The Empty chair! If something happens to you what would happen to the ones you love?

If you're like many Australians, you probably haven't planned for what happens if you unexpectedly die or become permanently ill or disabled.

When you stop to think … How will my debts be paid? What will happen to my dependent children, my ageing parents, my animals? What about my property, superannuation and money held in banks, trusts and other investments? You realise the need to grant Power of Attorney and having a will is important but other things also need to be considered, especially if you provide your family's main income or you own a business.

If you haven't accounted for everything and made it clear who gets what and when, then it could take time to settle your estate and add another level of anxiety, stress and grief at an already heartbreaking time. It could also mean unexpected issues for your family or business partners, potentially causing unnecessary trouble between loved ones and delays in accessing your money, or the proceeds being paid to the wrong people.

You want to be confident that decisions about your estate are entirely in your hands.

The Estate Planner is an online tool that can help you take full control of your estate. It's a checklist and action plan, all in one. The tool asks you a series of questions about your situation which you answer with a simple point-and-click. Then you get a report with suggestions of the practical steps to take to put your estate in order.

The Estate Planner has been provided totally at our cost. It takes less than 15 minutes of your time and it gives you peace of mind that important issues have been thought of. The decision to go any further is then entirely up to you.

As your financial adviser, we at ToppTunbridge get a copy of the report to update your file so if you wish to discuss your options or take any of the suggested actions, we can help. If you are not an existing client we are still able to assist as your report will be sent to us and we can be available to answer any questions you may have.

Your information will only be shared with your permission and only with others if it's needed for your future plan.

Make sure that the most important people in your life are looked after in the right way at the right time.

Now's a good time to put your plan in place, and the Estate Planner is a quick and easy way to start. To get your report please call our office and we will provide you with a link.

We look forward to working with you to ensure your Estate Planning needs are met. Should you have any questions, we can be contacted at:

P: 03 9935 5233 F: 03 9935 5966

Melbourne CBD office:

Normanby Chambers

Suite 203 / 430 Little Collins St MELBOURNE 3000

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Topp Financial Services Pty Ltd, ABN 69 112 041 219

Corporate Authorised Representative No. 1237331 of Capstone Financial Planning Pty Ltd. ABN 24 093 733 969. Australian Financial Services Licence No.223135.

Lauren Topp Authorised Representative No. 253451


Tunbridge Risk Services Pty Ltd, ABN 62 890 153 599

Corporate Authorised Representative No. 1277793 of Capstone Financial Planning Pty Ltd. ABN 24 093 733 969. Australian Financial Services Licence No.223135

Nick Tunbridge Authorised Representative No. 260830

T/As ToppTunbridge

Normanby Chambers, Suite 203/430 Little Collins Street, Melbourne, VIC 3000

t: (03) 9935 5266 e:

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Level 14, 461 Bourke St, Melbourne VIC 3000

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