Other Financial Services

Baker Financial offer a range of investment and superannuation products from leading financial institutions. You'll get expert advice from a qualified financial adviser on all your financial needs.

Easy Investment Choices

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

Managed Funds (Non Super)

Having a diversified investment portfolio is a wise investment strategy as different investment sectors perform differently over time. Investing in managed funds is a sound way of obtaining balance in your investment portfolio. Again we have access to many of the leading Australian & Overseas fund managers.

We will 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. With Choice of Funds including self-managed funds, you have the option of choosing your own super fund. We are in a position to be able to offer our services to assist you in this very important aspect of wealth creation. By working with you we can educate and guide you to having a plan in place to meet your retirement needs. We have access to many of the leading fund managers. Look at the impact of compound interest - this may change your view regarding super. Our fee structure is very negotiable for our mortgage clients.

Life and Personal Risk 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. 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

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 cover pays a lump sum if you suffer an illness or injury that prevents you from ever earning an income due to disablement, which may enable you to pay down the mortgage, pay medical bills or pay for house and/or car modifications

Term Insurance

Life or Term Insurance provides a lump sum payment in the event of your death or terminal illness. This may enable your family to pay down the mortgage and maybe invest to partially replace your income

If you require more information about these products visit our dedicated financial planning website:

http://www.bakerfinancial.financialwisdom.com.au