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Business Before Breakfast

Business before breakfast is a group of individuals who meet every fortnight to discuss what is happening in their realm and to learn business tricks and tips.
It is an informal gathering of some of the best small business minds in Canberra who are interested in learning from each other in areas where they are not experts.

Every 2 weeks on Tuesday  (see meetup)

1/15 Edinburgh Ave, Canberra ACT 2601 · Canberra

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Bob Murphy

Born and raised in the US, Robert completed his formal education before
beginning his working life in the elite US Marine Corp. He later moved to Hong
Kong where he learned to speak Cantonese and was recruited by the South
China Morning Post to head their Tourism Advertising Portfolio.

Robert began his Real Estate Career with LJ Hooker Belconnen in 1999 and
has been delighting his clients ever since. He has achieved an enviable degree
of success over the years, which can be attributed to his expert market
knowledge, endless supply of energy and his unwavering focus on results for
his clients. Patient, fair-minded, and an assured problem solver, Robert’s
clients love his cool, calm, measured approach and are never in any doubt that
he will do whatever it takes to get them the best result.

Over the years, Robert has earned a reputation for consistently achieving
outstanding results and delivering a high quality service to his clients and a
high proportion of his business is from repeat and referral business.
Marketing Specialist

Bob Murphy is a true gentleman with a proven sales record. We have sold numerous
properties with Bob and will continue to do so until he retires. His local knowledge is
impressive and he ALWAYS returns your phone call. Bob has become part of our family and
we just love dealing with him! ~ Erin Petkoski

Bill Brown

Bill Brown

Introducing Bill Brown of Estate Forethought

Bill Brown is one of Canberra’s best-known specialist life risk advisers, having joined the financial advisory industry in 1987 after a 20 year career as a Commonwealth Public Servant.  As well as building a successful advisory business, Bill has presented at industry conferences on the technical aspects of life risk products and for many years conducted industry education courses for other life risk advisers.

Financial advice can cover a broad spectrum of advice specialties, such as advising on investment port-folios, shares, superannuation issues, and retirement planning, or be restricted, by client agreement, to one specific area eg retirement funding.  Bill believes the basis of any sound financial program should be firstly to ensure that should events occur unexpectedly in his client’s life, such as the onset of disability, illness, injury or death, the impact of such events can be managed appropriately – building wealth without income can be difficult.

To maximise his value to his clients, Bill decided many years ago to specialise in life risk and commenced the ongoing task of acquiring product understanding and developing the framework of principles which enable him to design appropriate life risk strategies for his clients and provide ongoing review .

At Estate Forethought, we design strategies to ensure your life’s plans are not financially impacted by the inevitable events of life.

Our strategies will generally (but not always) involve utilisation of quality well-researched life insurance products. In today’s life risk environment, complexity and confusion abounds. For those Australians who have developed their own protection strategies, life risk policies can be directly sourced from banks, credit unions, public offer super funds, some mortgage brokers, and of course from vendors advertising on TV. Many of these products are provided on a “no advice” basis, known as a General Advice, where the personal circumstances of the client are not taken into account when the product is recommended, and the client is not presented with choice of suitable policies.

At a conservative estimate, there may be over 50 contracts marketed to the public from various sources as “income protection policies “, ranging from an accident only cover (no illness cover) to comprehensive income replacement cover, with the benefit being provided over short and long-term periods. No two contracts will be  identical, so a meaningful comparison is rarely possible.

Furthermore, in the case of life insurance available from some superannuation funds and products marketed on daytime TV, the insurer does not undertake an individual assessment of the health of the applicant: the necessary background checks on health and occupation occur whenever the insured lodges a claim, leading at best to long delays in the first five years of the policy, and at worst a surprising decline of benefits, by design.

At Estate Forethought, we are proud to call ourselves Life Risk Specialists. 

Bill’s work with his clients covers three key phases – Analysis, Implementation, and Management.  

In the Analysis phase, Bill works with his clients to gather relevant information, including Estate Planning Objectives, define the issues, and, based on the client’s objectives, develop the appropriate strategy and then discuss solution options. Bill’s primary role at this stage is to provide the ideas – and allow the client to make the decision.

The Implementation phase follows on after the client settles on the solution that makes the most sense.  Bill then takes on a role as his client’s advocate and negotiates favourable terms for the financial instruments that will drive the life risk plan.  The Management phase is where Bill continuously monitors the results of the plan and makes adjustments to keep it on-track long term, and when an unexpected event occurs and an insurance claim arises, Bill will manage the claim with the insurer on behalf of his client.

