Create a financial safety net

How are you reducing risks?

  • You don’t have an ‘exit strategy’
  • If you had to stop working, you wouldn’t be able to provide for very long
  • You don’t know if you have enough to meet short term unexpected costs
  • You have debts and investments but haven’t really planned for anything going wrong
  • You or your partner would leave a huge financial hole if you couldn’t work or passed away
  • You haven’t got enough assets or passive income now or for retirement

How We Help

  • Profile your risk and ensure you know your options
  • Create a plan to build assets so you can self-insure
  • Find cost effective and tax efficient insurance options
  • Identify appropriate levels of Income Protection, Life, Trauma and Total and Permanent Disablement insurance
  • Utilise superannuation to make your insurance cash flow effective and reduce out of pocket expenses
  • Make room in the budget to build emergency funds
  • Keeping enough cash at hand to pay for unexpected emergencies.

Things To Consider

  • It will take some time to build enough assets to be able to self insure and create a passive income. Until then, pass on the risk to an insurance company
  • Most Australians will not leave their family enough money if they were to pass away unexpectedly
  • People who are disabled are more likely to get divorced which is largely due to partner care and financial strain.
  • Protecting your income is more important than protecting your car

Need help with your finances?

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My experience with Kris has been a really good and professional one. Kris has been thorough, detailed, and put everything into simple terms for me to understand. Kris has helped me put things in place that I wanted to achieve. The standout for me is Kris’ knowledge in the areas that I needed help with, and the way that he explained everything for me to understand. I’d give Kris 5 stars.


My experience with Kris and Wealtheon has been fantastic. Kris has a really good, personal approach to things. He put in a lot of effort to make it as easy as possible for me, such as having meetings at times that worked for me. I’d definitely give Kris 5 stars.


Our experience with Kristopher has been excellent so far with excellent service. The standouts for us are the overall customer service, the attention to detail, how nothing was too much trouble and how Kristopher worked in with us especially regarding meeting times. We now feel confident about our finances and insurances and our financial future. We would give Kristopher 5 stars.

Tamara & Tony Junger

At the start of working with Kristopher I was so stressed and had been burnt badly in the past, so trusting anyone with my finances was very difficult. Kristopher was able to put everything into place, so I knew that I was on the right path and could ease off and reduce my stress. My standout is simply how thorough Kristopher is, you say something and even if you’ve forgotten it, he will remember and bring it up to discuss. You never feel like you’ve forgotten anything or skimmed over it when you get out of a meeting with him. You could casually mention at the start that you really want to get XYZ done, then forget, then later he will bring it up, address it and account for your goal, no matter how small. I have felt really heard and listened to throughout this process, and Kristopher made sure it was easy for me to understand. Kristopher has been so thoughtful the whole way through, and incredibly trustworthy. Trusting was very difficult for me in the beginning, and Kristopher has made that easy. I would give Kristopher 5 stars.


Kris has been very helpful. He is easy to get along with and communicate with. We would give Kris and Wealtheon 5 stars.

Jodie Brown

Kris has been so helpful to us. He is extremely professional and easy to get along with. He tailored advice specific to our needs. We were unaware of the aspects of financial freedom and now through the changes, we have made are excited for the years ahead. We are certain seeking financial advice through Kris was the best decision for our family’s future. Thank you Kris!

Aleesha, Cannonvale