What to do if I leave Harmers ?

When you leave the Firm there are some choices and decisions that require your attention.

Horizon is the appointed Financial Advisor to both the Firm Superannuation Fund and Group Salary Continuance Plan.

Horizon has created a checklist to assist you with some decisions that require your attention.

CHECKLIST

Superannuation

  1. Please note that if you join another Firm, you may find that your new employer has its own fund. You need to determine the level of Life Cover and TPD that is on offer. You may wish to take up cover with this new Superannuation Fund.
  2. In the event that you take out insurance with the new Superannuation Fund, you should consider cancelling your insurance with your existing fund to avoid paying premiums on both policies. We suggest that you seek professional financial advice before making any decisions. In this regard Horizon can assist you.

Income Protection

You have the option of rolling your Firm Salary Continuance Cover to an individual policy so as to retain your existing benefits. In this regard you have 60 days from the date of leaving the Firm to exercise your continuation option. Please note that certain conditions apply.

Please contact Horizon Wealth Management if you need

  • Insurance quotes or to increase your Life and TPD cover
  • Assistance with exercising the continuation option on the Salary Continuance Plan
  • Personal financial advice
  • Investment Advice – choosing your investment options
  • Assistance with planning for retirement

Ph: Horizon Wealth Management on 02 9392 8700 or info@horizonwealth.com.au

General Advice Disclaimer

This document is not meant to replace or contradict the PDS (Product Disclosure Statement). You are advised to read the PDS should you wish to obtain the full meaning of any terms or benefits noted above.

This information was prepared by Horizon Wealth Management. It is of a general nature and does not take into account your personal investment objectives, financial situation or particular needs. You should assess whether this general advice is appropriate to your individual objectives, financial situation and needs. You can make this assessment yourself or seek the help of a professional financial advisor or taxation professional.