An overview of our services

Contingent liability cover

When your business needs credit, surety is often part of the deal.

But have you ever stopped to ask what would happen if you couldn’t repay it yourself? If you or a co-owner passes away or becomes permanently disabled, the debt doesn’t disappear. It often becomes a personal liability, affecting your dependants  and your legacy.

Key-person insurance

Every business has its key people. The ones who drive, lead, and connect everything.

What if one of them wasn’t there tomorrow? When a business depends on a few crucial individuals, their sudden absence due to illness, disability, or death can create more than just an emotional gap; it can stall growth, strain operations, or even impact your credit agreements.

Shareholder continuity

You and your shareholders built something together. But what happens if one of you can’t carry on?

If a shareholder passes away or becomes permanently disabled, their shares may pass to heirs who aren’t involved in the business, or don’t want to be. Left unplanned, this can lead to confusion, forced decisions, or family conflict.

We can help you ensure shareholder continuity and with buy-and-sell agreements.

Director’s loan cover

Why do you need loan cover?

When the director dies, becomes disabled or otherwise impaired , the loan needs to be settled. This may cause financial distress to the company and uncertainty for the director if the company is unable to fulfil the repayment requirements. Planning  removes the uncertainty and adequately mitigates the risk.

Preferred compensation plan

A preferred compensation plan is a structured agreement where an employer commits to providing a committed financial benefit to an employee in the form of a lump sum payment contingent on the employee's remaining with the company for a predetermined period.

Employee benefits and retention

Your team is your business’s beating heart. And in today’s world, support matters more than ever.

Employee benefits are no longer just a box to tick. They’re a powerful way to attract top talent, improve performance, and reduce your risks as an employer.

From group cover to individual retirement coaching, we help you offer the kind of support your employees actually value, with a professional partner by your side.

Tailored for specific industries

Small business

We help small and medium enterprises (SMEs) grow and navigate financial complexities with confidence.

Medical professionals

We understand the unique financial journey of medical professionals and offer expert guidance through every phase of their business lifecycle. 

Franchises

We understand the specific needs of franchises and can help you structure your operations effectively. 

Agriculture

We provide holistic financial planning and advice through our specialists to ensure a sustainable future for you, your business, and your dependents.

Ask your banker to connect you to a financial adviser, or get a call back.

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