protection, total and permanent disability, critical illness (trauma) and business expense protection insurance.
We invest in our people whose risk expertise and specialist knowledge of the health care industry are second to none and provide a depth of experience, knowledge and resources that very few companies in Australia can offer.
We focus on your goals and aspirations at every stage of your financial life, looking beyond your balance sheet to understand how you define success. Then we work with you to achieve it – whether it’s finding the right insurance for you, your family and your business.
Managing the risks to financial security is part of every personal and business finance model, and it should be part of yours.
understandIng Insurance and rIsk
If you’ve ever had a car crash, a time-critical flight cancelled, been robbed, been injured or become seriously ill, you’ll know how stressful it can be. Insurance can’t stop these things happening but it can reduce the risk and take some of the worry away. Personal Insurance can pay for the cost of medical treatment and provide an income while you’re off work, meet the costs of paying your bills and looking after people who depend on you. Insurance provides the money you need when things go wrong. We all like to think that accidents and illnesses won’t happen to us. But in fact no matter how much you exercise, or how healthy you are, or how good a driver you are – accidents and illnesses can happen to anyone. And when they do, the last thing you want to do is worry about paying the bills.Before you turn 70¹
Here’s a sobering thought. Before the age of 701, 59 per cent of men and
42 per cent of women will suffer critical illness, be diagnosed with cancer, have a heart attack or stroke, undergo bypass surgery or die from something other than critical illness². In addition, 60 per cent of Australian families with dependants will run out of money within 12 months if the main income earner dies³.
Don’t be another statistic. Get the right insurance to ensure you have the right cover in place for you, your family and your business.
1 This is general population data based on being aged 30. 2 Source: Munich Reinsurance Group in Australasia, 2009.
3 TNS Research: Investigating the issue of underinsurance in Australia. August, 2005. 41% 21% 15% 12% 4% 7% 58% 20% 14% 4% 3% 1%
Percentage not suffering a critical illness Percentage diagnosed with cancer
Percentage suffering from other critical illnesses Percentage suffering from a heart attack Percentage that suffer a stroke
protectIng health care professIonals wIth the rIght Insurance
* If applicable, net of business expense before tax. Please note maximum amounts may apply. ** Generally tax deductable (seek advice from your tax advisor for confirmation).
^ Subject to meeting insurance provider’s requirements.
types of Insurance
There are many different types of insurance – some are stand-alone policies and others can be add-ons to
existing policies or superannuation. Our specialist risk advisors can tailor insurance to meet your needs.
Income protection Business expenses
protection Critical insurance Total and permanent disability Life insurance Why choose? Provides a replacement
income stream if you are unable to work because of sickness or injury
Reimburses the regular fixed operating expenses of your business if you are unable to work because of sickness or injury
To help you cope financially with a traumatic medical condition such as cancer, heart attack, stroke or coronary bypass surgery
To help you cope financially with the impact of total and permanent disability
To help people who depend on you cope financially if you die or if you are diagnosed with a terminal illness and have 12 months or less to live What does
it provide?
Pays up to 75% of your income* for the period of time you are unable to work because of sickness or injury**
Pays 100% of your business’s fixed operating expenses**
Pays you a nominated lump sum up to $2 million^
Pays you a nominated lump sum up to $4 million^
Pays a nominated lump sum – unlimited^
How can you use the money?
• Mortgage repayments • General living costs, e.g. groceries • Other debt repayments such as personal loans, car loans or credit cards
Benefits include expenses such as: • accounting fees • advertising • audit fees • business insurance premiums • cleaning • costs ordinarily incurred employing any non-revenue generating employees • depreciation of equipment • electricity, gas and heating costs • interest payments • leasing costs • net costs of a locum professional • dues, rates, rent and telephone charges
Recovery costs such as: • rehabilitation • making changes to
your lifestyle e.g. a re-fit of your home • mortgage settlement • enabling your partner
to reduce working hours to care for you • provide a reserve to
use as income
Recovery costs such as: • rehabilitation • making changes to
your lifestyle e.g. a re-fit of your home • mortgage settlement • enabling your partner
to reduce working hours to care for you • provide replacement
protectIng health care professIonals
wIth the rIght Insurance (cont.)
gettIng the rIght cover for your needs
Getting the right insurance cover depends on your individual circumstances – what’s right for a young single person is not going to meet the needs of a growing family or a business owner. With so many companies providing different types of insurance, it’s difficult to compare policies and read the fine print. Do you have the time to do this?
