Superannuation (inc SMSF)

Whether you need to simply consolidate your superannuation or are interested in a self-managed fund, our superannuation experts can answer all of your questions.

The Forster and Taree Financial Management teams at TJL can help you with your self-managed super fund. We can aid you with your investments within the fund or help with all your administration and reconciliations as well as annual tax returns, audits and investment reports.

Superannuation and pension rules are regularly changing and you will need your plan to be flexible. Having expert advice in this area is invaluable.



Wealth Creation

Wealth Creation is very different to what your standard Financial Planner offers.

We utilise a holistic approach, combing various strategies such as tax, investments and debt to help you reach your financial and lifestyle goals.

It won’t happen overnight, but if you see Justin and the team, we can pave the way for a comfortable future and early retirement!

Debt Reduction

We all need debt at points in our lives.

Whether it is paying off a mortgage, credit card or HECs debt, we all want to be able to pay it off sooner and reach our savings goals. Managing and eradicating debt can be tricky. The Taree and Forster Financial Management teams at TJL can work with you to create a plan unique to your circumstances to help you get ahead.



Retirement Planning

The TJL Financial Management team can help you prepare for retirement by ensuring you can maximise your superannuation benefits and increase your tax free income!

We can tailor a financial plan for your situation whether you want to retire tomorrow or in 5 years. We can also help you establish a Transition to Retirement Strategy or assist you with reviewing your existing retirement plan.

Personal & Business Insurance

Term Life

Term Life Insurance provides a lump sum benefit in the event of Death or diagnosis of a Terminal Illness where the insured life expectancy is not greater than 12 months. The appropriate level of sum insured should be calculated taking into account your assets, liabilities, related final expenses and income requirements of any surviving spouse and/or children.

Total and Permanent Disability

Total and Permanent Disablement (TPD) contracts are normally attached to Term Life policies and pay a lump sum on the Total and Permanent disablement of the insured. Partial payments may generally be offered for partial disablement.

Trauma/Critical Illness

Trauma Insurance provides a lump sum in the event of serious trauma including, but not limited to, heart attack, cancer and stroke. Trauma Insurance relieves the financial burden that a serious illness can cause on persons. The proceeds can be utilised in a manner you see fit and can offset expensive medical bills and provide an income stream to compliment Income Protection payments while you recover.

Income Protection

As our income is generally seen as our biggest asset, it is extremely important that this asset is protected. Income Protection is designed to replace income in the event of illness or accident. The maximum permissible cover is typically 75% of personal exertion income (including superannuation contributions). The waiting period is the period of time that must elapse before a claim is payable. Payments are made monthly in arrears after the end of the waiting period. The available waiting periods are generally 30, 60, 90, 365 or 730 days. Sick leave entitlements should be taken into account in deciding the appropriate waiting period. Premiums are usually tax deductible and any benefits payable form part of your taxable income.

Business Expenses

Business expenses is designed to cover business owners share of the fixed expenses of their business if they are unable to work. The amount eligible for this cover is dependent on the allowable Business Expenses as outlined in the Product Disclosure Statement (PDS) of the insurer. The benefit period is usually restricted to a maximum of 12 months and the available waiting periods include 30,60 and 90 days.

Key Person

To provide the business with sufficient cash to preserve its asset base, i.e. to repay or reduce debt, free up cash flow and maintain its credit standing. upon death, disability of critical illness of the business owner/key person. This is also to provide the business with sufficient cash to compensate for the loss if revenue and replacement costs.

Buy-Sell Cover

To provide the outgoing owner or his/her nominee with sufficient cash for the transfer of equity to the continuing owners, upon the death, disability and possibly critical illness of a business owner.


The information on this site is not advice and is intended to provide general information only. It does not take into account your individual needs, objectives or personal circumstances. You should consider seeking independent legal, financial, taxation or other advice to check how the website information relates to your unique circumstances.

TJL Financial Management Pty Ltd

Corporate Authorised Representative of Henderson Matusch Pty Ltd

ABN 32 107 343 091

AFSL & Australian Credit Licence No. 274484