Guide – Income Protection Package

Affordable Financial Planning Sunshine Coast Locals Trust.

Income Protection, also known as Salary Continuance, is one of the most important measures you can put in place to protect your lifestyle.

Ask yourself these questions:

What percentage of your income is currently being allocated to securing your income for AFTER your working life? For most people it is the 9.5% of salary paid into super by their employer.

What percentage of your income is currently being allocated to securing your income for DURING your working life? For most people the answer is 0%

If we think of a working life and after working life income stream which of these income streams is most important? – AFTER your working life or DURING your working life

You may be interested to know that over the last 12 months my new protection clients have typically deemed it appropriate to allocate somewhere between 4% and 5% towards securing their income during their working life.

Do you think that might be an appropriate allocation of funds on your part?

This what an Income Protection Package is all about. Making sure that you can secure your income throughout your working life, to make sure that you do have a reasonable income after your working life.

To find out more just get in touch and we can have a chat about what you want. No cost or obligation.

Important information

This information is of a general nature only and is not intended to constitute personal advice. It does not take into account your particular investment objectives, financial situation or needs and, accordingly, you should consider the appropriateness of this information in light of your own circumstances. We recommend that you obtain professional advice before undertaking financial transactions.

Graham Chatterton is an Authorised Representative of:

Consilium Advice Pty Ltd ABN 86 158 826 647

Australian Financial Services Licence No. 424974

Level 11 37 Bligh Street SYDNEY NSW 2000

T: 02 8003 5111

E: [email protected]


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Here’s what Client Focused Financial Planning’s clients have to say

Graham comes highly recommended. He has been our financial adviser for the past 12 years. Whatever concerns you may have, Graham will put your mind at ease, and guide you in the right direction.

D & C Austin

I have been with another financial planner the last 3 years but was not happy with the service given. It seemed that it was all about insurance/super in to certain fund. I wanted to get an overall assessment of my current situation and to know what options I had for investment.

I found Financial Wisdom on womo and sent an email. Graham responded promptly. In our first meeting, I was impressed by how well prepared he was and gained a lot of valuable knowledge. I did not want to make a wrong decision a second time with financial planners and insisted on speaking with one of his current clients which he kindly arranged.

Graham has now worked out an investment strategy for us which we are starting to implement. He charges on a fee for service model which I was looking for as it makes sure he is not swayed by commissions based on certain products. Some of his advice has already paid for some of fees through tax savings.

I would highly recommend Graham.

Raj S.

From the day I came to your office, a nervous investor I found you to be very caring, friendly and open. You have an honest face. From the beginning I trusted you with my small super fund.
I was coming to you at the end of a very volatile period in the industry and was worried about protecting my super and trying to provide a nest egg for my future. It was a time when I was very worried I would not have enough to retire on. You guided me through the process with what now turns out to be sound advice and I now find myself in a position where I can retire to live what I hope will be a comfortable life in retirement.
You are also in the process of guiding me through what is a confusing time with my elderly mother's latter years. What to do with her house, how it affects her pension. What to do about the cash she is holding in term deposits and all the confusion that goes with it.
Overall I have found you to be educated and confident in the advice you give to your customers. I would not hesitate in recommending you to others.


A BIG thank you to Graham for his help in our financial predicament. You have shown me with clarity the benefits in your strategies of investing and this has been a more than positive outcome for me and my family. The 12 month payment plan really helped to make your valued advice more affordable. Thanks again Graham.

David T.

Graham listened to us and showed us how we could do the things we wanted to do. There was no pushy sales and he took the time to fully understand our circumstances. The savings we made by following his advice more than paid for it.

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