Don’t settle for a financial adviser who will only be able to help you with a standard income protection or life insurance policy and will be unable to assist you during claim-time. Do they know if the policy covers needle-stick injuries? What if you lost your eyesight or hearing and how would that loss impact (not impacted) your job and family? You need a risk adviser who really understands the risks and issues that you face every day. Thankfully, our specialist risk advisors are not only qualified and knowledgeable, they also have substantial experience in helping health care professionals like you to protect themselves financially.
Let our specialist risk advisors save you time and money. We can help you find the right cover to meet your needs now and into the future.
how we work wIth you
At Guild Financial Planning, we have a unique understanding of the health care industry which helps us tailor advice that will suit you.
Insurance is an important part of managing personal and business risk but there are lots of different policies and packages on the market, so how do you choose?
That’s where our specialist risk advisors can help.
We meet with you to discuss and gain an in-depth understanding of your needs and lifestyle objectives, your personal situation and what you hope to achieve in the future. We discuss your attitude towards risk, and your current financial position, commitments and obligations. This then builds the foundation for us to recommend the right solution to suit you.
Your dedicated specialist risk advisor will also meet with you regularly to keep you up to date, review your insurance policy to ensure it is still relevant to your needs and consider any new opportunities or threats that may arise. All clients have a dedicated specialist risk advisor.
Our holistic approach to risk management includes comparing a range of policies from a leading panel of insurers in Australia. We help you get the right insurance by estimating how much cover you need, comparing a range of policies and reviewing annual premium costs before giving you a product comparison quote from leading Australian companies offering life, total and permanent disability (TPD), critical illness (trauma), income protection and business insurance.
value of our advIce
There are many people who believe they can do it all themselves when it comes to insurances and financial planning. And while they may be satisfied with the outcomes they achieve, often they do not realise what key information they are missing until something goes wrong.
But when you work in insurance every day, like our specialist risk advisors do, you become very good at identifying opportunities and helping clients make the most of them.
In our experience, our client’s definition of valuable advice includes: • ‘Know me, understand me and help me set achievable goals’
• ‘Simplify my finances so I feel in control, and feel that I can stay in control’ • ‘Help me make smart financial decisions’, and
• ‘Provide me with reliable, valuable and timely communications and reporting.’
Based on our extensive experience working with health care professionals, we believe the value of our advice is found in our ability to partner with you, provide you with a holistic approach and tailor solutions that meet your individual needs and goals. If you are looking for an advisory group who genuinely cares about the value of the advice they provide to health care professionals today and into the future, then we look forward to working with you.
“As a young unmarried
couple we were both
advised by Guild Financial
Planning to take out a
trauma insurance policy,
which we did and then
forgot about. Years later,
my now husband was
diagnosed with cancer.
With 3 children, a mortgage
and ‘life’ needing to
continue on as normally as
possible, we were able to
use the money from that
Insurance cover.
Guild Financial Planning
helped us with our claim and
took that worry out of our
hands. Thank you for what
you did in that time of crisis...
we will be forever grateful...
it’s nice that good old
fashioned service still exists.”
fInd out what Insurance may Be suItaBle for you
Insurance for young workIng professIonals
“If I got sick and was out of work, could I still afford my lifestyle?”
Get living insurances to protect your independence
Being young and single comes with its own priorities and financial responsibilities. For many, this time of life is about laying down the foundations for your financial future. No-one plans to get sick, injured or to die unexpectedly, but it does happen. Young people tend to discount the chances of it happening to them, and think that because they have no dependants, they don’t need to worry about anyone.
Actually there is someone you need to think about – you!
You’ve worked hard to earn the lifestyle you lead. If something happened to you – say an accident or a sudden illness – your ability to earn an income would stop, either temporarily or permanently.
Things to consider
You should consider protecting your lifestyle and independence by taking out income protection and total and permanent disability (TPD) and/or critical illness insurance. If you already have a policy but are not sure if it’s right for you, we can research the market, find the right product for your needs and give you a comparison quote. Don’t forget your insurance needs will change as your circumstances change and you should reassess your insurance if you decide to buy a house, get married, start a family or start a business.
Case Study: Megan realises that accidents do happen to people like her
Megan worked for a corporate firm, earned an income of $50,000 and had a $3000 credit card debt and a $15,000 car loan. She had $100,000 life insurance cover as part of her superannuation policy which had an accumulated value of $20,000.
