Expert Life Insurance Advice
Helping our clients through different stages of life and safeguarding the most important assets: you, your family, and your business.
About Oracle Advice
Oracle Advice is a boutique advice practice located in the heart of the CBD on Collins St, specialising in the provision of personal and business insurance advice to individuals and businesses across Australia. Oracle Advice was founded with a vision of working closely with our clients and life insurance companies to deliver exceptional, personalised insurance solutions that are second to none.
Our Services
Our clients are our top priority, and we're always here when you need us the most. We understand that choosing the right insurance can be overwhelming. That's why we're here to provide expert advice and help tailor the right insurance solution for you, your family and your business.
We will set up the insurance covers and continue to review it year on year to ensure your coverage is still relevant and meets your needs and circumstances.
Or if you have an existing life insurance policy with an insurer or within your superannuation, and need assistance understanding your coverage and options, or would like to review your policy, please contact us.
We would be more than happy to set up a meeting to help you with your life insurance policies.
We will set up the insurance covers and continue to review it year on year to ensure your coverage is still relevant and meets your needs and circumstances.
Or if you have an existing life insurance policy with an insurer or within your superannuation, and need assistance understanding your coverage and options, or would like to review your policy, please contact us.
We would be more than happy to set up a meeting to help you with your life insurance policies.
Personal Insurance Advice
Insurance cover designed to protect you, your family, your lifestyle and legacy so you can focus on living your best life now and fulfil your dreams and aspirations for you and your family in the event of illness, injury or death. It can provide you with a lump sum and/or an income stream when you need it the most.
Personal insurance cover is essential for mitigating financial risks and ensuring peace of mind and safety net in the face of unforeseen events.
Types of personal insurance:
• Life Insurance - Death Cover and Terminal Illness
• Total and Permanent Disability (TPD) Insurance
• Trauma or Critical Illness Insurance
• Income Protection Insurance
Personal insurance cover is essential for mitigating financial risks and ensuring peace of mind and safety net in the face of unforeseen events.
Types of personal insurance:
• Life Insurance - Death Cover and Terminal Illness
• Total and Permanent Disability (TPD) Insurance
• Trauma or Critical Illness Insurance
• Income Protection Insurance
Business Insurance Advice
Insurance cover designed to protect a company against financial losses that may occur if a key individual within the organisation or business owner dies or becomes permanently disabled or suffers a trauma event.
Types of Business Insurance Cover:
• Keyman Capital and Revenue Protection
• Ownership Protection with Buy-Sell Agreement (Business Will)
• Business Expense Protection
Types of Business Insurance Cover:
• Keyman Capital and Revenue Protection
• Ownership Protection with Buy-Sell Agreement (Business Will)
• Business Expense Protection
Insurance Review and Claims Management
Review
It’s important to review your existing insurances at least once a year and ensure the cover is still relevant and meets your needs and objectives and circumstances. It’s never a good thing when you are over or underinsured. A review will help you appreciate and understand the covers you have, identify gaps and research and confirm that you are getting the best value and cover for the premiums you are paying and provide you with peace of mind.
Claims Management
If you ever need to make a claim, we are here to help you with your claims and follow through to completion until it is paid. We will work closely with medical professionals and claims case managers with the various insurers to ensure you get the best possible outcome and speedy claims.
It’s important to review your existing insurances at least once a year and ensure the cover is still relevant and meets your needs and objectives and circumstances. It’s never a good thing when you are over or underinsured. A review will help you appreciate and understand the covers you have, identify gaps and research and confirm that you are getting the best value and cover for the premiums you are paying and provide you with peace of mind.
Claims Management
If you ever need to make a claim, we are here to help you with your claims and follow through to completion until it is paid. We will work closely with medical professionals and claims case managers with the various insurers to ensure you get the best possible outcome and speedy claims.
Estate Planning
You want to ensure that the hard work and wealth you have accumulated over the years are passed down to the next generation smoothly, avoiding any unnecessary stress and financial hardship for your loved ones and family. An Estate Plan may inlcude:
• A Will and Guardianship of your children
• Superannuation binding nominations
• Establishment of trust - charitable or family
• Enduring Powers of Attorney - Financial or Medical or both
• A Will and Guardianship of your children
• Superannuation binding nominations
• Establishment of trust - charitable or family
• Enduring Powers of Attorney - Financial or Medical or both
Collaboration
We work collaboratively with advisers and professionals in the financial services and legal services industry for clients' broader long-term needs and tailor solutions specific to their needs:
• Wealth Management
• Super, Investments and SMSF
• Retirement Planning
• General Insurance
• Estate Planning
• Lending and Finance
• Accounting and Taxation
• Real Estate
• Wealth Management
• Super, Investments and SMSF
• Retirement Planning
• General Insurance
• Estate Planning
• Lending and Finance
• Accounting and Taxation
• Real Estate
Peace of mind for a brighter future
Background, Experience and Expertise
Thomas Joseph - Principal Risk Adviser and Director
Qualification and Membership:
Fellow Chartered Financial Practitioner (FChFP),
BA Hons Acc & Fin, Diploma of Financial Planning (DFP), FASEA , FAAA Practitioner Member
Professional background
Thomas has over 20 years’ experience in the financial services industry and has been providing tailored Risk advice to high-net-worth individuals, professionals and SMEs over the years. His experience is varied and includes several different roles in manufacturing, IT, Banking and Insurance.
