Financial
Roadmap
A clear, personalised path to your financial goals.
Insurance
Protect your family, business and wealth with cover that supports your goals through life’s uncertainties. Insurance provides a tailored safety net that helps reduce stress and maintain stability when the unexpected happens.
The role of insurance in your overall financial strategy
No one can predict the future, but having the right insurance can help you prepare for it. Coverage provides continuity when circumstances change to ensure your financial plans stay on track, no matter what. Whether it’s illness, injury or loss, your time in those moments is better spent looking out for your loved ones. Let insurance take care of the financial side.
We’ll help you identify which types of cover are most relevant for your stage of life and how to structure them for flexibility, tax efficiency and lasting value, so your insurance complements your financial plan with purpose.
Insurance types, and what they offer
Life Insurance
Life insurance provides financial support to your loved ones if you pass away or are diagnosed with a terminal illness. It can help cover ongoing costs such as the mortgage, school fees or other living expenses, so your family can maintain stability through what is already a difficult time.
The right level of cover will depend on your debts, dependents and lifestyle needs. We’ll help you assess what’s appropriate for your situation and explore whether holding the policy through superannuation could offer cost or tax advantages.
Income Protection
Life doesn’t stop when you’re unwell, but your income might. Income protection pays a regular benefit, usually up to 75% of your salary, if you’re unable to work due to illness or injury, so you can manage your regular expenses while you recover.
You can also tailor your policy with options like waiting periods, benefit lengths and added features. We’ll work with you to make sure your cover suits your needs now and make adjustments as life changes.
Trauma Insurance
Trauma insurance, also known as critical illness or recovery cover, pays a lump sum if you’re diagnosed with a serious illness or experience a major health event like cancer, stroke or a severe accident. It’s there to ease the financial pressure while you focus on recovery.
You can use the payment for medical bills, therapy, lifestyle changes or everyday expenses. We’ll help you decide if trauma cover suits your needs, based on your health insurance, income needs and available support.
Total and Permanent Disability (TPD)
TPD insurance pays a lump sum if you’re permanently disabled due to illness or injury. You may be incapable of returning to your old job or may never work again.
TPD is there to help cover living costs and maintain your lifestyle when your earning capacity is diminished or stops altogether. You might also need extra support for medical treatment, rehabilitation or changes to your home.
Business Insurance
One of the biggest challenges for business owners is dealing with the unexpected. Sudden events can take a toll on your finances. The right insurance helps safeguard your investment, handle legal expenses, and keep your business moving forward when trouble strikes.
The kind of cover you need depends on your business size, structure and industry. Some policies, like Workers’ Compensation and third-party injury for vehicles, are required by law. Others, like key person cover or public liability, give extra peace of mind. We’ll help you figure out the right mix to suit your needs.
Coverage that’s right for you and your family
Everyone’s situation is different, which is why insurance must be tailored to your personal needs. Ultimately, it’s not just about protecting yourself, it’s about caring for the people who rely on you, too. You can’t control what life brings, but the right cover can help you stay in control of your financial future.
As your circumstances evolve, so should your cover. Whether you’re welcoming a child, taking on a mortgage, changing careers or approaching retirement, we’ll ensure your insurance remains relevant and responsive. We partner with a trusted provider to deliver tailored cover that fits seamlessly within your overall financial strategy.
“Our clients don’t have to re-explain their story every time. We know them, their family, and where they’re headed.”
YOUR FINANCIAL JOUNEY
Building your financial future
Every client journey begins with a conversation. We look closely at where you are now, what matters to you, and what’s possible. Then we structure our advice to match.
Financial
Tax
Efficiency
Proactive strategies to maximise your tax savings.
Personalised
Investing
Tailored plans aligned with your goals and risk profile.
Ongoing
Support
Regular guidance to keep your plan on track.
CLIENT STORY
Jan
Life Stage:
Retired
Background:
Jan's husband managed the finances until entering aged care. Jan gradually stepped into the financial picture with First Financial’s support.
- Needed financial guidance after business sale
- Lacked experience managing complex finances
- Sought consistent income and long-term structure
- Wanted a familiar, reliable relationship
- Provided long-term support through several transitions
- Helped structure income reliably for retirement
- Empowered Jan through education and reassurance
- Delivered calm advice through both grief and growth
“The money just comes in. I don’t have to think about it. And I know they’re always there. They’ve always been there in the background, just quietly making things work.”
CLIENT STORY
Tim and Adam
Life Stage:
Early retirement and working professional
Background:
When Tim received an overseas medical settlement, he and Adam had just 14 days left in a 90-day window. They needed clear guidance, fast. A referral led them to First Financial.
- Only two weeks left to meet urgent legal and financial deadlines
- Wanted to preserve capital while setting up income for the future
- Needed a plan that supported both retirement and ongoing work
- Hoped to find advice that felt personal, not transactional
- Managed every moving piece, from legal documents to super rollovers
- Designed a strategy that supported both Tim’s retirement and Adam’s career
- Offered clear guidance with steady follow-through, with no stress or pressure
- Built in ethical investing and flexibility, without sacrificing performance
“We’re in totally different life stages, but First Financial built a strategy that supports us both. From urgent legal steps to ethical investing, they handled every detail with calm, care, and real expertise. It’s financial freedom without compromise, and we couldn’t have done it without them.”