One day Megan’s best friend had an accident on the ski slopes. She was flown to hospital and was unable to work for almost a year. After seeing her friend’s financial vulnerability, Megan wondered if she should take out insurance in case something similar happened to her.
With the help of our specialist risk advisor, she selected $200,000 life, total and permanent disability and critical illness cover in addition to the life insurance provided through her superannuation. The combination of superannuation and stand-alone insurance would provide Megan with a lump sum if she became totally and permanently disabled or suffered a specified trauma. The money would help pay for medical treatment and alterations to her apartment.
Having organised cover to provide her with a lump sum to help her deal with immediate issues, Megan was still concerned about what would happen if she suffered an illness or injury that prevented her from working. How would she pay her bills and afford to live?
Megan’s employer provided up to four weeks of paid sick leave but Megan had no other income to rely on. She chose income protection cover with a monthly benefit of $3,125 (75 per cent of her income – the maximum cover available), a four-week waiting period and benefits paid to age 65. Megan also chose to include an increasing claim option to ensure her monthly benefit would keep up with inflation. Because Megan wanted to avoid sudden increases in premium payments as she aged, she chose to pay level premiums. With level premiums she knew she would be paying a little more than stepped premiums in the first few years of the policy, but she would save in the long run. The premiums on a level premium contract are likely to remain the same, unlike stepped premiums which usually increase as the insured gets older.
fInd out what Insurance may Be suItaBle for you (cont.)
Insurance for young famIlIes wIth chIldren
“If I died or was involved in a serious accident and unable
to work, could I still pay for my children’s education and my
family’s lifestyle?”
Get living insurances to protect your family and children
When you have children, your personal insurance needs reach a climax. If yours is like most working families, you’ve used debt to fund a range of purchases including your family home. What if you (or your partner) die, become totally and permanently disabled or suffer a critical illness such as cancer, heart attack or a stroke? The home loan repayments will still need to be made, bills still need to be paid, even though the salary your family has relied upon is temporarily or permanently unavailable.
Things to consider
If you have young children or dependants, a home loan and other personal debts, you have financial
responsibilities and should consider income protection, total and permanent disability (TPD), critical illness and life insurance. If you already have a policy but are not sure if it’s right for you, we can research the market, find the best policies for your situation and give you a product comparison quote. If you think you’re over or under insured, we can help you work out what you need.
Don’t forget that your insurance needs change as your circumstances change and you should reassess your insurance needs at different stages of your life.
Case study: Jenny’s cancer shock
Working as a primary school teacher in a country town meant that Jenny led a hectic life. At age 42, with a husband, two small children and a class of Grade 4 children during the week, there was rarely a dull moment.
But a visit to her local doctor changed everything. A Pap smear returned an abnormal reading and Jenny was referred to a specialist in a nearby city for a biopsy. The result confirmed the presence of abnormal cells on her cervix with a ‘CIN 3 grading’. Luckily, this is an early stage of cancerous growth. The specialist explained that Jenny required a small operation to remove the abnormal area and then she would need regular tests to monitor her condition. The good news was that she would likely make a complete recovery.
Insurance for mature famIlIes
“If I was diagnosed with cancer, would I need to use my
savings to pay for medical treatment?”
Get living insurances to protect your lifestyle
As you move through life, your personal insurance needs change. Mature families usually feel their financial pressures ease as their children embark on their own ‘young and single’ life stage. You’ve worked hard to build that nest egg and you’re enjoying it. But what if something were to happen to you?
Despite the statistics, it’s still easy to dismiss illness, injury or unexpected death with “it won’t happen to me”. But think about it. If you suffered a serious illness or permanent disability, would you have to use your investments or savings or even sell the family home to pay for medical treatment? This is an important time to review your insurance needs.
Things to consider
You should consider taking out or reviewing your total and permanent disability (TPD), critical illness, life and income protection cover if you still have a financially dependent family, mortgage or personal debts. You may already have a policy but not sure if you’re under-insured or over-insured? We can do the work for you by reviewing your policy and finding the right insurance deal to meet your needs.
Case study: Tony’s heart attack scare
Admittedly, Tony was not at the peak of his physical fitness. Aged 58, he worked 9-10 hours a day in a job that saw him spend most of his time at his desk or in meetings. With a busy work life, he struggled to find time to eat well or get enough physical exercise.
