Purely FP

17/09/2026

Ask most people what their insurance covers and you'll get a shrug. That's completely normal — and it takes one conversation to fix.

There are four types of personal insurance: life, TPD, trauma and income protection. Some pay a lump sum, one pays monthly like a wage. Some can be paid for out of your super, one can't.

Here's the thing: you don't need to remember any of that. That's our job.

Bring in whatever you've got. A super statement. An old policy you've never read. Nothing at all. We'll tell you what you're covered for, what you're not, and what a sensible amount would look like for your household — and if you're already well covered, we'll tell you that too.

Call 08 9453 8888, email [email protected], or scan the code.

15/09/2026

"I think I've already got insurance through my super." We hear that a lot — and it's often true, just not in the amount people assume.

You can pay for personal insurance two ways, and there's no universally right answer.

Through super: the premiums come out of your super balance, so it never shows up in the household budget. The trade-off is that it quietly eats into what you retire on, the payout can be taxed depending on who receives it, and you can only hold life and TPD there — never trauma.

Personally: it costs you cash flow today, but your retirement savings stay intact, you get a wider choice of policies with better definitions, and income protection premiums are generally tax deductible.

Most families we work with end up with a mix. The right mix depends on your budget, your super balance, and who you'd be leaving the money to.

If you'd like someone to look at what you've already got before you buy anything else, that's exactly the conversation to have. 08 9453 8888.

10/09/2026

Income protection, in plain English.

It covers the ordinary disasters. Not dying, not permanent disability — just being off work for six months with a bad back, a surgery that didn't go to plan, or a bout of illness that takes a while to shake.

Unlike most personal insurance, income protection doesn't pay a lump sum. It pays monthly, like a wage, usually up to around 70% of what you were earning, and it keeps paying until you're back at work or the benefit period ends.

Two dials to know about:
- The waiting period: how long after you stop work before payments start. Longer wait, cheaper premium.
- The benefit period: how long it keeps paying — two years, five years, or all the way to 65.

Premiums are usually paid personally, and are generally tax deductible. Some cover can be held inside super.

Here's the challenge for today: check how much sick leave you've actually accrued. Then work out what happens in month three.

We'd rather have that conversation now than after. 08 9453 8888.

08/09/2026

Trauma cover — sometimes called critical illness cover — in plain English.

It's for the outcome nobody plans for — you get seriously ill, and you get better.

Cancer. Heart attack. Stroke. Treatment might run for a year. Your partner takes time off to drive you to appointments. There are gaps and out-of-pocket costs. The mortgage carries on regardless, and so do the school fees.

Trauma cover pays a lump sum when you're diagnosed with one of the conditions listed in the policy. You don't have to be permanently disabled and you don't have to be off work — the diagnosis is the trigger.

It's also the one type of personal insurance you can't hold inside super, so the premiums come from your own pocket. That makes it the one people most often skip. It's often the one that gets claimed.

Want to know what it would cost for you? It takes one conversation. 08 9453 8888 or [email protected].

03/09/2026

TPD — total and permanent disability cover — in plain English.

Here's the uncomfortable version: dying is not the worst financial outcome. Surviving, and never working again, usually is.

The income stops either way. But with a permanent disability the costs go up: modifications to the house, a car you can actually get into, help around the home, care that Medicare doesn't fully cover.

TPD pays a lump sum when illness or injury means you won't be returning to work. You can hold it inside super — which keeps it off the household budget — or pay for it personally.

One thing worth knowing: the definition of "unable to work" isn't identical inside super and outside it. Getting that wording right is most of the value of sitting down with someone.

If you've got cover through your super fund and you've never read what it actually says, bring it in. We'll read it with you. 08 9453 8888.

01/09/2026

Life insurance, in plain English.

It's the simplest of the personal insurances. If you die, or you're diagnosed with a terminal illness, it pays a lump sum to the people you've nominated.

That money doesn't have to be spent on anything in particular. Most families use it to wipe the mortgage, clear other debts, and leave enough behind that the surviving partner isn't forced back to full-time work while also becoming a single parent overnight.

Two things people often don't realise:

1. You can pay the premiums from your super instead of your bank account, so it doesn't hit the weekly budget.
2. Who receives the money depends on your nomination and your will — it's worth checking that yours still says what you think it says.

The question we'd ask you: if it happened next month, would the payout clear the mortgage AND keep the household running? Those are two different numbers.

Give us a ring on 08 9453 8888 and we'll do the sum with you.

27/08/2026

Nobody argues about insuring the car. It's a few thousand dollars sitting in the driveway and we wouldn't dream of driving it uninsured.

Now think about the thing that paid for the car. And the house. And the groceries, the school fees, the holiday.

If you earn $90,000 a year and you've got 25 working years ahead of you, that's more than two million dollars of income heading your way — assuming nothing goes wrong. That's the asset. That's the thing worth protecting.

Personal insurance is simply a way of making sure that money still turns up if your health doesn't cooperate.

Happy to talk it through with you — no obligation, no jargon. 08 9453 8888 or [email protected].

25/08/2026

Here's a question most of us have never sat down and answered.

If your pay stopped tomorrow — you're sick, you're injured, you're just not going back to work for a while — how long would the mortgage keep getting paid?

Have a guess. Then check your leave balance. For most people the honest answer is a few weeks.

Personal insurance is the thing that keeps paying the bills when your health stops you earning — and most people either don't have it, or have no idea what theirs actually covers.

This is the stuff we wish everyone knew before they needed it.

Give us a call on 08 9453 8888 or scan the code to get in touch.

31/07/2026

28/07/2026

One of the biggest misconceptions about financial planning is that we spend our days talking about investments.

The truth?

The first question we usually ask isn't, 'How much do you have invested?'

It's, 'What do you want your life to look like?'

Once we understand what matters most to you, everything else starts to fall into place.

That's because financial planning isn't about products - it's about people.

The investments, superannuation and tax strategies are important, but they're only valuable if they help you achieve your own goals.

The best financial plan isn't the one with the highest return. It's the one that gives you confidence you're heading in the right direction.