Gurney Financial Services Pty Limited
Looking After You & Your Family
   Home      Products

What is it? Why have it ? And Why Gurney Financial Services?

Protection through Insurance

Life / Term Cover: Offers a lump sum payment, in the unfortunate event of death of the life insured.

Total and Permanent Disability:  For an extra premium, you can add this insurance as part of your Life Cover insurance. You can choose to have part or all of your life cover benefit paid if you become disabled or lose your independence as defined in the policy.

Critical Illness/Trauma/Recovery: Serious illnesses can be financially devastating, especially if you are not protected. We all know of someone who has suffered the effects of cancer, heart disease or stroke. The chances of major illness striking you down are very real no matter how young or healthy you are.
 
Income Protection/ Sickness and Accident: Have you protected your most important asset - your income? It is hard to imagine being off work for months, but disabling sicknesses and injuries happen every day. More than half of all serious accidents happen outside of work, so workers' compensation does not always apply. Being able to provide for your family, pay the mortgage or meet any of your regular expenses while unable to work is a very real problem. You would be surprised how much you can earn in your lifetime and how important it is to protect your income. Income Protection insurance can pay you a regular income if you are off work due to a sickness or accident. You can receive a monthly benefit of up to 75% of your earnings every month until you recover and can return to work, or up to age 65, depending on the benefit period you select.
 
Business Expenses: Securing your business, if you own your own business or are a partner in a business, your financial risks are much greater if you are unable to work. Even though you are not working, fixed expenses, keep rolling in. Your business needs to continue if you are temporarily disabled and cannot work. Business Expenses will reimburse certain business expenses for the period you are totally disabled, up to 12 months.
 
 

Wealth Creation through Superannuation

Superannuation is one of the best ways to save and invest for your retirement. The main reason of course is the favourable tax treatment. After all, what other investment has a tax rate on earnings as low as 15%? In some cases, you can even claim a tax deduction or rebate on your contributions.

With many Australians, having one or more jobs over the years, it is not that uncommon to lose track of all your superannuation policies.  How about consolidating them?We can assist you in locating all your lost superannuation. 
 
Gurney Financial Services has been able to locate over $3,000,000 in lost super for their clients over a period of 3 years. Saving our clients hundreds of dollars even thousands of dollar in fees and charges as well as commission. 
 
If you look at Superannuation like a savings plan for retirement; it has tax concessions and cannot be accessed until retirement, or of age 65. (which will be changing to later over the coming years).
One choice you may like to make is whether to amalgamate all your superannuation into one policy. You can organise to have your employer pay your compulsory superannuation into your personal superannuation.
Other choices you may consider to build your wealth through superannuation may be, by contributing to your superannuation via salary sacrifice deposits, personal contributions, and/or spouse contributions.
It is important to diversify your investments across the superannuation structure. To diversify means not to “put all your eggs into one basket”, but to spread the risk across all asset classes. This means varying your investments in cash, fixed interest, bonds, Australian and International shares, and property. For a risk analysis for you please contact our office to investigate the right investment options.

Building your future

We didn't learn to walk before we could crawl.

As life goes on we need to be responsible. Responsible for ourselves, our families, and our finances. Gurney Financial Services is here to assist you in preparing, planning and building your successful and secure financial plan. 
 
We will work together with you from the start to the end, building our relationship on trust and honesty, as well as education.
 
Annual review meetings will assist in keeping your goals on track and we will work together to build your wealth for you, your family, your lifestyle and your future retirement needs.
 
Whether it means holding your hand to take your first steps, or there to take your last, our offer to you is our Service. Service you can trust. Service that is affordable to everyday Australians.
 
We look forward to being of service to you.
Disclaimer
 
Gurney Financial Services Pty Ltd is an Authorised Representative of Sentry Financial Planning Pty Ltd AFSL 247105.
 
We have not taken into account any particular persons objectives, financial situation or needs. Investors should, before acting on this information, consider the appropriateness of this information having regard to their personal objectives, financial situation and needs. We recommend investors obtain financial advice specific to their situation before making any financial investment or insurance decision