Personal Risk Insurance

Grad Cert BA, JP

Brad has been advising Cutcher & Neale clients since 2014 when he set up the specialist Risk Insurance division for the firm, working as an employed in-house broker.

He works predominantly with our Medical and Small to Medium Enterprise (SME) clients assessing their specific needs, then developing appropriate strategies to mitigate personal financial risk should they become ill, injured or deceased.

The types of insurance considered normally includes Critical Illness (Trauma) Cover, Income Protection, Total & Permanent Disability Cover, Term Life and Business Expenses Cover.

When insurance relating to a business owners health and ongoing capacity is to be considered, Brad also collaborates with the clients and Partner of the firm to ensure the relevant policy types and structure are implemented. This includes business succession planning, Debt Protection and Key Person insurance requirements.

Outside of work Brad is a family man, a fairly average golfer and enjoys watching live local rugby during winter when time permits.

BEcon, BBus, DipFP

Justin joined Cutcher & Neale Investment Services in 2020. He holds a Graduate Diploma of Financial Planning, Bachelor of Business and a Bachelor of Economics, achieving two awards for academic excellence at university.

Justin also holds a Diploma of Financial Planning and is currently studying to complete his Masters of Financial Planning. Justin has 7 years’ experience in the Financial Services industry, having worked at various locations across the country.

Justin has a down to earth, honest and practical approach to advice. He enjoys building long term relationships with clients and helping them to navigate the complexities of the financial industry.

Jason joined Cutcher & Neale Investment Services in 2021.

He holds a Bachelor of Business from The University of Newcastle, along with ASIC accreditation encompassing Risk Insurance Brokerage and is in the final stages of completing a Graduate Diploma of Financial Planning.

Jason has 4 years’ experience in the Financial Services industry, having worked at various locations across the country. He has a comprehensive technical knowledge of risk insurance and looks forward to working closely with clients to develop tailored strategies to protect their financial exposure.

BEc Grad Dip AppFinInv Dip FP Sip SM

Janelle joined Cutcher & Neale Investment Services in 2020 as a paraplanner.

Janelle has over 25 years of experience working in the financial services industry, across a range of superannuation, life insurance and paraplanner roles.