Why choose Vault?
Vault is a boutique professional advisory group, offering personalised financial and accounting services while specialising in self-managed superannuation funds (SMSFs) with appropriate & compliant administration and support. This is conveniently provided from our one-stop-shop location where quality accounting and financial advice is customised to each client’s personal and business needs and is supported by dedicated on-site legal, property and financial professionals. We do this with a wholistic wealth building approach to ensure every client achieves their financial goals.
We extend the additional client protection of a 100% written service guarantee on all our services.
How can your Tax services help me?
Vault can look after all company tax needs including: GST/BAS registration & lodgement; ABN and TFN applications with the ATO; PAYG variations; preparation of company annual accounts and tax returns; bookkeeping services; CGT queries & planning; company tax planning; establishing new companies; and assisting with the management of your ASIC compliance.
Is personal insurance affordable?
What other ways can I protect my wealth?
Am I locked into the insurance cover for a certain period?
Can the insurance company cancel my policy due to my health?
What's the difference between Stepped and Level Insurance Premiums?
- From age 20-30, little if any increase each year
- From age 30-40, average 6% increase each year
- From age 40-50, average 8% increase each year
- From age 50-60, average 10% increase each year
- Above age 60, average 15% increase each year
Please note that this is a guide only to annual increases if your cover remains constant. If you take the CPI increase, premiums will increase by an additional 3%-5% each year. This means that as you get older the insurance premiums can get quite high, but there is one way to avoid this – level premiums.
Level premiums are those which remain constant up to the age 65 as long as the cover remains constant. Level premiums may be higher now, but over the long term they are significantly cheaper. Where appropriate we will always provide quotes on stepped and level premiums. Note that if you select level premiums, after age 65 they automatically transfer to a stepped premium.
Will the personal insurance policy cover me whilst travelling overseas?
How do the different insurance policies you quote, compare?
Does the insurance policy have a cash value?
How do I pay my insurance premiums?
- direct debit
- credit card
Do I need to have a medical examination before taking out an insurance policy?
Are there any tax implications with an insurance policy?
If a term life policy is not written through a superannuation fund, the premiums are not tax deductible but any proceeds recovered are not considered to be assessable income.