Financial Services

• Business Expense Cover

  Business Expense Insurance can help cover your fixed business expenses when you are unable to work.

  

• Key Person Insurance

  Key Person Insurance guards against financial loss due to the death or disability of an indispensable employee.

  

• Succession Funding Insurance

  Succession Funding enables you to retain control and ownership of your business if one of your fellow directors or partners dies or suffers a critical illness.

  

• Loan Funding Insurance

  Protects your assets by ensuring that business or personal debts are cleared i.e. suffer disability or critical illness.

  

• Business Expense Insurance

  Business Expenses Insurance can help cover your fixed business expenses when you are unable to work.

  

• Estate Planning

  Estate planning is a process designed to help protect the wealth you have built over your lifetime so that it is distributed smoothly according to your wishes. More than just a will, an estate plan also takes into account your superannuation and powers of attorney as well as assets held solely in your name or jointly with others, or assets held in private companies or trusts.

  

• Advanced Health Directive

  This form deals with your future health care. The time may come when you cannot speak for yourself. By completing this form you can give directions about your medical treatment at such a time.

  

• Testamentary Trusts

  A testamentary trust is established by a person's Will and comes into existence after probate of the Will is granted. In this respect, the Will itself contains the terms that would otherwise be found in a trust deed.

  

• Power of Attorney

  A Power of Attorney is a document under which a person (the grantor) gives to another person (the grantee) the power to act on their behalf. In most cases the Power of Attorney is a simple document to prepare and execute, yet, because of its flexibility, it can cover a whole range of business and personal needs.

  

• Beneficiaries

  The beneficiaries of a trust are those people/entities entitled to benefit from the trust in the form of either capital or income distributions. The beneficiaries under a trust can be named individually or they can be classes of beneficiary, for example, children, grandchildren, etc. If a class of beneficiaries is nominated it must be sufficiently clear who the beneficiaries are.

  

• Life Insurance & Total and Permanent Disability

  Life and Insurance gives peace of mind by ensuring that debts can be cleared and your family has financial security in the event of your death.

  

• Trauma &/or Critical Illness Insurance

  Trauma &/or Critical Illness Insurance can help compensate for the financial shock which often accompanies a traumatic event such as diagnosis of cancer, a stroke or on the occurrence of a critical Illness.  It pays a lump sum which could be used on expenses such as medical treatment or 12 months worth of mortgage payments.

  

• Income Protection

  Income Protection policies are designed both for employees and for the self-employed.  The policies provide an income if you are unable to work through sickness or an injury.

  

• Financial Services Guide

  Click here to download the Guardian FSG.

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Privacy Policy- Guardian Financial Planning

• Guardian Financial Planning holds personal information about you. We hold this information in accordance with our obligations under the Privacy Act. The information has been and will continue to be collected by us for the purpose of providing you with the fi nancial services outlined in this FSG.

  We are required by the Corporations Act and the Australian Securities & Investments Commission, to ask for this information about you for the purpose of providing you with our services.

  If you do not provide us with the information requested by us, we may not be able to provide you with the services you require.

  We may be required from time to time to disclose information about you to representatives of Guardian Financial Planning and other companies within the Suncorp Group and to other professionals, insurance providers, superannuation trustees and product issuers in order to provide our services and arrange for the issue of Financial Products.

  In the event that the adviser proposes to sell their business we may disclose your personal information to potential purchasers for the purpose of their conducting due diligence investigations. Any such disclosure will be made in confi dence and it will be a condition of that disclosure that no personal information will be used or disclosed by them. In the event that a sale of the adviser’s business is effected, we may transfer your personal information to the purchaser of the business. You will be advised if a transfer such as this takes place.

  You are entitled to obtain access to the information we hold about you by contacting our National Dealer Operations Manager. Our contact details are included in our Financial Services Guide (FSG).