On his way to work one morning, Tony felt a shooting pain in his chest and some numbness in his left arm. The pain subsided after a while but it left him breathless and very concerned. Luckily, Tony decided to visit his GP who immediately referred him to the emergency department at the local hospital to have some tests. The specialist explained that Tony was experiencing chest pain because the blood vessels in his heart were blocked by plaque build-up and that he needed a triple vessel angioplasty to help the blood flow better. This meant extended time off work and lifestyle changes.
Fortunately, while meeting with our specialist risk advisor a year earlier, Tony had decided to take out a critical illness insurance option. Because of this, Tony received a lump sum of $150,000
and he was able to keep paying the bills while he took the time to rest and get well again.
Insurance for the small BusIness owner
Could your business survive without you?
Get living insurances to protect you, your business and family
As a responsible business owner you probably don’t think twice about taking out insurance to protect business assets such as your premises, equipment and vehicles. When you run your own business, a lot rests on your shoulders. Business debts, running costs, employee wages – they all depend on your ability to keep working. Then there’s your household expenses and, most importantly, your family. With your family’s financial security so closely linked to your business, what would happen if something happened to you?
Things to consider
Think about what would happen if you, your business partner, or one of your key employees couldn’t work because of sickness or injury. Could the business keep running? How much revenue would your business lose? Could you afford a replacement?
Then consider the long-term viability of your business. Could you repay the business debts? Could you or your business partner,afford to buy each other out? If you needed to sell the business, would you be able to find a buyer?
And what about your family? How would they replace your lost income? Could they afford the mortgage repayments? How long would the family savings last?
Debt repayment strategies can help make sure your existing debts are repaid and there can be tax advantages too. • If a key employee dies or becomes totally and permanently disabled, an insurance policy can help cover the
financial impact on your business.
• To help you cope with a significant reduction in turnover, your fixed business expenses – like rent, non-income producing staff wages and electricity – can be covered.
• By taking out life insurance on yourself and a business partner, you can ensure a buy/sell agreement is triggered if something happens to either of you.
• You can protect your family’s lifestyle by covering against the loss of your income on either a temporary or permanent basis. • You can cover yourself, your spouse, and your children against increased medical expenses. • Personal debt protection can make sure your family is not left with unaffordable debt if you can’t work again. • You can often claim income protection and business expenses premiums as a tax deduction. • You may be able to take out lump sum Life and Total and Permanent Disablement (TPD) cover inside superannuation, effectively reducing the cost of insurance by your marginal tax rate.
fInd out what Insurance may Be suItaBle for you (cont.)
why choose us?
• At Guild Financial Planning, we have a unique understanding of the health care industry, which helps us understand and tailor our advice to suit you
• The ease and convenience of working with a single organisation to achieve your client’s financial and lifestyle goals.
• The right expertise and depth of experience, knowledge and resources that very few companies in Australia can offer.
• Specialist advice and consultancy services from a team of experts who tailor financial solutions to suit every stage of your life. • A holistic approach with access to
broader products and services to explore, maximise and better manage your financial wellbeing.
• A proven track record in providing complete, intelligent insurance solutions to health care professionals and business owners.
• Our staff whose financial expertise is second to none and whose experience and knowledge delivers on our promise – complete, intelligent insurance solutions every time.
• We provide regular reports on your financial plan including an interim review every six months and a full annual review. This allows you to maintain a complete understanding of your progress to your goals and allows us to make adjustments to meet your changing needs.
fInd out what Insurance may Be suItaBle for you (cont.)
take the fIrst step
towards achIevIng
your goals
Book your free
consultatIon now
If you already have insurance,
a second opinion can be powerful.
Do you have the right insurance
for your current situation? Are you
under insured or over insured?
We can review your existing insurance to make sure it still meets your needs and research the market to find the right policy for you, your family and your business.
Insurance is just one of the specialist services and areas of financial and business advice offered by Partners Wealth Group. Our expertise provides you with the flexibility of standalone financial, legal and lending services or a full bespoke package to meet all your financial management needs.
With Partners Wealth Group you only need to tell your story once.
refer a frIend today
If you’re an existing client and
believe the value of our advice
on insurance services could
help protect your family and
friends, we would welcome the
opportunity to talk to them.
All referrals will be treated with the utmost confidentiality and respect. Take the first step and book your free consultation or refer a friend today.
need more than Insurance?
we can help too
As you consider your options for
personal and business insurance
you might start thinking about
your financial future as a whole.
No-one is better placed than Partners Wealth Group to help tailor a financial solution that’s right for you.
