Verdure Financial Planning Solutions in Melbourne, Victoria, Australia | Insurance company

Verdure Financial Planning Solutions

Locality: Melbourne, Victoria, Australia

Phone: +61 434 569 071

Address: G05/181 St Kilda Road 3183 Melbourne, VIC, Australia

Website: http://www.vfps.com.au

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24.01.2022 The Financial Planning Process Financial planning is an umbrella term that encompasses many different and varied disciplines. The objective of financial planning is to organise a persons financial situation in a way that best meets their strategic goals (short, medium and long term) including independence in retirement. An individuals strategic goals focus on lifestyle ideals, with the basis being capital accumulation (superannuation) and wealth protection (personal insur...ances). The Verdure Financial Planning Approach With our personal and holistic approach, we get to know our clients for who they really are not only for what they have. What makes us unique is that we make reasonable inquiries into the relevant personal circumstances of our clients so as to better tailor our solutions. We know that the arrangement of financial affairs is paramount in achieving strategic goals. The structure of assets and liabilities is important in any financial strategy, including the accumulation, the continuity and the protection of assets. As financial planners, we aim to develop strategies to optimise the usefulness of assets and income with relation to savings plans, tax and social security specifically catered to your needs. We take detailed analysis of our clients needs, paying particular attention to your financial requirements and lifestyle requirements and from there we develop a strategy to cover current and future perceived requirements. Once you are insured and ultimately protected we make sure that our excellent service continues. We are constantly researching for new and better products which may be more suitable to you as your circumstances change. Along with our ongoing service we offer a complementary needs analysis which outlines what personal insurance cover or recommendation is appropriate for your circumstances as well as a free insurance review. What you need to do As mentioned earlier, we pride ourselves on our personal approach. All you need to do is contact us either via email, phone, or website and we will be happy to assist in any way we can. With our friendly staff based in Sydney and Melbourne we are always available to answer queries or anything else that may be of concern. If any of your personal circumstances have changed, such as a change in income or growth in your family, then please let us know to ensure your details are up to date and your insurances adequately cover your needs. Katriel Warlow-Shill and SMSF Insurance Specialists Pty Ltd atf SMSF Insurance Specialists Trust t/as Verdure Financial Planning Services are Authorised Representatives of Synchron Australian Financial Services Licensee No. 243313

24.01.2022 Worried about the succession of your business? Contact Katriel today for holistic financial advice catered to your unique needs!

23.01.2022 Checklist for Retirees As you have worked very hard for many years the time has come to consider what you will be doing in the next stages of your life after retirement. Many people have many dreams including spending time with their grandchildren and families, travelling around Australia in a caravan, travelling around the world and visiting places always dreamed of or simply reading in their living room. Whatever the dream, we at Verdure Financial Planning Solutions assist ...in facilitating the realisation of these dreams and help manage the financial aspects of your dreams. The common areas to consider when seeking financial advice on retirement include: Will you have enough financial resources to support your retirement? Is your superannuation platform most suitable for you? Should you be in accumulation or pension mode in your super fund? Are your investment assets in line with your risk profile? For example, many Australian retirees still have aggressive investment/superannuation portfolios because little attention has been paid to the management of these funds. Do you still have current insurances that meet your goals and objectives? For example, are your current sums insured adequate, or are you paying for insurance you do not need? Have you considered insurance to cover a critical illness or trauma such as a heart attack or stroke? Have you thought about an exit strategy from your business, which you have worked a lifetime to establish? Are your Will and Enduring Powers of Attorney/Guardianship current? At Verdure Financial Planning Solutions we work with our clients and assist with the financial transition to retirement as well as during retirement. We are a boutique financial planning and accounting practice that works with individuals and business owners alike to help them achieve their financial goals. Focus is placed on the unique needs of each client. Our personal approach allows us to really understand your current financial situation, goals and future plans. Once we know what you want we use our experience to tailor a strategy to help you get where you want to go. We believe that having the right financial advice together will allow you to achieve your retirement lifestyle goals.

22.01.2022 What is Income Protection Insurance? Income protection insurance is one of the most popular types of insurance available to Australians today. Income Protection Insurance, also known as Salary Continuance Insurance, covers between 75% and 85% of your current monthly salary in the event you become disabled and can no longer work....Continue reading

22.01.2022 The latest from the financial services royal commission. How have you been affected?

21.01.2022 We just heard from a client, when the ATO took over the management of superannuation contributions in January, the system was so overloaded that the ATO is still sitting with many contributions that have still not been credited to individual Australians member super accounts. This client just had $6,000 in previous contributions now paid to his super account from the ATO and another $2,000 is still being held by the ATO for technical reasons (but it is not in the clients ...super account). Australians should check to see that all their employer contributions have been received into their superannuation accounts since January. We are happy to help anyone with questions or chasing up payments.

