provides an ongoing monthly Income if you are unable to work due to sickness or injury. You can usually cover up to 75% of your income plus super contributions. Business Expenses covers the day to day fixed expenses through an ongoing monthly benefit. This ensures your finance, Insurance and regular professional fees are met for a period of 12 months.

can be complex but working with the CTB Team can simplify it. Business Insurance can be used for Debt Protection, Key Person Protection, Succession Planning. Where a business either has multiple owners or key staff a serious illness, disability or death can result in complex financial consequences, make sure you have fully considered these events.

Things in life don’t always go as planned…. Having adequate financial protection in place can give you peace of mind, knowing that in the event of your death or terminal illness, you can help ensure your family will be financially secure and able to maintain their current standard of living.

Super is a way to save for the future and can be one of your biggest long term investments. Taking control of it now can help you get the most out of it later. It is important to understand how much super you will need in retirement and developing a plan to maximise your potential of reaching your retirement goals. There are a range of tax effective strategies that you can use to get the most from your super. A CTB Wealth Financial Adviser can help you put in place the right strategies for you and help simplify the confusion with super.

SMSF’s are the fastest-growing super fund type in Australia, providing investors with greater flexibility and control over where their super is invested. However SMSFs are not for everyone, So before switching to an SMSF it’s worth asking your CTB Wealth Adviser to tell you more about the benefits, risks and costs associated with having your own SMSF.

There are a range of strategies available to help you get the most from your investments. The key is to understand which strategies are right for your situation. You need to consider a range of things such as the time you have to invest, whether you are investing for a particular goal and how much risk you are willing to take on. A CTB Wealth Financial Adviser can help you determine the best investment strategy for your money and your situation.