Navigate Finance and Wealth Pty Ltd

Navigate Finance and Wealth Pty Ltd We are finance brokers and financial planners who assist our clients with all types of requests.

Navigate Finance and Wealth is a financial planner and finance broker in Townsville. Our Finance services include personal loans, home loans, investment loans, mortgages, commercial finance, asset finance, equipment finance and business loans. We also specialise in finance for health and allied health professionals, with access to a broad range of specialist medical financiers. Our financial advis

ory services include financial planning, financial advice, retirement planning, SMSF advice and much more. While we’re based in Townsville we service the whole of North Queensland, with a particular focus in Townsville, Hyde Park, Currajong, Mundingburra, Rosslea, West End, Castle Hill, Heatley, Annandale, Kirwan and all surrounding areas.

13/05/2025

Are You and Your Family Protected?

It’s now been 7 years since I launched Navigate Finance and Wealth, and one of the cornerstones of our business has always been about so much more than just loans.

Yes, we help clients secure finance to buy their homes, cars or invest in businesses, but just as importantly, we also offer guidance across broader financial interests - like superannuation and life insurance.

Most of our clients are between the ages of 25 and 55, with children (or planning to have them), and a sizable mortgage. They’ve spent years saving a deposit, building their dreams - and often, they’re only one unexpected event away from serious financial stress.

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Why We Have Certain Conversations with Clients

Let me share a real story (names changed for privacy) that highlights why these conversations matter.

Case Study: Mr & Mrs X

They first came to me around 4 years ago, both in their 40s, with kids and a fairly typical setup:
• A $400k mortgage
• A car loan
• Everyday expenses (school fees, utilities, groceries, house insurance)
• Around $130k in super for Mr X, and $170k for Mrs X
• Minimal life and income protection cover

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The Event: Breast Cancer

In March 2025, Mrs X was diagnosed with breast cancer requiring invasive surgery and a long recovery.

Mr X reached out to see if they had any income protection options, as Mrs X had limited sick and annual leave available.

Thankfully, due to a conversation we’d had years earlier, the following cover was already in place:

✅ Critical Illness Cover – A $175,000 lump sum was paid directly into their account within 24 hours of lodging the claim
✅ Income Protection Insurance – Mrs X is eligible to receive up to 70% of her income for 12 months (~$85k total). The insurer has even arranged a dedicated return-to-work advisor.

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The Impact

While the diagnosis was devastating, the financial relief was immediate.
• The lump sum will help cover medical bills and a much-needed family holiday.
• The ongoing payments mean they can keep paying the mortgage, bills, and school fees without worrying about cashflow.

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How Can We Help You and Your Family?

Having a financial safety net in place can make all the difference in times of crisis.

If you’d like myself or Michael to conduct a complimentary review of your financial position - including superannuation, insurance, and other key areas - please don’t hesitate to reach out.

Let’s make sure you and your family are protected, no matter what life throws your way.

Address

20 Westbourne Street Hyde Park
Townsville, QLD
4812

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+61439524419

Website

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