Make sure one bad year doesn't become one lost decade
A serious illness, an accident, a period out of work — without the right protection, these become financial events that compound for years. We build cover that helps absorbs the hit, so your long-term plan stays intact.
Risk protection sits underneath everything else in your financial plan.
Without it, your investment strategy, your retirement plan, and your family’s lifestyle are all built on an assumption: that nothing will go wrong.
That assumption is the most expensive risk of all.
Most people are either uninsured, underinsured, or paying for cover they don’t need.
We analyse your actual exposure — income, debts, dependents, lifestyle costs — and build a protection structure that helps cover the right risks at the right level.
Sound familiar?
These are the problems we solve every day
Know you should have income protection but keep putting off the research?
Not sure what would actually happen to your family's finances if you couldn't work for six months?
Got some insurance inside super but no idea if it's enough — or even the right type?
Paying premiums on a policy you took out years ago and never reviewed?
Strategy
What our risk protection service includes
01
Comprehensive gap analysis
We review every policy you hold — inside super and outside it — and map it against your actual financial exposure. You’ll see exactly where you’re covered and where you’re not.
02
Market-wide policy comparison
We’re not tied to any insurer. We compare policies across the market to find the right combination of cover, terms, and premium — not just the cheapest option.
03
Claims support when it matters most
If you ever need to claim, we manage the process with you. Documentation, insurer negotiation, and follow-through. You won’t navigate it alone.
04
Annual reviews that keep pace with life
New baby, new mortgage, new job, new health issue — your cover needs to evolve with your life. We proactively offer an annual review service so we can work with you to make sure you are not under- or over-insured.
Testimonials
We've helped Australians mitigate risk and protect what matters since 1986
“"Working with Profile Financial Services has been one of the most grounding and supportive experiences of our lives—especially during a time when everything felt uncertain.
We walked through a complex and emotionally charged claims process, and in our most vulnerable moments, Erica was there—holding space with compassion, guiding us with clarity, and delivering with the kind of precision and professionalism that only comes from someone deeply committed to her work. We didn’t just feel like clients—we felt genuinely cared for.
Chris brought calm, thoughtful oversight to our insurance portfolio. His steady presence and clear advice gave us confidence that the important details were being handled, even when we were too overwhelmed to hold them ourselves.
If you’re navigating a season where you need to know you are held, guided, and supported—this is the team you want beside you. Erica and Chris are not just exceptional at what they do—they’re human, heart-led, and wholeheartedly invested in your outcome."”
Angie Suthers
“Scott Ungaro from Profile Financial Services provided me with a comprehensive statement of advice and assisted with updating key insurances. He is friendly and knowledgeable and I would recommend his service.”
Tim Middleton
“A very professional financial advisory firm whose focus is on two key elements aside for the other complex moving parts. Firstly a thorough risk management process is conducted to ensure appropriate outcomes, and secondly a strong focus on the client, the investors like us. I feel comfortable with this culture as a client of Phillip Win for quite a number of years and am happy to provide this commendation.”
Joseph Hauser
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Frequently Asked Questions
Get to know more about us and how we can help you before you start a conversation.
What is the difference between the types of personal insurance?
Different types of insurance protect against different risks. Life insurance supports your beneficiaries if you die, TPD insurance may provide a lump sum if you become permanently disabled, trauma insurance covers specified critical illnesses, and income protection may replace part of your income if illness or injury prevents you from working.
A financial adviser helps you make informed decisions about your money, including superannuation, investments, insurance, retirement planning, cash flow, tax-aware structuring, estate planning considerations and long-term wealth strategy.
In Australia, personal financial advice must be provided by an authorised adviser who is listed on the Financial Advisers Register. Advisers also need to meet conduct and disclosure obligations, including acting in the client’s best interests when providing personal advice.
When should I seek financial advice?
You should consider financial advice when your financial decisions become complex, high-value or long term. Common triggers include buying a home, starting a family, receiving an inheritance, changing jobs, receiving equity or bonuses, preparing for retirement, selling a business, managing tax, or deciding how to invest surplus income.
Good advice is not just about investments. It is about creating a clear plan, understanding trade-offs and making sure decisions across tax, super, insurance, debt and estate planning work together.
How do I choose a good financial adviser?
Look for an adviser who is properly licensed, transparent on fees, experienced with clients like you, and able to explain advice clearly. ASIC’s MoneySmart recommends checking an adviser’s qualifications, experience, fees, services and whether they have any links to product providers.
A good adviser should take time to understand your goals, explain alternatives, disclose costs and risks, and give you space to make informed decisions.
What should I expect from a financial advice process?
A strong advice process usually includes discovery, goal setting, strategy development, written recommendations, implementation and ongoing review.
For personal advice in Australia, clients may receive a Statement of Advice explaining the advice, the basis for the recommendations, relevant costs, benefits, risks and any conflicts or remuneration. ASIC guidance emphasises that advice should be clear, concise and effective.
How much does financial advice cost?
The cost depends on complexity. A simple advice engagement may be relatively contained, while comprehensive advice covering superannuation, investments, insurance, retirement modelling, tax structures and estate planning coordination may cost more.
Best practice is for fees to be clear upfront, agreed in writing and linked to the scope of advice. Clients should understand whether fees are fixed, hourly, ongoing, asset-based or a combination.
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Let’s talk about what’s possible
Book a zero-cost conversation with one of our expert advisers. No jargon and no pressure. Just clarity on your wealth, your goals, and your next step.