18.01.2022 "Ethical" funds dont just look at profits, but also whether a company is making a positive contribution to people, animals, and the environment. Is your Super Fund making a positive contribution?

18.01.2022 The royal commission into banking misconduct has recommended AMP should face criminal prosecution for misleading the corporate regulator More news to come on the Royal Commission.

18.01.2022 "While superannuation and the role of industry funds in particular has yet to be examined by the royal commission, only the bravest punter would bet they could come even close to our major banks on corruption, malfeasance and outright theft." Call us today and for a superannuation review.

18.01.2022 Many people are confused about the new proposed Tax changes. Do you understand how they could affect you?

16.01.2022 Do you have a self-managed super fund? Contact us for help with your current fund.

14.01.2022 With the 2018 Federal Budget delivered, find out what it means for you and how we can help. http://www.afr.com//federal-budget-2018-what-the-budget-me

14.01.2022 What is life insurance? Life Insurance products are a critical investment in your familys future as they provide a lump sum monetary benefit to your loved ones in the event of your death. A correctly tailored Life Insurance policy may therefore ensure your family continues to enjoy their current standard of living in the event of your death. Why you need life insurance?... The Australian Bureau of Statistics tells us that three in every four Australians will be diagnosed with a serious illness during their working life. Here is an example of what Life Insurance can cover: John is a 49 year old carpenter, he was diagnosed with heart disease after experiencing some pain in his chest, and was given less than a year to live. Under his life insurance policy he received a payment of $1,298,000. He used the money he received from insurance to pay off his mortgage and outstanding medical bills. The balance he added to his wifes super fund. Without life insurance, John and his wife would have suffered sever financial hardship. Have you considered the reality of how your family would cope if you were to develop a terminal illness or suddenly die? You have worked hard to build a life and provide your family with a home, an education and a comfortable lifestyle. Should something happen to you, how would your family pay the bills and provide the basics like food and clothing? Having a well-planned life insurance policy alleviates the financial pressure and allows your family the protection it needs to maintain a lifestyle free of financial pressure. Take the necessary step to guarantee that if your income stops, your lifestyle continues. Life Insurance: The Good, The Bad and The Confronting: Key Facts Life insurance can be bundled with other insurances to include Trauma and Total and Permanent Disability cover Income protection is generally Tax deductible. Most super funds will provide a default level of life cover. How Verdure can help you with your life insurance? With over 100 types of insurance policies available today, working out which one is the right one for you can be a daunting and confusing task. Then theres the fine print, what may seem like a solid policy, may in fact be a nightmare. Thats where Katriel and his team at Verdure Financial Planning Solutions add value. With over 18 years experience in insurance and a strong background in accounting, you can rest easy knowing the decision youre making is a well-informed and holistic one. Protect the lifestyle youve worked so hard to build and talk to Katriel today.

14.01.2022 What is Trauma / Critical Illness Insurance? Trauma Insurance, also known as Critical Illness or Crisis Recovery Insurance, pays a benefit to the policy holder in the event of a Trauma such as heart attack, cancer or stroke. With one in three Australians likely to suffer from a heart attack, stroke or cancer during their lifetime, it is imperative that you consider an appropriate level of Trauma insurance for yourself.... Recovery time after a critical illness can take months, sometimes years. Trauma Insurance ensures that you are financially covered for some of the recovery time in the event of a critical illness. The Cancer statistics speak for themselves. Bowel Cancer 1 in 12 Australians will develop Bowel Cancer before turning 85 years old. 14,234 Australian are diagnosed with Bowel Cancer every year (Bowel Cancer Australia, 2013). 2 in 3 Australians will be diagnosed with Skin Cancer by the time they turn 70 years old. Skin Cancer and Melanoma account for 80% of all new Cancer cases. Melanoma is a type of Cancer that commonly affect people between the age of 15 to 44 years old (Cancer Council of Australia, 2013). In 2010, Lung Cancer is the leading cause of death in Australia (8,099), followed by Bowel Cancer (3,982), Prostate Cancer (3,235), Breast Cancer (2,864) and Lymphoid Cancers (2,769) (Cancer Australia, 2013). Skin Cancer and Melanoma Lung Cancer Who you need Trauma / Critical Illness Insurance? Half of all Australians 30 and over will suffer at least one health condition that can lead to a long-term disability and lead to a loss of income. Sometimes even the healthiest people are diagnosed with illnesses they have little chance of preventing like cancer. How would your family or business partners cope if you suffered a stroke or were diagnosed with cancer? Not only might they lose their income through not being able to work, but they might also have to tap into their savings, sell their home or face major costs for medical treatment and rehabilitation. Protect yourself and your family How Verdure can help you with Trauma / Critical Illness Insurance? By having the right insurance policies in place you are protecting yourself and your family from the worst-case scenario. Having a solid Trauma / Critical Illness Insurance plan will help you Pay for lifestyle changes and rehabilitation. Some medical conditions can affect your mobility or cause disablement and you may need to purchase items or modify your home to help you cope with these changes, Allow you, and your partner if necessary, to take some time off work to assist in recovery, and Pay off debts. A simple chat with Katriel and the team at Verdure can protect you in the event of a sudden trauma.

