Safeguard your income, lifestyle and family in life’s toughest moments.
Life is unpredictable. Having the right personal insurance in place ensures you and your loved ones are financially protected if death, injury, or serious illness occur.
Personal insurance provides peace of mind and financial certainty during life’s most stressful and challenging moments, allowing you to focus on what matters most.
Personal insurance is more than protecting assets if you pass away. It also safeguards your current lifestyle and your family’s financial stability if illness, injury, or an accident prevents you from working or impacts your long-term health.
Our experienced financial planners guide you through the entire process and recommend the most suitable coverage based on your circumstances, including:
With expert advice and tailored solutions, you can move forward with confidence knowing your financial future is secured. Speak with our friendly team today.
Life insurance ensures financial security for your dependents in the event of death or diagnosis of a terminal illness. This payment may assist with your family’s debt payments, lost income, and funeral expenses.
Income protection is essential to maintaining financial stability if you’re unable to work due to illness or injury. This cover will provide a regular income so you can meet your financial commitments and living expenses.
Trauma insurance provides a lump sum pay out upon diagnosis of a serious illness such as heart attack, stroke, or cancer. This payment may help you cover medical costs and daily expenses, while you focus on your health and recovery.
TPD insurance provides a lump sum payment if you become permanently disabled and can no longer work. TPD may assist with debt payments, modifications to your home, and replacing lost income.
We help identify the right type of policy (term, whole life, or other variations) and inside or outside of super, based on your family’s financial needs and goals.
We determine the appropriate coverage to replace income, cover debts (like mortgages), and fund future needs like education.
Ensuring your life insurance aligns with estate planning strategies to maximise benefits for your heirs.
It’s our job to help you choose a policy that covers your income adequately and suits your occupation and financial obligations.
At SMATS Wealth we assist in weighing premium costs against coverage benefits to fit your budget.
We Incorporate income protection into your broader financial plan to ensure cash flow remains uninterrupted during unforeseen circumstances.
When it comes to trauma insurance we evaluate your lifestyle, medical history, and dependents’ needs to determine the level of coverage required.
We can integrate trauma insurance into your wealth strategy to cover medical expenses, rehabilitation, and other costs not covered by health insurance.
Under trauma insurance we can ensure financial stability for your family while you focus on recovery.
Richard’s advice is easy to understand and very reliable. We find him and his staff to be friendly and always willing to help.
One of the things that stood out from the first time we worked together, is that Richard made it easy for me to fully understand the financial commitment I would be making. He’s made suggestions on how I can grow my investments that make sense and are within my risk profile.
Richard’s approachable style and simplicity was very reassuring. I would thoroughly recommend him to anyone looking to change their investment management.
Davone is very knowledgeable and experienced. She takes the time to explain everything to me and is very passionate about her job.
Richard has been exceptional in providing financial advice services to myself and my partner since 2020. Unlike other financial planners I have dealt with over many years, Richard demonstrates a genuine personal commitment in attaining and maintaining a healthy financial future in our retirement.
Due to our fairly specific financial circumstances, we needed a specialist to help us secure a happy and successful retirement. Over the years we have dealt with Richard, he has always demonstrated he is well qualified to guide us through these matters, so thank you Richard!
Richard has provided valuable guidance on optimising our superannuation contributions, and in creating a comprehensive retirement plan for when we return to Australia after 25 years of living abroad as expats. He builds trust, maintains open communication, and genuinely cares about our financial well-being.
Richard has been diligent in providing pertinent financial advice to my wife and I since we retired back to Australia, having spent the best part of 30 years living and working in the UK as Australian expatriates.
Richard is very prompt with his communication and we are confident in his advice.
Richard stands out in providing very detailed and tailored financial advice and planning, complemented by regular communication and reviews as required.
Davone is always a delight to deal with. Very compassionate and understanding, and patient when explaining complicated insurance matters.
I value her help enormously.
Jacqui and I have recently switched to SMATS Wealth Pty Ltd and should have done it years ago. Richard has provided invaluable advice and restructured our portfolio to maximise our returns and minimise our tax exposure as we head toward retirement.
Our experience with Richard as our financial adviser has been very positive. Richard communicates clearly and tailors his approach to our needs, ensuring we understand complex financial concepts. His knowledge and experience in financial planning, superannuation, and retirement planning are extensive.
Davone is always very helpful and explains everything in detail.
Some complex subjects are put in a very understandable way and I fully appreciate her patience in helping me.
What an asset to your company.
Always personable, Richard is my go to person for all advice concerning my pending retirement, superannuation and how to invest my funds, working towards moving to a pension that will be able to support me.
Davone has always been very approachable with questions we have had. She is flexible with her time and contactable when needed. Davone is very happy to meet in person and give the time required to explain some of the complexities of super, pensions, tax, and the many other things. A truly lovely lady, that is very knowledgeable and helpful.
Richard was originally dealing with my husband while we were living overseas and since coming back to Australia has been in constant touch advising and asking our opinion on all dealings financial. He is never pushy and I appreciate his advice. I highly recommend Richard as a financial adviser and consultant.
We have worked with Richard for a number of years and have found his services to be carried out efficiently, professionally and in a timely manner. Initially Richard undertook a comprehensive review of our superannuation and insurance needs, and this has been followed up regularly to keep up with changing markets and to meet our requirements.
Richard has always answered any questions we have had at any time and via video call at least once a year. We believe we have greatly benefited from Richard’s financial advice during the period of time we have dealt with him.
Based on his thorough understanding of our financial circumstances and needs, the investment and tax strategies Richard has recommended and implemented have proven to be successful over the past four years.
Richard has always been great in managing our superannuation funds.
We found Richard clear and reliable in explaining services for our needs.
Without hesitation, I would highly recommend Richard for financial planning services. He has certainly left us feeling confident in our financial future.
Davone was extremely knowledgeable and did everything she could to resolve my insurance issues as fast as possible!
Davone is a delight to deal with. She is very knowledgeable, patient and accommodating, explains things clearly and happy to come to you if you cannot go to see her.
Richard is very prompt with his communication and we are confident in his advice.
Although Richard is based in Perth, he makes frequent visits to Sydney and is always available via telephone and video link, also via his Sydney support team. We have found his advice for our superannuation needs most detailed and tailored to our needs, a real expert who provides information in a friendly way that we can understand easily. We will not hesitate to recommend his services.
