Silvan Ridge Wealth

Silvan Ridge Wealth Having the finances to support your interests and goals provides peace of mind and space to enjoy life. We can provide expert advice at every stage.

Silvan Ridge Financial Services was established in 1988. With over 80 years combined experience, Silvan Ridge has been providing financial planning advice to the people of Warrnambool and District, and many clients now throughout Australia. At Silvan Ridge we pride ourselves on customer service and our ability to provide a broad range of insurance and investment options through an extensive networ

k of companies. Silvan Ridge invites you to take advantage of our obligation free financial situation analysis. We will work with you to structure an appropriate financial strategy to meet your needs, for today and the future. Silvan Ridge Insurance Consultants Pty Ltd (ABN 16 061 527 130, ACN 006 688 562) as trustees for Silvan Ridge Insurances Trust trading as Silvan Ridge Wealth is an Authorised Representative (Authorised Representative number 428639) of Charter Financial Planning Limited; ABN 35 002 976 294 Australian Financial Services Licensee and Australian Credit Licensee; Licensee No: 234665.

Wondering where your money's going? You might be surprised at how much is being leaked on subscriptions, especially the ...
03/09/2026

Wondering where your money's going? You might be surprised at how much is being leaked on subscriptions, especially the ones you'd planned to cancel within the trial period.

Here's your friendly reminder to check your bank statement and do a stocktake of whether you actually need each and every one of these subscriptions.

Even a $39 subscription is $468 over the course of a year, and it makes sense you'd keep this money in your pocket, rather than donate it to someone else.

When deciding what to keep and what to cancel, work out the cost per use to get a good gauge on whether it's worth it.

There's been talk in recent years about the fact Australia will soon face the largest intergenerational wealth transfer ...
31/08/2026

There's been talk in recent years about the fact Australia will soon face the largest intergenerational wealth transfer in history.

Seems a bit morbid, doesn't it? But that might be the problem - no one wants to talk about it.

Over half of us don't have a will, yet hope that our children will invest their inheritance wisely.

Time to get talking to our families about money!

One of the most common misconceptions about income protection is that the tax deductibility makes it 'almost free.' It d...
28/08/2026

One of the most common misconceptions about income protection is that the tax deductibility makes it 'almost free.' It doesn't – but it does reduce the real cost meaningfully. On a marginal tax rate of 37%, a $3,000 annual premium effectively costs around $1,890 after tax.

Understanding the tax treatment of each policy type helps you structure your cover in the most cost-effective way. Let's talk through what that looks like for you.

Most people pick a life insurance figure based on what feels like 'enough.' Very few have actually done the calculation....
26/08/2026

Most people pick a life insurance figure based on what feels like 'enough.' Very few have actually done the calculation. The real number is the sum of everything your income currently services – your mortgage, your family's living costs, your children's education – over the time period your family would need it.

For families with young children and a mortgage, that figure is often significantly higher than their current cover.

Ask us to run the numbers with you.

Income protection is one of the most customisable insurance products available – which means the version you have might ...
24/08/2026

Income protection is one of the most customisable insurance products available – which means the version you have might look very different from the version you need.

A 90 day waiting period sounds manageable until you're three months into a recovery with no income.

A two year benefit period sounds long until you're diagnosed with something that takes longer. The structure of the policy matters as much as having one. Let's review yours.

24/08/2026

💰 Could a few small changes save you thousands on your mortgage?

With interest rates remaining on hold, now could be a good time to check whether your home loan is working as efficiently as possible.

In this week’s video above 👆, Carina shares three simple strategies that could help reduce the interest you pay and potentially get your mortgage paid off sooner:

✅ Match your repayments to your pay cycle
✅ Make your savings work harder
✅ Review your interest rate

A few small changes now could make a big difference over the life of your loan.

An insurance review isn't about selling more cover – it's about making sure what you have still fits your life.Policies ...
22/08/2026

An insurance review isn't about selling more cover – it's about making sure what you have still fits your life.

Policies taken out five years ago were designed for the version of you that existed then. Your income has likely changed.

Your debts, your family, your assets – all different. The review is complimentary. What it finds might not be. Book yours today.

Premium structure is one of the most financially significant decisions in a life insurance policy – and one of the least...
19/08/2026

Premium structure is one of the most financially significant decisions in a life insurance policy – and one of the least discussed.

Stepped premiums look attractive at 35. By 55, the same policy can cost three to four times more. Level premiums cost more upfront but provide far greater certainty for long-term holders.

If you're planning to hold cover until retirement, the cumulative difference in premiums can be substantial. Worth modelling before you decide.

Non-disclosure doesn't have to be intentional to void a claim.If information that was material to the insurer's decision...
17/08/2026

Non-disclosure doesn't have to be intentional to void a claim.

If information that was material to the insurer's decision to offer cover wasn't included at application, the policy can be treated as if it never existed.

Most people assume their income protection covers them through a serious illness.And it does – up to a point. What incom...
14/08/2026

Most people assume their income protection covers them through a serious illness.

And it does – up to a point. What income protection doesn't cover is the immediate financial hit of diagnosis: the out-of-pocket specialist costs, the mortgage payments while you're waiting on leave entitlements, the home modifications, the second opinions. Trauma cover exists for exactly that window.

It pays a lump sum on diagnosis of a specified condition – giving you financial breathing room at the moment the news arrives, rather than weeks or months later. Ask us whether trauma cover belongs in your risk strategy.

Address

132A Lava Street
Warrnambool, VIC
3280

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4pm

Telephone

+61355597111

Website

Alerts

Be the first to know and let us send you an email when Silvan Ridge Wealth posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category