Case study: Business succession planning – a cautionary tale
After graduating from university, Helen and Sarah took a risk and established a graphic design company together, each holding a 50 per cent share. Ten years later they were making a good living and had developed strong relationships with their clients and employees. Helen’s only concern was Sarah’s new husband, James, who had started to interfere in the business with grandiose and inappropriate schemes. Sarah knew how Helen felt and kept James at arm’s length.
As their business thrived, Helen and Sarah consulted our financial advisor about minimising their tax and investing surplus cash. Our specialist risk advisor recommended they both draw up wills and also consider setting up a separate will for their business – in other words, a business succession agreement.
Our advisor also suggested they both take out life, total and permanent disability (TPD), and critical illness insurance as part of their business succession agreement so that if one of them were forced to leave the business because of an insurable condition, funds would be available to buy out that person’s share.
Both Helen and Sarah established wills shortly after the meeting with our advisor. But as they were still young and very happy working together, they decided there was no need to establish a buy/sell agreement at this stage or take out insurance. One day Sarah collapsed in the office. An ambulance was called, but the paramedics couldn’t revive her and she died in front of Helen and their staff from a brain aneurism. Helen was deeply affected by Sarah’s death and initially closed the business, but after a while was able to go back to work. She was reasonably upbeat until she met her new business partner – Sarah’s husband James. As the sole beneficiary of Sarah’s will, James inherited all her assets, including the 50 per cent share of the graphic design company. James made Helen’s life very difficult. He insisted on being involved with all business decisions, even though he had limited business acumen and no understanding of graphic design. And it didn’t just affect Helen – one of her staff became increasingly uncomfortable around James and started talking about resigning.
Whatever your income
or circumstances,
Partners works with
you to make sure
your investments and
retirement planning
strategies benefit
you and are tailored
to meet your life’s
changing needs or goals.
Not all Financial Planners are the same. We have a unique structured approach to financial planning and investment advice focused on driving the right financial outcomes for you. Our comprehensive wealth planning services include:
• Investment advice including direct shares, fixed interest, listed and unlisted property, cash and money market investments • Managed discretionary accounts • Pre-retirement and retirement
planning
• Advanced Self Managed Superannuation advice and implementation
• Debt reduction and recycling strategies
• Business succession planning • Purchasing property through
your SMSF using borrowed funds • Tax effective investment advice • Centrelink and aged pension
advice
• Portfolio administration services • Incidental advice.
Partners Retirement Planning Investment Advisors are Authorised Representatives of Charter Financial Planning Limited, Australian Financial Services Licensee Licence Number 234665.
As a comprehensive
provider of SMSF
services, Partners
offers in-depth
experience and
specialist accounting
expertise to meet your
tax and regulatory
requirements.
Our services include:
• Accounting, administration, and annual compliance for SMSFs • Tax lodgement and advice
for SMSFs
• Financial statements prepared in accordance with Australian Accounting Standards • Schedule of investments • Trustee minutes and declaration • Members statements • Independent audits. We also offer a comprehensive Fund Administration Service to trustees of SMSFs who want more than a compliance service by: • Being the postal address
for the fund
• Maintaining and managing all funds and cash flow • Ensuring expenses and tax are paid • Preparing quarterly BAS/IAS where appropriate • Attending to benefit documentation.
Legislation and
regulations covering
superannuation are
constantly changing.
The ATO’s ability to
impose penalties has
been dramatically
increased.
Now, more than ever, it is important for SMSFs to ensure they comply with the law. Partners Superannuation Services offers expert advice, support and services to accountants and financial planners to assist clients from set up through to wind down and all SMSF related concerns. Partners Superannuation Services include: • Technical advice and strategies • New fund establishments and deed updates • Company incorporations • Working with clients wanting to
gear to acquire property • SMSF compliance and strategic consulting service • SMSF support annual telephone subscription service • SMSF audits • Actuarial certificates – including online service • Provision of pension establishment and commutation documentation. We stay well ahead of the game when it comes to complex and changing tax and superannuation laws and work with our financial planning and investment divisions to deliver a holistic wealth strategy to assist clients whether they are accumulating funds for retirement, have commenced a transition to a retirement income stream or are retired.
