Financial commitment and calculated risk.

But as your business grows, so can your exposure.

Your income, family lifestyle, business debts and long-term wealth may all depend on one important asset:

You.

At Twenty20 Risk Navigators, we help entrepreneurs identify the risks that could derail what they’re building — and put strategies in place to protect against them.

[Talk to Us About Your Risk Strategy]

Entrepreneurs spend their lives managing risk — customers, staff, cash flow, suppliers, competition and growth.

But what happens if illness or injury takes you out of the business?

Would your family be financially secure? Could business debts still be paid? Would the business survive without you or another key person?

And if you have business partners, what happens to your ownership if one of you dies or becomes permanently disabled?

As your business becomes more successful, the financial consequences can actually become greater.

You may have personally guaranteed business debt, borrowed against personal assets, built a team that relies on you or created a business where a significant amount of its value is connected to you.

At the same time, your family may be relying on the income and wealth that business creates.

A personal health event can quickly become a business continuity, cash-flow, ownership and family wealth problem.

These are questions that are much easier to answer before something goes wrong.

Twenty20 Risk Navigators helps you understand where the real financial exposures exist and determine which risks you can comfortably retain, manage or transfer through insurance.

Your strategy may consider:

Protecting You & Your Family

Life Insurance • Total & Permanent Disability • Trauma / Critical Illness • Income Protection

Helping protect your income, family lifestyle, personal debts and future financial commitments if illness, injury or death interrupts your plans.

Protecting Your Business

Business Debt Protection • Key Person Insurance • Buy/Sell & Succession Funding

Helping protect business liabilities, cash flow and ownership arrangements if something happens to you, a business partner or another person critical to the business.

Protecting Your Future Wealth

Entrepreneurs often focus on protecting what they already own. But your ability to continue creating wealth may be considerably more valuable.

Someone earning $300,000 per year with another 20 working years ahead potentially has $6 million of future income before allowing for growth.

Protecting your ability to keep building can therefore be just as important as protecting what you have already accumulated.

We don't believe the objective is simply to buy insurance and keep it forever.

Your insurance should reflect the financial risk that exists today while recognising that your circumstances will change.

Debt reduces. Wealth builds. Children become independent. Businesses mature. Superannuation grows.

As your ability to financially absorb risk increases, your reliance on insurance may reduce.

Good insurance advice should therefore include an eventual exit strategy from the insurance itself.

And because entrepreneurs' financial lives rarely exist in isolation, our support doesn't have to stop with insurance.

Through Twenty20 Risk Navigators and our Professional Partner Network, we can connect you with specialists across wealth advice, estate planning, accounting, general insurance, property and finance.

Our job isn't to eliminate every risk or insure every possible scenario.

It's to help you understand:

What could materially hurt your family?
What could materially hurt your business?
What could materially affect the future you're building?

Then help you decide what to retain, what to manage and what may be worth protecting.

You focus on building the business.

We’ll help you navigate the risks around it.

[Book an Initial Conversation]

Twenty20 Risk Navigators
Navigate the risk. Protect what you're building.