Guardianfp are responsible for any advice provided.

Life

Life insurance provides a lump sum payment to a beneficiary, third party or an Estate in the event of your death. It would also be normal for all or part of the benefit to be paid should you be diagnosed as terminally ill with less than 12 months to live.

The lump sum could be used to pay off debts, provide an education fund for your children or could be invested to generate future income for your family.

Apart from the emotional stress, little or no life insurance could plunge those left behind into a financial crisis. Life insurance is a simple and cost effective way to protect your family or dependants financially in the event of premature death.

Income Protection

This type of insurance provides you with a regular source of income should you be unable to work for a period due to sickness or injury. You can generally insure for up to 75% of your normal income and there are a number of options available relating to how soon you will be paid, and for how long.

Total Permanent Disability (TPD)

This type of insurance provides a lump sum payment if you become totally and permanently disabled. The meaning of total and permanent disability is defined in each policy document, but generally if a person is unable to work again in their own or any occupation for which they are suited by training, education or experience the benefit is payable.

Trauma

Trauma insurance provides a lump sum payment in the event of you being diagnosed with one of a specified range of critical illnesses. The list of conditions covered is often optional, and varies between companies, as do the definitions of those conditions. The benefit can be used for any purpose such as to provide for the cost of medical expenses, to repay debts, or to provide money for you to live on until you are able to return to work.

How would your family cope if you weren’t around, had an accident or got sick?

Business Expenses Insurance

This is a specialised form of risk insurance designed for people who are self employed or in a partnership. It provides for a regular payment to cover the fixed costs of running the business should you be unable to work for a period due to sickness or injury.

Key Person Insurance

Key person insurance is a type of Life Insurance policy which is structured in a particular way to protect a business—Large or Small.
It can cover a Key Person for a combination of any of the insurances listed on page 6. The business is listed as the beneficiary and / or policy owner.
The purpose must be defined between Capital or Revenue purpose.

Key Person -Capital Purpose

This aims to ensure that the business can repay debts on the loss of a key person, easing the financial burden of the business at a crucial point in time. It also covers the discharging of security over a guarantor’s property, compensating for loss of goodwill etc. This will give the remaining business owners some breathing space to stabilise and maintain the capital value of the business.

Key Person -Revenue Purpose

This aims to replace lost income, compensating for loss of profits, additional expenses (such as finding a suitable replacement) etc, caused by the loss of a key person.

Buy / Sell Agreements

A buy/sell agreement is a contract usually entered into between business partners, covering shares in the business &/or partnership interests.
There are many ways in which this works technically, however it generally provides a mechanism by which business interests can be transferred between owners on death, disablement or critical illness.

Does your business have a Will?

Keep your business in the right hands.

Business Finance

Business & Commercial Loans

Fixed Rate Loans

Give added security of always knowing what your payments will be, helping with budgeting. Eliminate the risk of interest rate volatility.

Variable Rate Loans

Flexible repayment terms, and the ability to make additional repayments without incurring penalties. Over the life of your loan, you may benefit from lower interest rates.

Commercial Line of Credit / Overdrafts

Access equity through varied security options.
Withdraw funds up to a set limit at anytime, only paying interest as you draw down money.

Commercial Bills

Flexible finance where you can tailor the amount, cost and terms to suit your business.
Suited to larger borrowers for amounts of $500,000 or more. Usually drawn for 30, 60, 90, 120 or 180 day terms where the rate is fixed for the term of the bill.

Property & Construction Finance

Short to medium term finance for medium to large building projects

Self Managed Super Fund Lending

SMSF’s can now borrow to invest in assets they are normally allowed to acquire, such as real estate.

Equipment Finance

There are various options such as Equipment Loans, Leasing, Commercial Hire Purchase etc.
Security is usually the asset itself.

Receivables Finance

Take control of your cashflow, keep on top of your working capital requirements and take advantage of early payment discounts with suppliers.

Also referred to as invoice or cashflow finance, this can give businesses access to up to 80% of the money tied up in outstanding invoices.
Secured against the invoices themselves, keeping other equity free for other purposes.
Don’t wait weeks or months for your customers to settle accounts.

Receivables Finance is a great way to :

• Fund new business
• Fund growth
• Fund seasonal peaks

Businesses must meet certain requirements, such as but not limited to :

• Computerised accounting system.
• Access to the internet.
• Reconcile debtors on a monthly basis.
• Issue GST compliant Tax Invoices.

General Finance

For many of us, buying your home or an investment property is a huge commitment. Getting the right deal and advice is important, it could save you thousands! We are happy to discuss your requirements and get the deal done, saving you time and stress.

Residential Finance

Home loans and Investment loans

There are so many products out there to choose from, each bank has something different. It can be confusing and time consuming trying to find the best deal yourself, so let us find it for you.

Save money with the right home loan features. Knowing which features suit your situation and how to use them correctly can save you thousands over the life of your loan.

With access to multiple financial institutions, we can help find the right home loan for your situation. We understand the taxation implications of investing and can negotiate on your behalf.

Home and investment loan products weoffer include (but not limited to)-

• Variable rates
• Fixed rates
• Combination or split rate home loans
• Introductory or honeymoon rates
• Family equity loans
• Lines of credit / equity loans
• Low documentation loans

Property & construction loans

Funding for building property or extensive renovations, in a way that means you have the lowest possible repayments during the construction phase.
Only pay interest on what has been drawn down or paid out. Generally reverts to the standard home loan package you’ve negotiated on completion.

This is software we use to measure the financial performance of a business including KPI’s (Key Performance Indicators). This software is very powerful and enables us to look at a business in a macro sense. After inputting the financial information we can identify trends and issues that may need addressing.
Thereafter we can start to formulate strategies to improve the performance of the business.
Please contact if the office if you would like further information.

The above is an example of one of the many reports that can be generated from Optimist. This particular report is a goal seek report. In this example we have set a goal to increase cash flow and there is a list of the various ways of achieving this outcome.

We offer a Will service including Power or Attorney and Power of Guardianship. In some instances it may be appropriate to set up a Testamentary Trust as part of the will and we are able to offer this as well.

As we also deal in personal risk insurance we have good knowledge around whether life insurance should be held personally or within superannuation, there are pros and cons for both options including the differing tax treatment of any payouts.

Wills are vitally important to ensure your assets end up where you want them to, they are also a good wealth protection tool. If you are a business owner it is important to have well structured buy / sell agreement in your will.

Please contact our office for further information. Generally we can offer a fixed price quote for these services.

Lindy as our certified MYOB consultant has high level MYOB and also high level financial accounting skills, the combination of both of these skills put Lindy above most other MYOB consultants

Lindy is adamant that the balance sheet is the key to getting your bookkeeping accurate and I agree! We have seen numerous times in our office when we look at the MYOB file of a new client and the balance sheet does not reconcile. If the balance sheet doesnt reconcile then there is no way of really knowing if your profit and loss is correct!

We have experience in all aspects of MYOB and are able to provide training in all relevant areas to assist our customers in getting the most from MYOB. Lindy has experience with customers working in various industries including, retail, wholesale, professional services and agriculture.

We are currently working on a series of MYOB on line training tools, please contact us for more information or watch the website for updates.