Thomas completed his degree in Accounting and Finance in 2001 and completed the Fellow Chartered Financial Practitioner (FChFP) professional designation in 2017. He started his career as a management accountant and worked for several multi-national companies and later transitioned to become a financial adviser as he enjoys helping people make good financial decisions.
Thomas has served in similar roles at AIA Malaysia, Royston Capital, NAB Financial Planning, MLC Advice, Bridges Financial Services and Findex as Business Protection Specialist and Senior Risk Adviser. Thomas is married to Joanna and is a proud father of two young adults Ash & Josh. Thomas’ outside work passion includes football and formula 1. He is a big fan of Liverpool Football Club and Red Bull F1 team. He is also an aviation enthusiast and is a regular volunteer at Avalon International Air show and enjoys volunteering and fundraising for a greater cause.
Thomas is committed to building long-term relationships with clients by providing them with appropriate professional advice and personal ongoing service
His personal mission: To glorify God by bringing hope, encouragement, and adequate protection into the lives of many.
Thomas's favourite quote by Zig Ziglar encapsulates his dedication and passion to serving his family, clients and the broader community: "You Can Have Everything In Life You Want, If You Will Just Help Enough Other People Get What They Want."
Fellow Chartered Financial Practitioner (FChFP),
BA Hons Acc & Fin, Diploma of Financial Planning (DFP), FASEA , FAAA Practitioner Member
Professional background
Thomas has over 20 years’ experience in the financial services industry and has been providing tailored Risk advice to high-net-worth individuals, professionals and SMEs over the years. His experience is varied and includes several different roles in manufacturing, IT, Banking and Insurance.
Thomas completed his degree in Accounting and Finance in 2001 and completed the Fellow Chartered Financial Practitioner (FChFP) professional designation in 2017. He started his career as a management accountant and worked for several multi-national companies and later transitioned to become a financial adviser as he enjoys helping people make good financial decisions.
Thomas has served in similar roles at AIA Malaysia, Royston Capital, NAB Financial Planning, MLC Advice, Bridges Financial Services and Findex as Business Protection Specialist and Senior Risk Adviser. Thomas is married to Joanna and is a proud father of two young adults Ash & Josh. Thomas’ outside work passion includes football and formula 1. He is a big fan of Liverpool Football Club and Red Bull F1 team. He is also an aviation enthusiast and is a regular volunteer at Avalon International Air show and enjoys volunteering and fundraising for a greater cause.
Thomas is committed to building long-term relationships with clients by providing them with appropriate professional advice and personal ongoing service
His personal mission: To glorify God by bringing hope, encouragement, and adequate protection into the lives of many.
Thomas's favourite quote by Zig Ziglar encapsulates his dedication and passion to serving his family, clients and the broader community: "You Can Have Everything In Life You Want, If You Will Just Help Enough Other People Get What They Want."
Contact Us
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Address
Level 3, 257 Collins St, Melbourne Vic 3000
Phone
+61 421 482 083ABN
28677586891
Operating Hours
Open Mondays to Fridays 8.30am - 5.30pm
We are closed on Sat and Sun and Public Holidays
Appoinments: In person or remote options
Can’t make it into our office? No worries - we’ve got you covered at your doorstep or at your office in person or remotely via Zoom or Teams video chat.
Our office is conveniently located at Level 3, 257 Collins St. A 5-minute walk from Flinders Station, Town Hall or Federation Square.
Our office is conveniently located at Level 3, 257 Collins St. A 5-minute walk from Flinders Station, Town Hall or Federation Square.
Disclaimer
This website contains general information only and has been prepared without considering your personal objectives, financial situation or needs. You should consult your own financial adviser before making any decisions. The information on this website does not constitute personal or financial advice.
Oracle Advice Pty Ltd ABN 28 677 586 891 is a Corporate Authorised Representative of Advocate Advisory Pty Ltd ABN 14 150 153 503 AFSL 405576
Oracle Advice Pty Ltd ABN 28 677 586 891 is a Corporate Authorised Representative of Advocate Advisory Pty Ltd ABN 14 150 153 503 AFSL 405576
https://www.advocateadvisory.com.au/privacy-policy