My financial planning services are free.
“People don’t plan to fail they just fail to plan.” I don’t know who said that, but I would like to take credit for it. It epitomises the 21st Century approach to life. Planning allows us to achieve our goals and avoid disaster, but few people take the time and trouble to do it. I would like to focus on the part of financial planning that helps us avoid financial disaster.
Life, disability, income protection and trauma insurance. Providing for the uncertainties in life that can end in a train wreck for you and your family.
Bored with statistics? Well, statistics are real facts and behind every statistic are real people! Mothers and children, fathers and husbands.
How’s this for some facts about those real people.
- More than 60% of Australians will be disabled for more than one month during their working life?
- And more than a quarter of the population will be off work because of illness or accident for three months or more during their working life.
- Six in 10 of those with dependent children have not got enough life insurance cover to look after their loved ones for more than one year if they were to die.
First, the bullet-proof, bronzed, sport-loving, Aussie man:
- One in three men will contract cancer before the age 75.
- Around 10,000 new cases of prostate cancer are diagnosed every year.
- For a 40-year-old, the risk of having coronary heart disease at some time in the future is one in two for men.
- There is a two in five chance of suffering a critical illness between 30 and 64.
- One in four men over the age of 45 is at risk of having a stroke.
- And the ladies don’t fare much better I’m afraid:
One in four women will contract cancer before age 75.
- One in every 11 Australian women will develop breast cancer.
- For a 40-year-old, the risk of having coronary heart disease at some time in the future is one in three for women.
- There is a one in four chance of suffering a critical illness between 30 and 64.
- One in five women over the age of 45 is at risk of having a stroke.
What happens to the real people behind those real facts? They suffer and many will die. But long after the physical suffering has gone the financial suffering will continue. And especially for the people who depended on them to take care of them. The husbands and fathers; the wives and mothers. And especially the children.
Can you afford not to insure your home? Your car? Your jewellery?
Then how come you can afford not to insure your family’s financial future?
”Mama always said life was like a box of chocolates, you never know what you’re gonna get.”
Now we know who gave us that one, Forrest Gump.
But don’t call Forrest Gump because he doesn’t have the qualifications as a properly authorised financial planner to advise you; I do. How much do you really need and how much will it cost? It won’t cost you anything to find out.