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Health and personal injury

Health and personal injury

Helping injury clients secure a better tomorrow

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Health and personal injury

A better quality of life, better medical care and more peace of mind.

Money can’t ease the pain of those who’ve suffered a life-changing injury. Or reduce the anguish felt by their families.

What it can do is ensure a better quality of life, better medical care and more peace of mind. The peace of mind that comes from knowing a compensation payment will last long into the future whilst funding the best care, rehab and mental health services for the client.

Perpetual’s Health and Personal Injury team understand the importance of personal attention. Our financial advisers and trust managers coordinate a whole range of services to make life better for clients and their families.

That includes financial advice - from tax and superannuation strategies to cash flow and compensation payout management - to make sure clients receive the best possible care over the longest timeframe. And the practical but vital services that make a difference every day – including looking after regular household, medical and care bills and managing care providers.

 

Client stories

Looking after our client’s finances and wellbeing

For many years Perpetual has assisted people who have suffered a serious injury. We begin by talking to clients (and their families and advisers) to understand their unique situation and start a strong long-term relationship. We then apply our trustee experience and financial expertise to address the client’s individual needs and work with their solicitors and other professional and medical advisers – including medical teams, carers and therapists - to achieve the best result.

Client stories

Carlos's story

 

“I was young, and my life was good, working and travelling around Western Australia. And then I woke up in Accident and Emergency and I have to rely on someone to care for me 24/7.” – At 28 years of age, a work auto accident severed Carlos’ spine at C4, leaving him with no sensation or movement below his chest and limited use of his hands.

His ongoing treatment and full-time care are funded by the compensation payout he received after the accident. The money is managed by Perpetual Private. In this video, Carlos talks about the technology he’s putting to work to make his life better. And how his relationship with Perpetual’s Chris Marshall is helping that happen.

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How Chris helps Carlos

 

Chris Marshall is the Perpetual adviser who is helping Carlos change his life day-by-day.

“The money is the engine room for Carlos. If we manage it well Carlos can invest in these vital treatments. Our financial plan for Carlos is about helping him pursue his health goals – and making sure he’s financially secure for the rest of his life.”

 

Hear Chris's story

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Knox's story

 

Knox was three years old when he got caught behind a lawnmower that ran over his arm at his grandparents’ farm. Since then, Perpetual has worked with Knox and his mother Kate to manage his finances and secure his financial future.

In this video Knox and Kate talk about Knox’s life on the football field and at home and about the mechanics of working with Perpetual.

 

Read more about Knox's story

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All-in-one: Looking after our client’s finances and wellbeing

Personal injury clients need a long-term relationship that’s built on trust and a holistic view of their needs. At Perpetual, we help personal injury clients with big issues such as buying a house or investing in medical technology (See Carlos’ story). But we also help with everyday matters – paying bills, maintaining a home - because we understand that sometimes the small things mean the most.

Whether you’re the recipient of a compensation payment or responsible for someone who’s been injured, choosing the right professional partner can help you to set the foundations to create long-term financial security. We can invest assets, advise on tax and super strategies, assist with budgeting and cash flow management, manage day-to-day financial tasks such as paying bills and ensuring carers and dependents are considered in investment and estate planning strategies.

Perpetual’s comprehensive suite of services for personal injury clients.

Our services

Are you helping a client who has suffered and injury?

Looking after your client's finances

 

We know that personal injury clients often rely heavily on their personal lawyer. In this brochure, we look at how Perpetual works with lawyers to make life better for their clients. 

 

Download the brochure

 

 

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Your health and personal injury team

Rachelle-Arranz.jpg
Rachelle Arranz
Senior Financial Adviser
02 6243 6500
Contact me
Andrew Parker.jpg
Andrew Parker
Partner, Private Clients SA
08 8418 5611
Contact me
Rachelle Arranz
Rachelle-Arranz.jpg

Rachelle Arranz

Senior Financial Adviser
Phone 02 6243 6500
Bio

Rachelle is a Senior Financial Adviser in Perpetual’s Canberra office and has over 25 years’ experience in the financial services industry, with over 15 years of this at Perpetual.

She provides holistic, tailored advice in retirement planning, superannuation, investments, asset allocation, portfolio construction, estate planning and charitable planning and philanthropy to assist clients in achieving their financial goals and objectives. As an Accredited Aged Care ProfessionalTM, Rachelle assists new and existing clients navigate the complex aged care system with empathy, understanding and clarity.  

Rachelle is passionate about building trust and long term relationships.  She is focussed on providing exceptional service for her clients and their families and particularly enjoys educating her clients and empowering them with the knowledge and resources to make better financial decisions that align with their values and achieve their goals. 

