The professional advice offered by Irwin Financial Solutions helps our clients to gain and retain control of their finances. We lead you through the process of setting your financial objectives, assessing your assets and resources, estimating your future financial needs and developing a plan to achieve your goals.
The sooner you start planning the more likely you will be able to achieve financial independence and long term peace of mind.
With family units becoming more complex, estate planning has become an important part of your overall financial plan and can involve much more than a simple will. We will help you to ensure the investments you make now are passed on to your family and beneficiaries in the most efficient and tax effective way.
It is important to understand the various forms of property and personal insurances to protect both you and your home against unforeseen distressing circumstances.
The unexpected expense of repairing the structure of your property or replacing your valuable contents can be a costly exercise.
Make sure that everything important is covered and that you read and understand all policies.
It makes sense to ensure that you can continue to meet your commitments in the case of unforeseen events.
Income protection insurance (also known as salary continuance) covers a predetermined percentage of your monthly income (usually 75%) when you are unable to work for an extended period of time due to illness or injury.
or critical illness insurance provides a lump sum of money to cover immediate medical expenses and other financial needs when a critical illness or injury occurs. Trauma cover pays an agreed amount to cover you for many different issues such as heart attacks or intensive care.
You can choose to cover yourself for either total or permanent disability or death options, providing you can no longer work or in the event that you die due to illness or accident. When combined with life insurance, this can provide security for you and your family for the rest of your life.
Life insurance provides a lump sum payment to your beneficiaries in the event of your death. If you are the main income earner in the family, this insurance will help your family manage their future (eg paying out the mortgage, schooling and other family expenses) without your ongoing earning capacity.