Wealth Protection Services

The best wealth protection is achieved in a combination of ways:

by getting good quality, plain English advice, strategies and management of your investments so that you understand the plan & your investments and the inherent risks associated with any investment strategy;
by using the right ownership structure for your wealth to ensure the right people control the right assets; and
by using insurance to cover yourself and your family against things outside your control.

Our Services

We Can Help You With

Asset Structures

Whether it is protecting yourself, your family or your investments from creditors, rogue family members or even the Tax Man (no-one should pay more than necessary!), making sure your investments are owned in the right name is a critical component of protecting your wealth.

Our team can talk to you about the issues, advantages & disadvantages of owning of investments in your name, spouse’s name, kids’ names, as joint tenants or tenants-in-common, or even via Family Trusts and Investment Companies.

Personal Insurance

You need to protect yourself and your family in case something unexpected happens to you and your ability to work (temporarily or permanently). Insurance cover can help make sure your family will still have income and/or a lump sum to help fund living expenses and debt reduction.

To determine the right insurance for your needs, it’s important that you receive advice that is specific to your individual circumstances and reviewed regularly as your family’s circumstances change. Whether you are protecting your family or lifestyle for the first time, or updating your insurance needs, Everalls Wealth Management has a range of solutions to take care of you and your family for the long-term.

Life Insurance

Life insurance protects you or your family from financial difficulty after an unexpected event, like an illness, injury or death by providing a lump sum.

When you’re buying life insurance, take the time to understand the cost of the premiums – now and in the future, as well as what is (and isn’t) covered, and how your medical history might affect future claims.

Make sure you understand the advantages & disadvantages of having insurance through your super fund. And, make sure that default/nominated beneficiaries of your policy are correct.

Total And Permanent Disability Insurance

A serious injury or illness can make it difficult or impossible for you to continue to work. If this happens, you will need to find a way to support yourself and your family.

Total and permanent disability (TPD) insurance provides cover if you are totally and permanently disabled.

The lump sum can help cover the costs of rehabilitation, debt repayments and the future cost of living. Each insurer has different definitions of what is and isn’t considered to be totally and permanently disabled.

Income Protection Insurance

We all rely on our incomes to pay the bills and care for our families. But what would happen if you got sick or injured and couldn’t work?

Would you be able to support yourself and your family while you recover?

Income protection insurance, also known as Salary Continuance, can help provide a replacement income stream so you can manage your expenses if you are unable to work for a certain amount of time if you are sick or injured.

Trauma / Critical Illness Insurance

Trauma cover is also referred to as ‘critical illness’ cover or ‘recovery’ insurance. A serious accident or illness such as cancer, heart attack or stroke, can make it difficult or impossible for you to continue to work. If this happens, you will need to find a way to support yourself and your family while you recover.

Trauma cover can provide a lump sum that can help cover Private Health Insurance gaps, house renovations (eg for wheelchair access), debt reduction as well as living expenses.

Key Person Insurance

Key person insurance is designed to provide a lump sum to the business in the event that a key person in a business, such as a partner or director, dies or becomes unable to work.

The purpose of key person insurance is to ensure that the business has the money necessary to continue operating despite that key individual not being able to work anymore (temporarily or permanently).

Business Expenses

Key person insurance is designed to provide a lump sum in the event that a key person in a business, such as a partner or director, dies or becomes unable to work. The purpose of key person insurance is to ensure that the business has the money necessary to continue operating despite that key individual not being able to work anymore (temporarily or permanently).

Capital Protection

Capital protected investments may interest you if you want to have exposure to investment markets, but want some protection against the volatility of the stock market so you don’t lose your capital.

Download Our Understanding Insurance Ebook

Download our Understanding Insurance ebook for insight into how you can take care of yourself and those you love when you need it the most.

Testimonials

What Our Clients Say About Working With Us

We have finally found a Financial Advisor that we trust. Bob Chen is professional, dedicated and most importantly listens. He has helped my wife and I to understand our financial goals, execute a sound strategy that we understand and be confident we are positioned well for the future. We look forward continuing to work with Bob in the future.

Chris Tough

Bob Chen has been a great asset to us. His financial advice was considered, well researched and it has increased our returns. We feel far more confident about our financial future and estate planning for the kids. He is great fun to work with and I have recommended him to several good mates!

Leo Flynn

We have worked with Bob Chen over the past 8 years and could not ask for a more professional, dedicated and caring financial adviser. Bob has provided us with advice to help build a solid future for our family. We trust Bob and look forward to many more years ahead.

Ann-Marie Cott

I’m so grateful to have met Bob. He’s provided me with sound, wholistic advice on how best, and how quickly, I can set myself up to retire comfortably.

Kirralee

We’ve only started feeling like we are in control of our finances and our future since we started working with Bob Chen, of Everalls Wealth Management, a few years ago. He is responsive, helpful and gives great advice.

Pam Faulks

Bob Chen from Everalls Financial Management have been providing holistic financial management of my financial affairs including my SMSF for the last three years and is now providing a solid plan for my transition into retirement. Bob is fully engaged building your future wealth.

I have no hesitation in recommending Bob Chen to anyone who is looking for an engaging, friendly, and professional financial advisor.

Teege

Bob Chen has been extremely helpful in getting our financial matters in order and is always just an email or a phone call away. We would highly recommend his professionalism to any prospective client.

Graham Tidy

My husband and I were extremely impressed in the way Bob has a holistic approach in the way he provided Financial Advise to us. We now have a sound strategy in place to help us achieve our future goals which was lacking in the advise provided by our previous adviser. We both highly recommend Bob as we now have a Financial Adviser that we value and trust.