Bill has always said that for all the contributions he makes in this advisory process, he finds the Analysis phase is the most gratifying.  That’s where he gets to listen – to get inside the client’s head a little, so to speak, to understand what makes them successful, and to hear their life lessons, and help define their objectives, and then building a rock solid platform to achieve those objectives.

If you are interested in sampling some of the ideas Bill has developed, he would be happy to spend half an hour in a “shirtsleeves session” with you at a mutually convenient time and place.

What am I an expert in?

Funny thing about life. In many areas of life involving the provision of services, there is just no set criteria to be an expert in the vast majority of fields of endeavour. There are obvious exceptions - orthopaedic surgery has now evolved into sub- specialties with practitioners restricting themselves to say hands and arms; knee replacements or shoulders alone.

If you prefer, my sub-specialty in financial services is life insurance, in all its various forms – death cover, trauma cover, disablement cover and the protection of income. More important are the strategies that are required, to appropriately utilise these particular products to achieve the objectives of my clients

As with many service industries, in financial services there are no clear-cut degrees or certifications that can deem one an expert in life insurance. But in the absence of formal studies, relevant experience, properly acquired and applied, can indeed make you an expert, without any formal certification, but you have to hold a desire to learn at every opportunity.

Rather than listing expertise, may I explain my role: –

  • Listening carefully, and then digging down further to identify my clients real concerns
  • To develop sound strategies that ensure that the right money gets to the right people in the right timeframe, after one of the inevitable events of life has occurred
  • Learning something new about life insurance every day. To analyse all new ideas, and to discard those ideas that will never benefit my clients.
  • Encouraging my clients to place their estate planning on a sound footing.
  • Above all, maintain my passion on what a life insurance protection strategy, properly implemented, can do for the lives of my clients

Peter Roberson

Roger Smith

Roger Smith is a highly respected expert in the fields of cybercrime and business security and is a Lecturer at ADFA (Australian Defence Force Academy) at the University of New South Wales (UNSW - Australian Centre of Cybersecurity) on Cybercrime, Cybersecurity and the hacking techniques used by the digital criminal.
He is an Amazon #1 selling author on Cybercrime with his bestselling book, Cybercrime a clear and present danger, going to number one in 3 sections of Amazon.
He is the primary presenter for the Business Security Intensive (BSI).   A 4 hour seminar designed to deliver the best protective strategies for small and medium business and not for profit organisations on how they can protect themselves using the NIST framework.   He is also the author of the Digital Security Toolbox which is given away for free at the BSI.
He is a speaker, author, teacher and educator on Cybercrime and an expert on how to protect yourself, your staff, your clients and your intellectual property from the digital world.

John Carberry

The Adviser Profile forms an essential part of the combined Financial Services and Credit Guide (“Guide”). The Guide is not complete without it.

John Carberry is an Authorised Representative of RI Advice Group Pty Ltd (ABN 23 001 774 125, AFSL 238429, ACL 238429) (“RI Advice Group”). John is the Proprietor and Senior Financial Adviser of RI Advice Woden.

Educational qualifications and experience

I have worked in the financial services industry since 1974. Fifteen years of banking were followed by 6 years of financial planning in association with a large financial institution. I joined RetireInvest in 1995, bringing considerable skills in helping clients to attain financial security and growth. I have been highly successful in obtaining industry related qualifications.

I have a Diploma in Financial Planning from Deakin University and hold the internationally recognised Certified Financial Planner™ or CFP® qualification from the Financial Planning Association of Australia (FPA). I also have a Diploma in Financial Markets from the Financial Services Institute of Australia (FINSIA) and an Accounting Diploma. With these qualifications and extensive experience, I am well qualified to help clients to achieve their financial goals.

As a member of the FPA I have maintained a high level of technical expertise by attending ongoing training. As a result, I am capable of dealing with current & future financial issues facing clients using the most up to date solutions.

Products offered

I am authorised to provide financial product advice to my clients and deal in:
 Deposit and payment products
 Derivatives
 Life investment or life risk products
 Interests in managed investment schemes, including investor directed portfolio services (IDPS)
 Retirement savings accounts
 Securities
 Superannuation

Services offered

The services I am able to offer to my clients are:
• Investment strategies including gearing and savings plans, ASX Listed Securities
• Budget and cash flow planning
• Debt management
• Superannuation advice, including salary sacrifice and consolidation strategies
• Personal insurance strategies
• Centrelink / DVA advice
• Retirement planning advice
• Estate planning advice
• Advice on ownership and structures eg. discretionary and family trusts
• Portfolio review services
• Ongoing advisory services
• Referrals to specialists eg. accountants, solicitors

Kellin Kristofferson

Peter Drake