Welcome - Countrywide Advice

Our Insurance Products.

LIFE INSURANCE.
Financial security for your loved ones
Life Insurance provides financial security directly to your loved ones. A lump sum benefit to your beneficiaries or estate in the event of your death, or diagnosis of a terminal illness.

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INCOME PROTECTION.
Financial protection if you’re unable to work
Income Protection gives you an alternative source of income if you are temporarily unable to work due to an illness or injury that has left you Totally Disabled or Partially Disabled.

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BUSINESS INSURANCES.
Protects the financial position of your business
Safeguard your business in the event of a key person’s death, disability or significant medical event. Includes Key Person Income Insurance.

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TRAUMA INSURANCE.
Provides a lump sum in the event of a trauma
The sum insured provides options in stressful situations, allowing you to reduce debt, pay for specialist medical requirements, house modifications etc.

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TOTAL & PERMANENT DISABILITY (TPD).
Additional benefis for Life/Trauma insurance
Provides a lump sum amount in case of illness or injury allowing you to reduce debt, house modifications and time to adjust to a new way of life.

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GENERAL INSURANCES.
Protect your life’s work
We have a strategic partnership and referral arrangement with Austbrokers Countrywide to provide general insurance for our valued clients.

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Our Financial Advice.

We can provide a range of strategies and solutions to work towards your goals.

Find out more about our Strategic Financial Planning

SUPERANNUATION PLANNING.
Take control of your future & retirement.
Ensuring that you understand your superannuation as part of your overall wealth management plan.

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RETIREMENT PLANNING.
Get the retirement you desire.
Helping you work through your retirement objectives and match them with financial strategies and products.

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CASH FLOW PLANNING.
Get control of your finances.
Improving your spending and saving habits, while positioning your finances for longer term growth.

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PERSONAL RISK MANAGEMENT.
Protect you and your family.
Provide security and peace of mind to your family and yourself.

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DEBT MANAGEMENT.
Get your debt under control
We can assist you with undertaking a stocktake of your current debt position (whether its credit cards, loans or mortgages).

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INVESTMENT PLANNING.
Start early, invest regularly and reinvest returns
Before you start investing, it pays to learn the basic principles. The more you know, the better off you’ll be. Find out about the five key principles to investing.

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ESTATE PLANNING.
Get the outcomes you desire.
We uncover your personal and financial situation and plan your estate planning goals and desires.

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AGED CARE ADVICE.
Know what to expect and structure correctly.
Aged care is a complex web of financial jargon and confusing forms. We’ll assist you in navigating this difficult time.

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CENTRELINK/GOVT. ASSISTANCE.
Receive and maximise your entitlements.
We can assist you planning ahead for maximising forms of social security including the age pension.

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MORTGAGE BROKING.
Ensure you have the best loan options.
Committed, passionate, educated and focused on providing you with the best home loan option to suit your specific needs.

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The Countrywide Advice Team.

incorporating Stuart Broadley and Associates

All of our advisers are fully qualified experts in personal finance and investment, with the necessary experience to ensure the best financial outcome for you. Our quality financial advice puts you in control.

We are committed to ongoing professional development and education to give you the most up to date technical knowledge and advice, specific to your needs. Our experience and specialist knowledge helps you make sense of all your options, so you can choose the best solution.

You can contact us at any time, particularly if any of your circumstances change. Our team is always available to talk with you.

Gary Decru

Adviser

About Gary

One of the founders of Countrywide Advice, Gary draws on 25 + years of experience in the insurance and financial services industry to help ensure that his clients are well protected and looked after.

Gary’s passion is playing both Tennis & Golf and you can often see him hitting of the tee in various exotic locations around the world

Strengths

Gary has been assisting business owners, professionals and their families protect their assets and livelihood for over 25 years.

Gary’s main goal is to educate and provide strategy that empowers clients to make informed decisions tailoring insurance protection suitable to their needs.

Expertise

Gary’s focus and specialties are in the areas of:

Business Insurance: – to SME’s
(Partnership Protection; Key- Person; & Loan Protection) –
Personal Insurance: to – Professionals and Self-Employed Business Owners
(Income Protection; Term Life & TPD; Trauma Insurance)
Group Insurance – to Large Corporations and Associations
(Income Protection; Term Life & TPD; Trauma Insurance)

Gary was formerly a Director of Austbrokers Countrywide Financial Services until branching out on his own and forming Countrywide Advice.

Qualifications

Gary gained his Bachelor of Business in Applied Economics and Marketing – BBus (AppEC&Mgt) from Deakin University in 1988 has a Diploma in Financial Planning. Gary is both a member of the Association of Financial Advisers ( AFA ) and Financial Services Institute of Australasia ( FINSIA )

Duncan Murray

Adviser

About Duncan

Duncan is Countrywide’s Senior Financial Planner and has over 7 years’ experience in the financial services industry.

Duncan loves to spend time with his family and friends, in particular those of the four pawed variety, namely his dog Lucy!

Strengths

Duncan is highly committed to helping his clients take the uncertainty out of their future by providing well-researched and highly analysed strategies, for both current financial decisions as well as future retirement planning. This allows his clients to make educated, rational decisions based on fact and not emotion.

Expertise

Duncan’s specialties lie in the areas of:

Financial Planning;
Superannuation and retirement planning;
Providing insurance advice, including regular portfolio reviews;
Personal Insurance (Life, TPD, Income protection and Trauma);
Life investment products including Whole of Life, Endowment and Bonds;
Budget and cash flow management;
Debt management (including borrowing for personal purposes);

Qualifications

Duncan gained his Bachelor of Business in International Trade plus he has also completed his Advanced Diploma of Financial Planning and is a member of the Financial Planning Association.

Robert Switkowski

Adviser

About Robert

Robert is a qualified and experienced Financial Planner who is committed to helping his clients meet their needs and objectives.

Married with 4 sons, he loves spending time with family and friends and following most sports.

Strengths

Robert commenced his career within the Financial Services industry with National Mutual in 1985 and became a Financial Planner in 2003. At the beginning of 2020 he became part of the Countrywide Advice team.

Expertise

Robert’s expertise is in the areas of:

Superannuation
Retirement planning
Risk protection

with a particular passion in assisting clients to enjoy financially fulfilled retirement years.

Qualifications

Robert has completed the Advanced Diploma of Financial Services (Financial Planning) and is a member of the Association of Financial Advisers (AFA).

Find out more about Countrywide Advice

Disclaimer
Privacy
Financial Services Guides
Managed Portfolio Disclosures

Email: info@cwadvice.com.au
Telephone: 1300 991 479
Facsimile: 03 8732 0266

Street Address:

Office 8, 600 Doncaster Road
Doncaster Vic 3108

Level 2, 35 Dalmore Drive
Scoresby Vic 3189

251 Napier Street
Bendigo Vic 3550

Suite 1, 1/38 High Street
Wodonga Vic 3690

Countrywide Advice Pty Ltd, Countrywide Advice Pty Ltd Trading as J Fleming Financial Services, Graeme Collins Pty Ltd Trading as CBS Financial and GrowUp Financial Pty Ltd Trading as Invest Blue are Corporate Authorised Representatives of Charter Financial Planning Limited ABN 35 002 976 294 AFS Licence and Australian Credit Licence no. 234665 (“our Licensee”), as shown in our Financial Services & Credit Guide.

Principal Address: Level 11, 699 Collins Street, Docklands VIC 3008

This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information.

The Authorised Representative provides you with advisory services in accordance with the disclosures in the Financial Services and Credit Guide. Charter Financial Planning is responsible to you for all conduct. www.charter.com.au