Helping families (especially those with school-aged children) Seize the Seasons to enjoy and maximise the present season that they are in, as well as upcoming seasons, by putting in place a plan(s) to: 1. Save - have more money to spend on what is important and enjoyable because home loans are a big expense and a better interest rate translates to more money to spend on the family. - spend less than on a new and/or used car and save your time and emotional energy and not haggle with the car salesperson who is trained to extract as much out of you (unless you like that sort of challenge), by accessing our panel of car brokers who can source and arrange delivery of your next car, 4 Wheel Drive, SUV, ute, caravan, etc. 2. Invest - enjoy and fund your family's dreams and financial goals before retirement - enjoy retirement by taking advantage of the best legal tax haven in Australia - superannuation 3. Protect the Family's Wealth - building a Financial Safety Net if an unexpected accident, illness or death should happen using Income Protection, Trauma, Life and TPD (Total and Permanent Disablement) insurances (inside and/or outside superannuation) and every year for less than the cost of a birthday cake, the children can also be protected so if an unexpected event should happen, the family will be caught by the financial safety net and not crash) thereby providing financial peace of mind and a war chest to fight through the difficult season. The things to consider are: 1. likelihood - how likely is something unexpected going to happen 2. impact - if something unexpected does happen to our family, are we going to be able to cope 3. risk mitigation - do we want to wear/ bear the risk or should we pay an insurer to wear/bear the risk because we cannot cope if an unexpected event did happen.