CLIENT STORY
Graeme and Craig
Life Stage:
Retired and semi-retired
Background:
Referred by friends helped through aged care, Craig sought secure financial guidance after inheriting funds.
- Invest inheritance securely without high risk
- Maintain a modest lifestyle with confidence
- Building trust for someone new to advice
- Accessible, personalised advice
- Provided a low-risk strategy with regular income
- Reassured with steady, market-aware updates
- Established trust through responsiveness and warmth
- Delivered calm, expert support through all transitions
“We feel very secure with First Financial, the income just comes in, and we know everything is being looked after. It’s not just safe, it’s smart. We’ve recommended them to others because we genuinely believe in the team.”
CLIENT STORY
Lyn
Life Stage:
Retired widow
Background:
Lyn stepped into financial management for the first time after her husband's passing. With patience and care, First Financial supported her through grief, learning, and empowerment.
- Had never managed finances before
- Was overwhelmed after her husband’s passing
- Needed plain-English explanations and patience
- Sought emotional support and practical clarity
- Offered caring, respectful advice at her pace
- Rebuilt confidence with diagrams, stories, and reassurance
- Supported gradual decision-making around retirement
- Remained a trusted constant through major transitions
“After my husband passed, I was completely unsure where to start. First Financial gave me the space to learn, to ask questions, to grow confident. They drew a diagram that I still have. And now, I sleep well at night knowing I’ve got someone in my corner.”
CLIENT STORY
John
Life Stage:
Retired business owner
Background:
After decades of running a successful pharmacy, John sought financial guidance to simplify decision-making and support long-term planning.
- Navigated the sale of a long-held business
- Wanted simple, honest advice after burnout
- Needed a hands-on adviser he could talk to
- Desired financial guidance aligned with lifestyle goals
- Crafted a strategy that supports relaxed, post-work life
- Offered approachable, plain-English advice
- Maintained an ongoing, trustworthy relationship
- Provided flexibility with investments and cash flow
“I feel genuinely supported by First Financial. I can ask anything, and there’s no pressure, just clear advice and real care. The money’s growing, I’m not stressed about it, and I feel completely at ease for the first time. I don’t miss work, but I’d miss the support I get from First Financial.”
CLIENT STORY
Larry and Virginia
Life Stage:
Newly retired
Background:
As retirement neared, Larry and Virginia were ready to enjoy travel, family, and freedom, without uncertainty. A friend recommended First Financial, and from the first meeting, they had a clear plan, a safety net, and people they trusted.
- Wanted to travel and enjoy retirement without second-guessing finances
- Needed a structured income plan with buffers for the unexpected
- Valued guidance that felt honest and human, not overcomplicated
- Needed people they could call and count on
- Created a reliable income stream with a set-aside safety net for the unexpected
- Gave them the freedom to travel and spend meaningfully with family
- Kept advice simple, thoughtful, and tailored to what mattered to them
- Built a lasting partnership based on trust
“We’ve travelled the world, Europe, Sri Lanka, Vietnam, without once stressing about the money. They made everything feel simple and gave us the confidence to live well. We feel secure because we know exactly where we stand, and that peace of mind means everything.”
Frequently Asked Questions
Do I really need insurance if I already have savings?
Savings can provide short-term support, but insurance offers long-term protection without draining the assets you’ve built. It ensures financial stability when facing unexpected illness, injury or loss, and helps keep your broader financial strategy on track.
What types of insurance should I consider?
The right cover depends on your personal circumstances. Life insurance, income protection, trauma cover, TPD and business insurance all serve different roles. We help you understand what’s relevant based on your income, family situation and goals.
Can I hold insurance through my superannuation?
Yes, some policies, like life and TPD insurance, can be held through your super, which may offer tax or cash flow benefits. We’ll explain the trade-offs and help determine whether this structure works for you.
How often should I review my insurance cover?
We recommend reviewing your insurance when your circumstances change, such as starting a family, buying property, changing jobs or nearing retirement. Regular reviews keep your protection aligned with your life and financial plan.
What to expect
Introductory Call
Your first contact with us is typically through a phone call. We aim to understand your needs early on, address any immediate questions, and make sure we’re the perfect match.
Discovery Meeting
This meeting will be more in-depth, allowing us to thoroughly understand your situation, financial goals, and priorities. We will clearly explain our fees, so you know what to expect.
Strategy
We’ll take the time to analyse, evaluate, and develop strategies to determine an effective path to achieve your goals and address your priorities.
Recommendations
We take the time to go through your tailored plan, in a simple, straightforward manner. Our goal is to provide clarity and confidence, so you can see a clear path forward.
Implementation
Following your approval, our team will proactively guide the process to implement your recommendations and set you on the path to achieve your lifestyle and financial goals.
Partnership
Our partnership keeps you on track with regular check-ins, clear updates, and next steps. When life changes, we review and adjust your plan so it stays aligned to what matters.