We have been proud to assist health professionals since 1995. We have attended many medical conventions as sponsors and spoken at Practice Managers sessions providing education on what to look for in an appropriate insurance contract and continue to provide an expanded benefit range of services such as a self managed superannuation service.
Why use Noall & Co
While working with the health profession, two major issues kept arising when it came to our client’s personal finances.
Firstly, we were kept being told by our health professionals they are usually time poor, working long and varied hours and as a result don’t often have the time to look after all their insurance and financial needs as well as they would like.
Secondly, with so many insurance policies available, it is important to know which contracts have been designed especially for the health profession in mind, whether it is covering a work related needle stick injury or providing a locum benefit. So while this has meant that benefits have improved with more competition, it has also meant these contracts have become more confusing.
We believe Noall & Co. has provided a solution to both these major issues, through our Concierge Service and our Health Professionals Kit which includes a free ‘no-obligation’ insurance review service.
Health Professionals Kit
Noall & Co. over the last few years have developed
a free kit outlining the special features that policies have with the health
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.
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 Health 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.
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.
Insurance
There are times when we need to be reminded about what our most valuable
asset really is. Not just to us, but also to those who are most important
to us – our families. When you really think about it ‘you’
are their most important asset, plus your capacity to earn an income and
provide for them.
At Noall & Co. we don’t just “guess” what your value might be, we work with you to calibrate the value you represent - and then we research the insurance market to ensure you acquire policies of insurance that represent the best value in the market for what needs to be achieved.
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:
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’ which could save you thousands in tax.
Self managed funds 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 own 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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