Our Background
Across a range of business professions, we have been servicing the business
community for nearly 25 years. From the particular insurance and retirement
needs of self employed small business owners to providing advice to corporate
executives on their employee benefit schemes.
Business Professionals kit
As new policies become available designed specifically for the professional market with such features for Income Protection as specialist occupation categories and varied definitions on salary with bonus structures and allowances. While this has meant that benefits have improved with more competition, it has also meant these contracts have become more confusing.
Noall & Co. over the last few years have provided a free kit outlining
the special features that policies have with the business professional in
mind with their levels of features and benefits.
Included with this is a free no-obligation ‘insurance review’
service so that if you already have a Income Protection policy or other life
policy and would like to know how it compares against the rest of the market
or if it is an older style policy, how it compares to the latest version.
As brokers we are not aligned to any one company and can recommend the most
appropriate and comprehensive policy to suit your needs.
Also available is our free no-obligation 'retirement review' service as for many of us as we approach retirement, the hardest question we have to answer is - "are we on track to a comfortable retirement?".
You may have heard about the new changes to superannuation from the Government which is supposed to simplify superannuation as well as make it more attractive to someone approaching retirement but do you really understand these changes and how they apply to your own situation.
Our free appraisal allows in a simple to understand format, for you to see
where you are now and if you are on track to where you want to be when you
finally stop work, and if not, what are the options available to you.
Click here for a free Business Professionals
Kit
We have recently introduced our Concierge Service as a way to help our clients
benefit most from our core services such as insurance and superannuation as
well as to introduce new services such as mortgage broking, estate planning
and car leasing for example.
We also understand that professionals such as yourself work long and varied
hours and as a result, don’t often have the time to look after their
own financial needs and requirements as well as they would like.
So whether you are interested in our Insurance service (Silver), Retirement
and Superannuation planning (Gold) or would like a more complete, holistic
financial service for a set fee (Platinum), Noall & Co. can now help in
all areas of financial services.
Click here for more detailed information
on how our Concierge Service can help you.
If you would like information on any
of the services provided below please
click here
Income Protection Cover
Income Protection is designed to cover up to 75% of your regular income if
you cannot work due to illness or injury. Premiums are also generally tax
deductible, depending on your individual circumstances.
Life Insurance
Life Cover pays a lump sum upon your death to ensure your family have the
funds to pay off any major debts such as your house mortgage and provide income
for the long term to ensure no financial hardship.
It can also be to ensure special needs are covered such as your children’s education costs.
Total and Permanent Disablement Insurance
Total and Permanent Disablement cover pays a lump sum if you are permanently
disabled to ensure that your family has the funds to pay for your medical
costs as well as to ensure your families financial future.
Is usually as an option when discussing Life Insurance cover. You can have cover for ‘Any’ occupation or ‘Own’ occupation.
Trauma Insurance
Trauma cover pays a lump sum if you suffer from one of the specified major
diseases or injuries covered such as a heart attack, stroke, cancer or blindness.
It has been designed to provide a benefit to help you cover medical and rehabilitation costs, and to also help you with lifestyle changes.
Business insurance including Buy/Sell arrangements
Specifically designed to cater for clients who have their own business with
business partners who have equity. This insurance and buy/sell agreement provides
the assurance needed that if one of the partner’s become disabled or
die there is a mechanism in place to fund their share in the business that
would need to be paid to the deceased’s estate.
Apply for a Quote
For a no obligation quote so as to see what cost it would be for insurance that fits your particular circumstances, please click on link below:
Financial Services
When it comes to financial matters the issues each one of us will face will
differ from person to person and throughout each of our lives, however having
a sound financial plan in place can make a world of difference now and in
the future.
Whether you are interested in protecting yourself against risk, managing your
debts, growing your assets, reducing your tax liabilities, are planning for
your nearing or future retirement or perhaps are just facing a major life
change (buying a first home, investment property, birth of a child etc) then
Noall & Co can help you achieve your goals.
If you would like information on any of the services
provided below please
click here
Retirement and superannuation planning
Superannuation is still the most tax effective way to save for retirement
and with the new super rule changes it has become even more attractive.
Noall & Co. can covers all aspects of pre and post retirement especially if you are approaching retirement and wish an analysis of how the new changes affect you or strategies such as the ‘Transition to retirement’ could save you thousands in tax.
Self managed funds (DIY) superannuation
With the new rule changes, it has become advantageous to have your own self-managed
superannuation fund in certain circumstances especially if you are approaching
retirement or wish more control and flexibility over your investment strategies.
Click here to find out more about our Tailored
Superannuation Service and how you can benefit from your won self-managed
fund super fund.
Tax effective investments
Prior to end of each financial year, there are tax strategies available to
considerably reduce your PAYG tax as well as grow your net worth. Also tax
effective savings plans for school fee funding, overseas holidays are also
available.
Mortgages
If you would like to
- compare your mortgage against the market to see how it rates;
- look at ways of reducing you mortgage;
- look at different ways of accessing the equity in your home for additional investment.
Please contact us and we will be more than glad to
make an introduction with our mortgage specialists.
Cash Management Trusts
Gain access to highly secure and competitive returns
on your cash balances by investing your savings into one of our carefully
selected Cash Management trusts such as Bank West and Macquarie Bank.
Wills
Everyone should have a will. A will is the only way
you can tell others how you want your assets to be distributed after your
death. It is the only way you can provide for people who may depend on you
financially, e.g. children.
A will also allows you to choose a person to manage the distribution of your
assets. This person is called an executor. If you don't have a will, your
assets are distributed by a court-appointed person called an administrator.
Estate Planning
A Will generally only deals with the distribution
of assets personally owned by you. If your needs are more complex, an Estate
Plan extends to asset protection and the ongoing minimisation of income tax
for your beneficiaries.
We will, along with our legal estate planning specialists, help you to decide
whether you require the preparation of a more complex Will. Whether this incorporates
a testamentary discretionary trust, amendments to your family trust deed or
self managed superannuation fund and a formal estate planning strategy document.
Now Sorted
Now Sorted is a facility we are proud to provide our
clients as part of Estate Planning service. This process brings all important
client documents and information into the right place at the right time -
and then produces an easy-to-read report for you and your family’s peace
of mind.
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