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Financial Planning

With families of our own, no-one understands just how important your families welfare is better than us.

We also understand just how hard you have worked to provide a secure future through your investing activities and we want to assist you in ensuring that your loved ones and those hard earnt assets are protected should anything unexpected ever occur.

It is vital in this day and age to have a protection strategy in place in the form of Risk Insurance.  Risk Insurance can be the saviour in many unforeseen tragedies and it allows you the peace of mind to know that your family is being looked after financially.

Imagine this scenario:

• Mr Smith earns $120,000 per year
• Mrs Smith earns $6,000 per year and stays home to look after the three little Smith's.
• They have $2,000,000 worth of investment property
• They also have $1,500,000 worth of debt

Unfortunately Mr Smith was called to the pearly gates a little before his time, leaving Mrs Smith and the kids on their own.  The last thing Mrs Smith wants to deal with is the thought of having to sell all of that property to repay the debt, especially at a time like this.  With the negative gearing arrangement she is now faced with on her own, she cannot afford to ignore the situation.

But... if Mr and Mrs Smith had had Risk Insurance, this unfortunate situation could have been slightly less traumatic for Mrs Smith.  If Mr Smith had Risk Insurance that covered Life, Trauma & Permanent Disability then Mrs Smith would have not had to give a second thought to the debt that Mr Smith left behind - it would have all taken care of itself. 

Another scenario - Mr Smith wasn't so unlucky - this time he was just a little clumsy and broke his leg playing with the little Smithy's.  He is out of work for 6 months and Mrs Smith's minimal wage cannot even come close to covering the loan repayments.  That is where Income Protection Insurance comes into play - if Mr Smith was covered by this he could rest up comfortably and not worry about the repayments! 

At GGA, we have developed a fantastic working relationship with Financial Planners Ben Hall and Rod Edwards and we have faith that these guys are THE GUYS to help you out with your Risk Insurance needs.  Why not call us today to discuss this further, it is certainly something that all of us should have in place to protect our very nearest and dearest.

Send mail to alysha@gatherumgoss.com with questions or comments about the layout of this web site.
Send mail to bec@gatherumgoss.com or pat@gatherumgoss.com with questions regarding technical aspects of accounting.
Last modified: 29 January 2008