What we exist to do
Australia’s administrative and financial landscape is unfamiliar to many newcomers and offshore business owners. Forms, identifiers, disclosure documents and professional roles do not always translate directly from other jurisdictions. Our work is to reduce uncertainty before you commit to structures, providers or products — so your next conversation with a government agency, lawyer, accountant or AFSL licensee is informed rather than reactive.
We do not compete with licensed advisers on product recommendations. We prepare the ground: explaining how livelihood services fit together in the first years of residence, how Australian business registration and ongoing obligations are commonly approached, and how the Corporations Act and financial services law distinguish information, general advice and personal advice. When your circumstances require regulated personal advice, we facilitate introductions with your consent and document the handover.
Crows Nest office
Consultations run from Level 2, 37–43 Alexander Street, Crows Nest NSW 2065 — in person, by phone or video. National clients use the same intake and documentation standards as local households. We do not maintain a network of storefronts; appointments are required — see Contact for hours.
Consulting is useful only when roles are clear. We name when a matter belongs to a migration agent, legal practitioner, tax agent or AFSL licensee — and we do not absorb work that sits outside our licence.
What we are not
We are not a migration agency and do not lodge visa applications. We are not a law firm and do not prepare company constitutions, trust deeds or contracts. We are not a tax practice and do not lodge BAS or income tax returns. Unless separately disclosed in writing for a specific matter, we are not the holder of an Australian Financial Services Licence; product advice and issuance remain the responsibility of the licensee to whom you are introduced.
Clients sometimes assume that a firm with “insurance” in its name sells policies directly. In our case, the name reflects historical branding and the reality that many referral pathways involve risk and protection products discussed with licensees. Our day-to-day work is broader: settlement, cross-border entry and regulatory literacy, with referrals where appropriate.
Who we serve
Our consulting is designed for new migrants building a life in Australia, Hong Kong and Macau business owners entering or operating in the Australian market, and families or SMEs who want clearer understanding of financial services before engaging licensed advisers.
Client profiles
New migrants and families
Individuals and households establishing residence who need structured orientation on Medicare, tax file numbers, banking, schooling, transport and consumer protection — without receiving personal product advice from us.
Greater China businesses
Entrepreneurs and SMEs from Hong Kong and Macau evaluating or operating in Australia who require orientation on registration pathways, governance expectations and coordination with local professionals.
We also support Australian SMEs and professionals who want regulatory context before engaging licensees for insurance, superannuation or investment matters. Every engagement begins with scope confirmation so you know whether we can assist consulting-only or should proceed directly to a licensee.
How we work with licensees
- Scope and consent — We confirm whether your matter is consulting-only or requires referral, and obtain written consent before sharing contact details with a third-party licensee.
- Preparation — Where helpful, we assist with document readiness so your first licensee meeting is productive (see our Compliance Readiness service).
- Introduction — We introduce you to an AFSL holder or authorised representative whose authorisations appear aligned with your stated needs — without guaranteeing product outcomes.
- Handover — The licensee provides Financial Services Guide, Product Disclosure Statement and personal advice where applicable. Our role does not continue into product implementation unless separately agreed as consulting support.
Consumer protection and our standards
Australian financial services law exists to ensure competence, disclosure and fair dealing. We educate clients on why licensing matters, what to expect in FSG and PDS documents, and how to raise concerns with ASIC or AFCA if something goes wrong with a licensee. We maintain internal records of consultations and referrals consistent with privacy obligations and anti-money laundering awareness where relevant.
Referral arrangements with licensees, where they exist, are disclosed in line with applicable requirements. You are never obliged to proceed with an introduced provider. If you already have a licensee, we can limit our work to consulting-only without referral.
Nothing on this website or in a preliminary consultation constitutes personal financial product advice from Wealth Insurance. Seek licensed advice before acting on product-specific decisions.
Engagement economics and transparency
Consulting fees are quoted before substantive work. We do not quote insurance premiums or investment returns. Where referral benefits exist with licensees, they are disclosed before you proceed. You may request consulting-only files without any referral — many clients do.
Continuous improvement
We update internal checklists when ASIC releases regulatory guides relevant to education topics, when banks change KYC checklists materially, and when client feedback identifies recurring confusion (for example, Medicare waiting periods for particular visa subclasses). Past clients are not automatically re-contacted unless they hold an active engagement or subscribe to permitted educational updates.
To understand how we structure engagements, read Our Approach. For licensing boundaries and referral standards, see Compliance & Licensing. To discuss your situation, contact us or request a quote.