Reviews of Insurance

It can be seen that in Australia the importance of insurance is rising. However, in order to avoid unnecessary costs and determine the level of cover and policy period needed it is necessary to review insurance cover.

  • Life insurance
  • Accident insurance
  • Income protection insurance
  • Business insurance

Taxation services

We offer advice related to various tax issues, with knowledge and experience as a licensed tax consultant. From individuals’ income tax, to capital gains tax related to property sale, we assess various ways in which to legally reduce tax payments.

  • Income tax
  • Advantageous pension management
  • Stock dividends
  • Real estate profit
  • Business profit

Family Financial Management

We assist various families in improving their family finances and property management, and creating plans in order to understand the current situation and reach their future goals and dreams. When planning for a family’s financial future, it is important to prepare early for things such as children’s education costs, the repayment of home loans, and retirement funds. We believe in the importance of taking early measures to ensure results.

  • Finances after childbirth
  • Children’s education costs
  • Financing house purchases
  • Retirement and pensions

Investment and Property Investment

  • Stocks
  • Investment trusts
  • Bonds
  • Real estate investment
  • Term deposits
  • Inheritance


Insurance is an obvious need, to prepare for unlikely situations. However, as the level of cover increases so does the cost, meaning individuals may be paying for more than they need. Additionally, there are times when they do not have enough cover. We assist in considering what level of cover is appropriate and thus choosing suitable insurance. The general stages of choosing insurance are below:

  • Plan which insurance company to choose
    • Firstly, find what insurance is appropriate and define what the purpose of obtaining the insurance is
  • Necessary funds required
    • Determine how much the insurance will cost based on the individual’s goals
  • Necessary term
    • What time period is the insurance needed for?
  • Insurance payment
    • What amount must be paid and over what term?
  • Selection of appropriate cover
    • Which insurance type meets the various needs?

Insurance types

  • Life insurance
  • Accident insurance
  • Income protection insurance

Yasuhiro Kuramochi and YS Financial Planning are Authorised Representatives of Consultum Financial Advisers Pty Ltd ABN 65 006 373 995 AFSL 230323