FOR TPD RECIPIENTS
Post-TPD Financial Advice (After Approval)
You’ve received a TPD payout. Before you move funds or make big purchases, get a plan that aligns tax, super and Centrelink—then builds an investment and cashflow path you can live with.
Packages
Core — Post-TPD Advice
from $5,500 (advice)
- Payout components: inside vs outside super
- Tax & super access modelling
- Centrelink impact & reporting steps
- 12–24-month cash buffer, debt triage, portfolio outline
Comprehensive Family
from $8,800 (advice)
- Everything in Core
- Family tax & mortgage/offset modelling
- Centrelink submission checklist & document prep
Complex Case
$10,000+ (fixed quote)
- Multi-entity or settlement structures
- Residency/family-law intersections
- Enhanced modelling and multi-party coordination
Who we help
- TPD approvals held inside super (considering withdrawals or pensions)
- TPD funds outside super needing tax-aware structures
- Clients coordinating DSP/Age Pension with new assets
- Families seeking structured cashflow and debt decisions
- People wanting low-turnover investing and discipline
What you get
- Strategy & SoA: Personalised Statement of Advice that maps options, steps and risks—without jargon.
- Cashflow plan: Bill-pay & buffer framework so your spending is covered before markets are considered.
- Portfolio design: Diversified, risk-appropriate, low-turnover portfolio with rebalancing rules.
- Review cadence (additional fee): Scheduled reviews to adjust drawdowns, tax and Centrelink as life changes.
- Implementation (additional fee): Professional implementation of our advice incurs an additional fee and cannot be excluded.
FAQs
How much tax will be deducted from super if I withdrew WITHOUT our advice?
It varies from person to person depending on your age but we created a calculator that will tell you how much tax you will pay and how much tax you will save by becoming a client of ours and its FREE to use. Just go to www.tpdtaxcalculator.com.au and try it yourself. It is secure to use.
Is the TPD payout itself taxable?
The insurance benefit isn’t ordinary income. However, withdrawals from super can be taxed depending on age and components. Timing & amounts matter—seek personal tax advice.
How will this affect Centrelink?
Withdrawn funds held outside super may be counted under income/assets tests. Keeping funds in super (before Age Pension age) may reduce means-test impacts. We model this and help with reporting.
Do I need to invest everything at once?
No. We typically set a 12–24-month cash buffer, then invest in stages with a rules-based approach.
What does implementation include?
Account/pension setup, product changes, investment placement and Centrelink lodgements (quoted once strategy is chosen).