Having access to Perpetual’s broad range of services and experts allows Rachelle to connect clients to other parts of the Perpetual business including Philanthropic Services, Estates and Trusts, risk advice, tax, accounting and business services and the Not for Profit team.

Rachelle holds a Bachelor of Science, Diploma in Financial Markets, Master of Financial Planning and is a Certified Financial Planner (CFP®).

Andrew Parker
Andrew Parker.jpg

Andrew Parker

Partner, Private Clients SA
Phone 08 8418 5611
Bio

Andrew is the Partner of SA’s Not For Profit division.

With over 32 years experience, Andrew specialises in advice to large complex organisations, family offices, not-for-profit clients and philanthropic trusts. He has a deep understanding of the unique needs and strategic objectives of not-for-profit organisations and helps his clients implement best practice investment policies. Andrew also connects clients to other parts of the Perpetual business, including Philanthropic services.

Prior to joining Perpetual, Andrew held senior adviser roles within commercial and private banking based in Adelaide for the last 9 years. Andrew has also held senior manager roles in institutional banking at JPMorgan Chase, Deutsche Bank and Royal Bank of Scotland in Tokyo, Singapore, London, New York and Sydney over a period of 20 years.

Andrew has a Bachelor of Business (Finance), Advanced Diploma of Financial Planning, is an accredited Self- Managed Super Fund adviser (SMSFA) and speaks several languages.

Your best interests at heart

Ensuring clients have funds that last a lifetime is our highest priority. We take a long-term approach to investing because we believe quality investments yield benefits in the long run. Our advisers and investment specialists have a high duty of care in developing portfolios and ensuring Perpetual’s stringent quality investment filters are met.

All too often, recipients of catastrophic compensation settlements partner with a financial adviser that adopts a passive investment strategy because of the allure of lower fees. Unfortunately, this choice can be at the detriment of long term investment returns and downside risk protection, which is a particularly important consideration for these clients, who often do not have a substantial income source outside  their trust.

Perpetual provides active portfolio management for its clients, giving them the benefit of our investment research team’s manager selection expertise. We recommend active investment managers as we have high confidence in their ability to outperform a best in class passive manager. Active managers often charge a higher fee than passive managers where funds simply track the market weighted index.

Simply put, personal injury clients are more vulnerable. Vulnerable to further health issues, to financial stresses, to fraud and deception. That means the duty of care for their service providers and advisers is even higher.

Perpetual is an ASX-listed company which has been serving Australians since 1886 when it was established as a trustee company. That trustee heritage – and the culture it created around putting clients first – is a crucial part of the promise we make to personal injury clients.

That trustee culture is backed by a rigorous approach to risk management (see the diagram below, which looks at risk management across every level at Perpetual).  Our tightly managed, formal governance structure ensures we constantly manage the risks associated with performing trustee and financial advice obligations for clients.

Our risk-management culture extends into our advice and investment management services as well. We will never place short-term results ahead of an investment and advice approach tailored to meet the unique needs of each personal injury client.

Perpetual Risk Managment

Perpetual is committed to providing one-on-one support to clients and their families. From the start, Perpetual can establish the right structures to protect the client – and during the long-term care necessary for clients, we will co-ordinate the services of many different providers from carers, to medical professionals and lawyers.

We also have the financial expertise to create personalised, long-term financial plans and investment strategies for every client’s unique needs. Our financial advice is supported by a team of experts who can research and implement investment portfolios to protect and grow the client’s capital while funding their lifestyle needs.

Today, Perpetual serves over 750 personal injury clients around Australia. The Carlos and Knox stories above show how important one-to-one relationships are when working with personal injury clients.

Take your first step - contact us on 1800 631 381

Or please submit the form below and a specialist adviser will contact you.

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Perpetual Private advice and services are provided by Perpetual Trustee Company Limited (PTCo) ABN 42 000 001 007, AFSL 236643. This information was prepared by PTCo. It contains general information only and is not intended to provide you with financial advice or take into account your objectives, financial situation or needs. You should consider, with a financial adviser, whether the information is suitable for your circumstances. To the extent permitted by law, no liability is accepted for any loss or damage as a result of any reliance on this information. The information is believed to be accurate at the time of compilation and is provided in good faith. This article may contain information contributed by third parties. PTCo do not warrant the accuracy or completeness of any information contributed by a third party. Any views expressed in this article are opinions of the author at the time of writing and do not constitute a recommendation to act. No company in the Perpetual Group (Perpetual Limited ABN 86 000 431 827 and its subsidiaries) guarantees the performance of any fund or the return of an investor’s capital. Past performance is not indicative of future performance.

Note: The schedule of fees and charges for Health and Personal Injury clients are outlined in our Financial Service Guide.

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