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Obsidian Wealth Management

How we help

Risk Management & Insurance Advice

Consider how illness, injury or death could affect your finances. We review existing cover, potential gaps and affordability before recommending changes.

Book a call

Free 15-minute call. Choose a time below.

Decisions we help you make

  • How much cover would my family need if I died or couldn’t work?
  • Is the insurance in my super enough, or do I need more outside it?
  • Should I keep, change or replace the policies I already hold?
  • How much income protection can I afford, and on what terms?
  • What would happen to the business if a key person couldn’t work?

How we help

What the advice covers

Insurance protects the rest of your plan. We start with what your income supports, who depends on it and the cover already in place, then consider whether changes are needed.

  • Life insurance. A lump sum to the people who depend on you if you die.
  • Total and permanent disability (TPD). Cover if illness or injury stops you working permanently.
  • Trauma cover. A lump sum following a specified serious illness or injury.
  • Income protection. A monthly benefit if you cannot work for a period.
  • Business cover. Protection for key people and ownership arrangements.
  • Policy reviews. Existing cover, inside and outside super, checked for gaps, cost and terms.

How it fits your wider plan

The right level of cover depends on your debt, cash reserves, super and family commitments. As your mortgage falls or your assets grow, the cover you need may change. We consider affordability alongside your other goals, and how premiums paid through super could affect your retirement savings. Where business or ownership arrangements are involved, we work with your accountant or lawyer.

Who it suits

  • Professionals and executives whose household depends on their income
  • Families with a home loan and children
  • Business owners who need continuity if a key person cannot work

What working together involves

Tav leads the research, strategy and advice. Our client service, administration and implementation team supports the work.

  1. Step 1: Introductory call

    Tell us what has prompted you to seek advice. We’ll discuss whether Obsidian can help and explain the next step.

  2. Step 2: Discovery

    We explore your goals and financial position in detail. Together, we establish the questions your advice needs to answer and agree the scope and fees before proceeding.

  3. Step 3: Strategy development

    Tav researches your options and develops the strategy. We consider the costs, risks and trade-offs, then document the recommendations for you.

  4. Step 4: Advice presentation

    We explain the recommendations, work through your questions and refine the plan where needed. You decide which actions to authorise.

  5. Step 5: Implementation and review

    Our team coordinates the approved changes and keeps you updated. If you choose ongoing advice, scheduled reviews help keep the plan relevant as your circumstances change.

Read about our approach

Common questions about risk management & insurance advice

Should I hold insurance inside or outside super?

It depends on the type of cover, your cash flow and how the policy would pay out. We compare the options, including the effect on your super balance and the terms of each policy.

Will you recommend replacing my existing policy?

Only if it is in your interest. Replacing cover can mean losing benefits or facing new exclusions, so we compare both policies carefully before recommending any change.

How often should my cover be reviewed?

Whenever your circumstances change significantly, such as a new home loan, a child, a change in income or paying down debt. If you choose ongoing advice, cover is considered at scheduled reviews.

Book a free 15-minute call

Choose a time that suits you. We’ll discuss your situation, whether we can help and what working together would involve.

Scope and fees are agreed before any advice work proceeds. Our Financial Services Guide explains our services and how we’re paid.

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