Easy Investment Choices.

Short term investment options, such as ‘at call’ and fixed term investments.

 

 Managed funds.

Investing in a diverse range of asset types, including shares, property and bonds. We can advise you on the most appropriate fund managers to invest your money with to make your money work for you.

 

 Superannuation.

Superannuation is quickly becoming one of the main financial issues for individuals in regard to their retirement and potential tax effective savings. Companies are placing more importance on having the correct superannuation in place to allow their employees a wide variety of investment choices. From the 1st July 2005, you should be able to choose for yourself where your super funds are to be invested, rather than be herded into the employer super fund. Get involved with your super & have a plan to meet your retirement needs. We can help you get there & our fee structure is very negotiable for our mortgage clients.

 

 Life Insurance.

This is important for the financial security of those who depend on you – your partner and/or your family. It’s simply a precaution against your unexpected death, a medical crisis or total and permanent disablement.

 

 Risk Insurance.

At Baker Financial, we offer the full range of risk insurance including:

• Income Protection.
• Trauma Insurance.
• Total and Permanent Disability Insurance.
• Term Insurance.

 

 Income Protection Insurance.

This helps to protect your ability to earn an income and provide financially for yourself and your family should you be unable to work due to illness or injury. It can generally cover up to 84% (including superannuation contribution) of your income. The premiums for income protection are fully tax deductible.

The questions you must ask yourself are:

Q.	Will my employer continue to pay my income for the rest of my life if I am too sick to work or have an accident?
A.	The answer is inevitably, NO.
Q.	How will I cope if I am prevented from working - could I afford the ongoing bills?
A.	The answer is usually, NO.

If you have a mortgage or other financial commitments, then all the more reason to protect your income.

 

 Trauma Cover.

This pays a lump sum if you suffer from a heart attack, cancer or one of many major diseases or injuries. Trauma cover has been designed to cover medical and rehabilitation costs, to provide for your dependants, and to help you with your lifestyle needs and possible employment changes.

 

 Total and Permanent Disability Cover (TPD).

TPD cover pays a lump sum if you suffer an illness or injury that prevents you from ever earning an income due to disablement.

 

 Term Insurance.

Life or Term Insurance provides a lump sum payment in the event of your death or terminal illness.

 

If you require more information about these products
visit our dedicated financial planning web site - www.bakerfinancial.financialwisdom.com.au