Partners Legal
provides networked
and relevant solutions
to our commercial and
private clients and
small to medium size
accounting firms. It
is a new breed of law
firm which offers an
integrated, one-stop
shop approach to all
our client’s issues and
needs including:
• Estate planning and management • Business succession planning • Corporate and commercial
law matters, including Personal Property Securities
• Workplace relations and employment
• Superannuation
• Property transactions including Limited Recourse Borrowing Arrangements (LRBA) • Litigation and dispute resolutions. In particular, we are a leader in streamlined and integrated LRBA Solutions and have the know-how and expertise to provide innovative results and cost effective outcomes, which meets the needs of the investor. We also provide a highly successful Sustainable Business Solution and model, which not only guarantees an orderly succession process but also maintains intergenerational wealth and equity for stakeholders.
Partners Mortgage
and Lending Services
Pty Ltd (PML) offers
a full-scale finance
brokering business to
help you secure the
best finance option
and make an informed
choice about your
personal or business
lending.
We take the time to understand your goals, and most importantly we act for you not the banks or finance companies. Our services include:
• Residential and investment mortgages including refinancing and debt consolidation • Motor vehicle, plant and equipment finance • Finance for superfund borrowing to buy property • Business and personal lending requirements • Commercial property and business loans • Construction and property development loans. Partners also offer an extensive range of lending products from Australia’s leading banks and non-bank financial institutions. We can provide you with a short list of the most competitive loans suited to your financial situation.
Partners Property
(PP) works to help
them make informed
property decisions
that can maximise
returns and minimise
risk. We can offer
innovative strategies
to free up cash flow
for future property
acquisition.
Partners Property assists clients with: • Property syndication opportunities • Residential and commercial buyers advocacy • Access to restricted property offers • Development risk • Depreciation schedules. We also provide strategic property advice on:
• Existing property investments • How to maximise returns and
improve cash flow
• Acquisitions and sale of property • Suitability for development • Structuring when purchasing
property
• Investments via financing of property backed investments • Strategies for property
portfolio growth.
At Partners, we
work with clients
to restructure their
salary and increase
their net take home
pay. We help clients
take advantage of
approved employer
salary packaging
benefits such as
superannuation,
health insurance,
car leases, laptops,
mobile phones and
mortgage loans.
We look at individual employment agreements and advise clients on which options will best meet their requirements based on their life stage. We examine the opportunities relating to: • Motor vehicle financing –
including novated leasing • Salary packaging into
superannuation in order to lower employee tax liability • The overall impact of salary
packaging with superannuation, investment and insurance wealth strategy.
We also work with employers seeking to use salary packaging as a way to:
• Compete with other businesses looking to attract and retain skilled staff
• Support pay roll tax and work cover reductions
• Enhance their business culture through increased staff productivity.
Partners 360 Bespoke
Services has been
developed as our
premium product to
meet our client’s
demand for a highly
personalised and
client specific package
that encompasses all
their personal advice,
financial management
and administration needs.
Our expertise and family office style offering means that in addition to the stand alone services we provide, we also work closely with our clients to alleviate the administrative burden of managing their family assets and affairs including: • Debt management • Investment and financial planning • Employment agreements • Salary packaging • Legal affairs • Estate planning and management. We also provide a bespoke wealth package with investment, legal and tax advice, to preserve and grow our client’s family wealth through: • Family governance
natIonal reach and networks
Guild Financial Planning is a member of the Partners
Wealth Group, one of Australia’s leading business and
financial advisory companies.
With offices in Victoria, New South Wales, Western Australia and Queensland, we offer innovative business and financial advisory services to health care professionals across Australia.
contact us
The first step to achieving your goal is a phone call away.
Contact our team of specialist risk advisors now.
GuILd FInAnCIAL PLAnnInG
*
Head Office: Level 13, 636 St Kilda Road, Melbourne VIC 3004
(PO Box 6852, Melbourne VIC 3004)
nSW Office: Level 4, 8 Spring Street, Sydney NSW 2000
QLd Office: Level 3, 164 Grey Street, South Brisbane QLD 4101
WA Office: Suite 4, Level 1, 610 Murray Street, Perth WA 6005
)
1800 333 143
/
[email protected]
x
www.guildfp.com.au
Partners Wealth Group Partners Retirement Planning & Investment Advisors Partners Salary Packaging Partners Property Partners Mortgage & Lending Partners Legal Partners Superannuation Services Partners Superannuation Tax Services Partners 360 Guild Financial Planning
disclaimer: Guild Financial Planning Advisors are Authorised Representatives of Charter Financial Planning Limited, Australian Financial Services Licensee Licence Number 234665. This document contains