Personal & Business Financial Risk Management Services in Perth

A financial expert jotting down notes

At WealthVisory, our team of finance experts are the best at what they do. We offer a range of professional financial services to our clients, both business and personal. We provide industry-leading advice and information to help our clients better understand their finances and implement strategies to enhance their financial position. We provide information and advice relating to superannuation, risk management, self-managed superannuation funds, wealth accumulation and management, cashflow management, and all things related to these areas. To find out more about a service that we offer or make an appointment with one of our financial specialists, call us today.

With so many different types of insurances on the market all claiming to offer the best products, it can be difficult to decide which type of products are right for you. We can discuss your personal situation and provide you with the right advice so that you can effectively compare insurance products.

Life insurance cover, income protection and other types of cover can be provided through your superannuation fund. Many people opt to keep their cover through their superannuation as it keeps all of your coverage in the one place. Different superannuation funds charge different fees so it’s important to assess and understand your outgoings and make sure that you are getting the best coverage for what you’re paying. We can help you to compare your cover, what you should be paying, and the type of insurances you might need.

To find out more about the services that we offer at WealthVisory, book an appointment with us today.

Risk management

The team at WealthVisory understand the risks associated with personal and business finances. Thankfully, we also understand ways of mitigating or reducing the impacts those risks can cause. We can assess your risk factors based on your personal situation then provide you with advice and strategies that you can use to reduce those risks. We work alongside businesses, couples, and individuals to better understand their financial risk factors and put steps in place to create a more secure financial plan.

Life insurance

There are many options to consider when it comes to life insurance. With so many new life insurance companies appearing offering great deals and cheap cover, but what are you really getting? We can compare your coverage to make sure that you’re getting the best deal on the market. If you have life insurance provided through your superannuation fund, we can assess it against other life insurance companies. Getting the best life insurance coverage is important when it comes to providing adequate coverage to your family after you pass away. You want to ensure that you have enough money to cover your funeral expenses, outstanding debts, and income. Not sure where to start when it comes to your life insurance policy? Let us help you today.

Benefits of getting life insurance

  • Covers the cost of your funeral expenses
  • Helps to pay off any outstanding debts that may fall onto your family
  • Reduces financial stress for your family or next of kin 

Income protection

Finding an income protection insurance that suits your financial situation can be difficult, especially when there are so many factors to consider. We can help you to compare policies and find a solution that is right for you. Ensuring that your policy covers enough of your income to pay your recurring debts is vital when it comes to selecting a policy. You may already have income protection through your superannuation fund without even knowing it. It’s important to find out exactly what will be covered through your superannuation fund and the fees associated. If you are looking at taking out an income protection policy with a new provider, assessing your current cover, or, just have questions about the process, we can help. Contact the team at WealthVisory today for more information.

Benefits of income protection insurance

  • Prevents loss of income if you’re unable to work
  • Gives you a sense of comfort and reduces stress
  • Income protection insurance can sometimes be tax deductable

Total and permanent disablement (TPD)

There are situations in life that we cannot control or change. A life-altering event can completely affect your ability to earn an income, leaving you with recurring debts left unpaid and an inability to support yourself financially. Understanding your options when faced with this type of challenge is vital. Most superannuation funds offer TPD insurance as part of their product, so be sure to check with your superannuation fund prior to purchasing additional insurance. Getting coverage through your superannuation may be cheaper than adding additional coverage through another insurance provider. We can help to compare the benefits offered by insurance providers to ensure that you are getting the most out of your product. Considering insurance to ensure that you are covered in the event of a serious injury or accident will help to reduce the financial impact and provide some support in such a difficult time. To find out more about your insurance and coverage options, contact us today.

Trauma and critical illness

Suffering with a severe trauma or critical illness is difficult enough. Dealing with the financial impact on top of it is something that no one should have to endure. Having a plan in place that helps to prepare for an accident or illness will help you and your family cope with the financial pressures that could arise due to loss of income. There are hundreds of insurance products on the market which can help to keep you and your family covered in the unlikely event of a trauma or critical illness. At WealthVisory, we explain the pros and cons of these products and can help you to secure a product which is right for you and your family.

Business expenses

Running a business is something that is extremely rewarding, if you reach your business goals. Understanding the risks associated with your business and your business expenses is fundamental in being able to maintain an ongoing income. Not only do you want to drive a profit within your business, you also need to factor in the various expenses you are liable to pay prior to generating a profit. Paying staff, rent, and other overheads, needs to be planned far in advance in order to prepare for these costs. As business risk assessors, we work with clients that need help with planning out their expenses to reduce any surprise costs. Mitigating the risks associated with your business could be the difference between a flourishing profitable business and a failed one. At WealthVisory, we can help you to assess your business expense risk and put steps in place to prevent any unwanted costs.

Cover with superannuation

Many people may be interested in gaining cover from an insurance company without even realising that they already have the same cover through their superannuation. Most superannuation funds will provide covers for loss of income, trauma and critical illness, total and permanent disablement, and life insurance. You will generally be able to get cover through your super fund for cheaper than you will through an insurance company. Changing your cover through your superannuation fund can generally be done online and with very little hassle. Getting cover through your super also means that you’re keeping all of your coverage in the one place. If you’re not sure if you already have coverage through your superannuation, or you want to look at options, get in contact with us today.

Key person insurance

Key person insurance is a type of cover which provides a monthly benefit to a business in a circumstance where that key person becomes sick or injured. This type of insurance can help to financially support a business whilst the person recovers or until they can be replaced. Most businesses rely heavily on key individuals to make decisions and run the business, which without them, could result in huge financial losses. We help our clients compare key person insurance cover to decide what’s right for their business. To find out more about how we can help, get in touch with us today.

What people say?

Provided ongoing support for company start-ups, book keeping, technical advice. Great contact to have in my business network. I recommend them to everyone in the local area
Lloyd Stokes
I have used the earlier incarnations of Wealthvisory for many years for personal, business and trust accounting services and have always been very happy with their work...
James Fleay
The team at Dolphin Tax & Accounting are highly professional. They are consistently seeking to improve the quality and services for their customers and clients. Awesome Job.
Philip Platcher
From left to right, Matthew Rutter, Aaron Colley and Ryan Pettit
Get in touch

To find out more about the services that we offer at WealthVisory Private Clients, book an appointment with us today.

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