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Income protection insurance can be an excellent way to protect you and your family against unforeseen circumstances. Without income protection insurance, it can be difficult to keep putting food on the table and meet mortgage payments if you are unable to work.
Liston Newton Advisory can help you assess your personal financial situation and determine if income protection is right for you. We help you identify how much cover is appropriate, and understand how to choose the best income protection insurance cover for your family.
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At Liston Newton Advisory, we take pride in helping business owners get more out of their hard work. Our downloadable guides can give you an in-depth look at strategies and technologies that will help your business grow.
Our team has over 40 years of experience helping our clients grow, while protecting their personal wealth with income protection insurance.
We take a holistic approach to your income protection strategy, that integrates financial planning, tax advice, and estate planning into your full financial picture.
You’re not operating alone. You can tap into our trusted network of financial advisers, estate planners, and a panel of over 15 insurance companies to ensure you get the best deal.
Income protection should take a long-term view. So we work with you to make sure you fully understand your insurance decisions, and what this means for your future.
We recognise that income protection insurance can often be an afterthought, so our goal is to make sure income protection is part of your long term financial planning. When undertaken correctly, the right income protection insurance can cover up to 75% of your income lost from injury or illness, right up until 65 years old.
Our experienced team work with you to determine if income protection insurance is right for your situation, and then help you secure the cover best suited to your financial goals.
This is peace of mind — for the long term.
We have worked with Liston Newton's Accountancy and Advisory Team for over a decade. During that time, our business has grown substantially both organically and through purchases. This wouldn’t have been possible without Liston Newton Advisory to assist with our business planning, providing proactive advice and ensuring our accounts were always compliant in a complex and volatile industry.
Liston Newton's Accountants analysed our financial and business situation and helped us implement strategies to improve our position. Their strategies turned our business from making a loss, to recording a 6-month net profit of 36 per cent. And we are now on track to show a 240 per cent increase in turnover over the next financial year.
Liston Newton helped us move our accounting over to Xero. Their Accountant managed the set up and training so we felt comfortable with the software. We now have all our processes streamlined which gives us improved visibility of our business performance. This has allowed us to open 2 more stores without a significant increase in administration effort.
We’ve developed our own distinct methodology for helping you plan your financial future. We call it Get Set, Get Moving, Get Free. Part of this process is planning for situations where you’re no longer able to work, and putting insurances in place to ensure your family and finances are protected.
Income protection insurance is just one of the tactics we can help you with.
Our specialists help you determine the best personal insurance strategy for a secure future.
We restructured Papermill Media and moved them to cloud accounting. Papermill was listed at number 43 in the Australian Financial Review's Fast 100 List in 2017.
Take a lookWe have helped Cambridge Plumbing to manage and forecast cash flow. We've also provided the director with advice on wealth creation and asset allocation.
Take a lookAfter helping them transition to Xero, we conducted quarterly business coaching with Quality Energy and helped increase their profits by 90 per cent.
Take a lookGet advice and guidance on the best income protection insurance that enables you to live comfortably, no matter what.
Income protection insurance protects you against a loss of income through injury or illness. Income protection can pay you up to 75% of your normal annual income for 2 years, or right up until age 65. It can be an invaluable way to protect you and your family against unforeseen circumstances that prevent you from returning to work.
Income protection insurance can be vital if you’re:
How much you should spend on income protection insurance all depends on your personal financial situation. Rather than think about it in terms of what it costs, it helps to instead think about what it would cost to be out of work.
Income protection insurance is designed to support you for an extended period of time. So, to determine how much you should spend on your income protection, it’s useful to start by working out your budget. Map out all your monthly expenses, and match this against the income you’d usually earn. It’s also a good idea to plan for super payments, too, so you can continue planning for your future.
So ultimately, what you spend on your income protection will be determined by the level of cover you require, and the value of the quote you receive. We can connect you with our network of over 15 trusted insurance providers, to ensure you get the best income protection insurance quote for your situation.
There are a number of things you need to take into account when choosing the best income protection insurance policy:
