Personal Financial Planning

Life Insurance

Pays a lump sum on your death or the diagnosis of a terminal illness. So when the worst happens, your foresight will pay off the mortgage and other debts, provide for your children’s education, obtain child care and secure your family’s lifestyle. This will allow your family to focus on supporting each other, not worrying about paying the bills. As the years pass they will continue to be thankful to your thought ahead.

Life Insurance
Total and Permanent Disability Insurance

2Total and Permanent Disability Insurance

Pays a lump sum if you become disabled and are unable to ever work again. You can use this lump sum to pay off debts, cover medical costs and invest so that you have an annual income to help maintain your lifestyle.

3Income Protection Insurance

Protecting your most precious asset
Provides a replacement income of up to 75% of your current income if you are unable to work due to illness or injury. Also known as ‘Income Replacement Insurance’, ‘Disability Income Insurance’ or ‘Salary Continuance Insurance’, it can cover you for short or long periods and offer various waiting periods to suit your needs. Depending on the policy, payments may continue right up to the age of 65 if the disability is ongoing or permanent.

 Income Protection Insurance

 Trauma Insurance

4Trauma Insurance

Pays a lump sum on the diagnosis or occurrence of one of a list of specific illnesses such as heart attack, cancer or stroke. That payment gives you choice and flexibility at a time when you need it most. You will be able to reduce your working hours, spend time with your family, get treatment or rehabilitation and pay for a carer and any number of unexpected things.

5Business Expenses Insurance

Business expenses insurance covers the ongoing costs of your business if you are self employed and cannot work due to illness or injury.

Business Expenses Insurance

 Key Person Insurance

6Key Person Insurance

Key person insurance covers the losses incurred when a person essential to the success of your business is injured, becomes sick or dies.

Key Facts About Life Insurances

  • One child gets run over by their family car in their driveway every week. You are most likely to have insured your car but have you insured your most precious assets? Your family’s and your life?
  • According to 2007-2008 National Health Survey, 35% of total Australian population reported living with some kind of chronic disease such as cancer, multiple sclerosis etc. Although as individuals we try to live a healthy life but unexpected can happen to anyone of us. Ever wondered how your bills and mortgages will get paid if you fall in those 35% category? Thankfully, there is Life insurance that can help you get back on your feet if something unexpected happens to your life. Life insurance protects your wealth and your hard work.
  • Almost 59 percent of Australian families would not be able to maintain their current standard of living if the main earner of the family were to pass away or loose their earning capacity.
  • Last year alone 2 leading insurers and our Life insurance partners, TAL and AIA paid $950 million and $900 million respectively in claims.


Personal: Making sure your retirement capital is maximised.

A 1 % difference on an $80,000 super balance over 25 years can sum up to $35,000 in your retirement savings.

  • We tailor individual plans to minimise cost and maximise our client’s retirement savings.
  • We organise consolidation your different super funds into one fund which is simple and easy to manage.
  • We will review the fees and charges in your super fund or funds and recommend a strategy to minimise them either in the same fund or by rolling over to another super fund with lower fees.
  • Most Super funds insure their member’s life and income. However, it may or may not be adequate in your circumstances. We will review your insurances to make sure you are adequately protected and the premiums are competitive.
  • We will review your investments with in super fund and align them to your goals and risk profile.
  • We can set up a diversified investment portfolio within your super fund to maximise your wealth.


Creating the wealth you aspire.

We tailor individual plans to meet your specific wealth creation goals, whether it be for advanced investors or for someone who is just starting out.

  • We will set up a diversified investment portfolio according to your aptitude to risk.
  • A regular investment plan to help you accumulate wealth and save for a specific goal or a life event.
  • We will review your existing portfolio ensuring your investments are performing according to your expectations.
  • We will recommend quality managed funds for your portfolio to increase diversification and minimise risk while at same time making sure your investments growth is aligned to your goals.

Debt Management

Making your debt more affordable.

We will formulate a debt management strategy by reviewing and consolidating all of your debts to make sure you pay minimum interest and the repayments are affordable.

  • We have an in-house finance facility ranging from home loans to project development and commercial loaew your current salary packaging and provide recommendations to maximise your savings potential.

Salary Packaging

Making the most out of the dollar you earn.

We tailor individual plans to meet your specific wealth creation goals, whether it be for advanced investors or for someone who is just starting out.

  • We will review your current salary packaging and provide recommendations to maximise your savings potential.

Ninder Sidhu and RSB Financial Planners Pty Ltd are Authorised Representatives (Authorized Representative nos 1237046 and 1237047, respectively), acting under authority from Synchron (Australian Financial Services Licence 243313)

This article is not a substitute for independent professional advice. We do not warrant the accuracy, completeness or adequacy of the information or material in this article. All information is subject to change without notice. We and each party providing material displayed in this article disclaim liability to all persons or organisations in relation to any action(s) taken on the basis of currency or accuracy of the information or material, or any loss or damage suffered in connection with that information or material. You should make your own enquiries before entering into any transaction on the basis of the information or material in this article. Please ensure you contact us to discuss your particular circumstances and how the information provided applies to your situation.

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