12.01.2022 Urgent update for any Dover Clients. Please contact us for any further assistance.

12.01.2022 Happy new financial year from all of us here at Verdure Financial Planning Solutions! May it be a prosperous and successful coming 12 months for you, your family and your business. With the uncertain economic climate around the world and here in Australia, our team is doing everything they can to ensure your lifestyle is protected. What will the next 12 months hold for you? Have you considered how the following might impact on you this financial year: How will the Greek debt ...Continue reading

12.01.2022 Have you ever considered what would happen to the shares in your business should either you or your business partner pass away or become totally disabled? Check out this short video and see how we can help you with key man insurance!

12.01.2022 Child Trauma Insurance What is Child Trauma Insurance? For families with children, Child Trauma Insurance should be an imperative add-on to their Life Insurance policy. Child Trauma cover will pay a nominated benefit to the family in case one of their children becomes critically ill.... An insurance pay out will allow you the freedom to spend more time with your family and allow the financial compensation to care for your children. Child Trauma policies are available as add-ons to your Life Insurance policies and may become separate Life Insurance policies for your children with some insurance providers when your children reach a certain age. Why do I need Child Trauma Insurance? If youre a parent you will know that bumps and bruises is just all part of being a kid. Sadly however, many Aussie children suffer from medical conditions and accidents that require more than a Band-Aid. Childrens trauma insurance offers cover for a range of illnesses including meningitis, cancers, blood disorders, loss of sight, major organ and bone diseases, as well as covering some serious accidents and death. When a child is seriously ill or injured, parents will no doubt take on the role of carer. This takes the time and focus away from work and will reduce the familys income when it is needed most. Its a safety net to make sure you have enough money available to take the time you need to spend with your family. How Verdure can help you with Child Trauma Insurance? Katriel and the team at Verdure Financial Planning Services understand the need for priorities. We all know that in life there are some things money cannot buy and retrospect cannot fix. If you have kids or are planning kids speak to Katriel about your options regarding child trauma insurance.

11.01.2022 Some AMP customers may need to review their policies, to ensure they are not a victim of the fee-for-no-service practices" Read the full story below. We can help, contact us today. http://www.abc.net.au//amp-loses-count-of-how-man/9666612

09.01.2022 Industry Super Funds vs Retail Super Funds Many of our clients have wondered about the difference between industry and retail super funds. Industry super funds offer a simple, worry-free solution to employers to deposit the guaranteed super contributions on behalf of their employees in a set-and-forget manner. Employees on the other hand benefit from not actively having to engage with their super money as the contributions are usually pooled into a default fund. Their market-...Continue reading

08.01.2022 What is Total and Permanent Disability Insurance? Almost 2.7 million Australians under 65 are living with a physical disability. Total and Permanent Disability Insurance operates on the same model as Life Insurance, in the event you are no longer able to earn an income due to disablement and will pay a lump sum monetary benefit upon a successful claim....Continue reading

07.01.2022 "Retirees and other risk-averse investors are hard hit by the systemic gouging because they are most likely to allocate super to cash options, which are considered safest."

01.01.2022 "Ethical" funds don't just look at profits, but also whether a company is making a positive contribution to people, animals, and the environment. Is your Super Fund making a positive contribution?