Welcome to Prospaerum the premium life insurance management and keyman insurance broker in Sydney. Our experienced team offers a range of services centering around financial planning, life insurance comparison, superannuation and investment advice. Whether you need insurance advice on key man, business or trauma, our friendly, Sydney based insurance team is here to help.
There are many different types of financial advice; it all depends on your goals and situation. One of our team will talk with you to ascertain your current position and financial goals and work with you to find the best course of action. A personalised plan for you could be to secure your financial future, solve current financial problems, maximise your earning capacity, removing stress over money concerns, or planning for a rainy day.
There are many different types of financial advice; it all depends on your goals and situation. One of our team will talk with you to ascertain your current position and financial goals and work with you to find the best course of action. A personalised plan for you could be to secure your financial future, solve current financial problems, maximise your earning capacity, removing stress over money concerns, or planning for a rainy day.
Services
At Prospaerum Financial Planning, we put you at the centre of all we do. Helping you define your goals and objectives, and tailoring strategies to help you achieve them, is our passion. With your financial security in mind, our focus is working with you to forge strong bonds and engage in relevant, open, ongoing discussion.
Insurance is a form of protection - a way to protect yourself, your family and the things you own if something goes wrong. Everybody's circumstances are different, but insurance is important for everybody. Your need for insurance will change as you move through the different stages of your life. There are many different types of insurance, and we can help you find the right level of protection for your needs.
Superannuation is attractive because it receives favourable tax treatment, both when you are working and once you have retired. Investment earnings are typically taxed at a rate of 15 per cent, rather than your marginal tax rate of up to 46.5 per cent. Capital gains are taxed at a maximum rate of 15 per cent.
During your working life you receive regular income in the form of a salary or business income. In retirement, this regular income stops, so you need to draw on your savings to meet your lifestyle costs. You set up your savings so you still receive regular payments, just like a salary. This is called a 'retirement income stream'.
The purpose of the Age Pension is to make sure you have enough income in retirement. It is a fortnightly payment made by the government to help you meet the cost of living if your retirement savings are below a certain level. To be eligible for the Age Pension, you must have reached a certain age. If you satisfy the age criteria, your current level of wealth is then assessed to determine whether you can receive a payment.
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