How we help protect your future

At Cutcher & Neale, we know how important it is to have financial security and protection. It’s for that reason we have a
Specialist Risk Insurance division who work directly with our client base offering a range of Personal Risk Insurance services.

We aim to ensure that you and your family are not financially disadvantaged in the event you are unable to
work due to injury, illness or death.

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A team approach.

Partners and client advisers are integral resources when assessing appropriate insurance types, benefit levels and ownership structures for policies.


Ongoing reviews.

As your professional and personal life evolves, we re-evaluate your needs and recommend relevant changes.



In the event of a claim we provide hands on assistance to ensure the process is as smooth as possible. Benefits paid are treated with the confidentiality afforded to all Cutcher & Neale clients.

Types of Risk Insurance

Our dedicated risk insurance team are focused on delivering tailored insurance services by providing extensive advice and solutions to suit your financial and personal circumstances.

Critical Illness Cover (Trauma)

Income Protection

Total & Permanent Disability (TPD)

Death Benefit

Business Expense Insurance

Succession Planning

Key Person Insurance

We've got you covered

Our advisers are accredited with all major retail insurers to ensure we can recommend and tailor the most suitable policies.


Meet the team

Brad Oldham

Risk Insurance Manager


Risk Insurance Manager

Brad Oldham

Grad Cert BA, JP

Brad is Cutcher & Neale’s in-house Risk Insurance Specialist. He works predominantly with our Medical clients assessing their personal financial risks should they become ill, injured or deceased then recommends and implements appropriate insurance policies. These include Trauma Cover, Income Protection, Total & Permanent Disability Cover, Death Cover and Business Expense Cover.

Where there is a business structure to be considered, Brad also advises on Buy/Sell, Debut Protection and Key Person insurance requirements.

Justin Beeforth

Senior Risk Insurance Advisor


Senior Risk Insurance Advisor

Justin Beeforth

BEcon, BBus, DipFP

Justin joined Cutcher & Neale Investment Services in 2020. He holds a Bachelor of Business and Bachelor of Economics, achieving two awards for academic excellence. He also holds a Diploma of Financial Planning. He is currently studying his Masters of Financial Planning.

Justin has 5 years’ experience in the Financial Services industry, having worked at various locations across the country.

Justin has a down to earth, honest and practical approach to personal risk insurance, with significant experience in funded succession planning, SMSF exit and Estate equalization strategies. He enjoys building long term relationships with clients and helping them to navigate the complexities of the Financial industry.

Janelle Brady




Janelle Brady

BEc Grad Dip AppFinInv Dip FP Sip SM

Janelle joined Cutcher & Neale Investment Services in 2020 as a Paraplanner.

Janelle has over 25 years of experience working in the financial services industry, across a range of superannuation, life insurance and paraplanner roles.

Contact us

36 Agnes Street,
Fortitude Valley, QLD, 4006

25 Bolton Street
Newcastle, NSW, 2300

20 Berry Street
North Sydney, NSW, 2059

1800 988 522