Our Services

BIS Consultants offer our clients a broad range of individually tailored services and strategies for both personal and business, including recommending a broad range of products to address your needs.

 

Investments, Superannuation & Retirement Planning


Wealth can be defined as the accumulation of resources. Therefore, we aim to assist our clients in maximising their accumulation of wealth, via a number of individually tailored strategies.

Such strategies can include;
  • Investments
  • Gearing
  • Superannuation – Can include superannuation consolidation (rollovers into one account) and risk profiling (to determine your optimal asset allocation)
  • Self Managed Super Funds
  • Tax Strategies
  • Retirement & Redundancy Planning
  • Debt Consolidation & Management
  • Estate Planning
  • Accessing Government Benefits

 

Income and asset protection


Insurance; Income protection, Life, Trauma, and TPD:

Insurance can be the simplest way of ensuring you have peace of mind for what happens in the future. However, the type and level of cover you require is completely based on your own circumstances.

We offer advice on;
  • Income Protection Insurance
    Insurance whereby if you are injured or become sick in a way that prevents you from fulfilling your employment duties, an ongoing benefit can be paid to you. This benefit can be up to 75% of your income and is based on your previous income history. This will either be of a fixed value (Agreed Value) or based on your previous two years worth of income (Indemnity).
  • Life Insurance
    This is an agreed sum of money that is paid to the beneficiaries of a ‘life insured’, upon the death of the life insured. It is used to help ensure your family are able to maintain their financial position.
  • Trauma or Critical Illness Insurance
    This insurance provides the life insured with a cash lump sum if diagnosed with a particular medical condition, as listed in the policy wording. This can include, but is not limited to cancer, heart attacks, stroke and paralysis.
  • Total and Permanent Disability Insurance
    TPD insurance is designed to provide you with a lump sum of money if an event occurs and you are unable to work again through total and permanent disability.

 

Business and Corporate Strategies


In conjunction with establishing partnerships with our ‘Personal’ clients, BIS Consultants also specialises in working with owners of small businesses (including builders) to identify and meet their financial goals.

Some of the strategies we can offer include insurance (income protection and business expenses), tax strategies and other small-business orientated solutions.


  • Income Protection Insurance
    Insurance whereby if you are injured or become sick in a way that prevents you from fulfilling your employment duties, an ongoing benefit can be paid to you. This benefit can be up to 75% of your income and is based on your previous income history. This will either be of a fixed value (Agreed Value) or based on your previous two years worth of income (Indemnity).
  • Business Expenses Insurance
    If you are self employed and become totally and permanently disabled, business expenses insurance will provide money for fixed expenses, and enable your business to continue.

 

Dean Bassi AFPA Dip FP, CFP ®
Business Insurance & Superannuation Consultants Pty Ltd
ABN 94 008 094 997
Trading as B.I.S Consultants
Authorised Representatives
Insurance Broker Representatives of Apogee Financial Planning Limited
Australian Financial Services Licensee
Register Office at 105 - 153
Miller Street North Sydney NSW 2060