Insurance
Whether you’re a family, single or a business, we’ll go through the right insurance for your stage of life – to protect what’s important to you. From personal Life Insurance to Key Person Cover for businesses – we’ve got you covered!
Superannuation
We specialise in setting up superannuation the right way to ensure that you get the best return for your money. From Superannuation Review and Portfolio Diversification to Retirement Planning, we help you keep the lifestyle you desire for the rest of your life.
Financial advisory and insurance specialist firm that protects individuals, business owners, and families if the unexpected were to happen.
With over 40 years of combined industry experience, we specialise in business and personal risk insurance, including Buy/Sell Insurance, Key Person Insurance, Life Insurance, Income Protection, TPD and Trauma cover.
We understand how much goes into supporting your family and running your business, which is why we help you understand your risks, put the right cover in place, and support you through the claims process, so you can focus on what matters most.
We help everyday Australians sleep easily, knowing that their work and family are taken care of when they need it most.
By communicating clearly and delivering on our promise, Panorama Financial Services always prioritises your well-being. We stay current with the latest developments and take pride in providing our clients with a wealth of knowledge to utilise.
While no two circumstances are the same, our approach and commitment to you remain constant. We act on your behalf to manage the entire application and claims process, providing you with peace of mind and granting access to the support you require.
How our process works
1. Discovery & risk identification
We take the time to understand your business structure, personal circumstances and priorities, as well as potential risks to income and ownership which may require protection.
2. Strategy & implementation
We provide clear, tailored advice on insurance solutions that help protect you and your dependents, while also taking ownership of the entire application process.
3. Ongoing review & support
As your circumstances change, we review your cover to make sure it still suits your needs and that you’re not paying for cover you no longer need.
Meet the team
With over 40 years of combined experience, our industry-recognised professionals are here to ensure financial security and peace of mind for families, individuals and businesses.
Mark Crowe
Director
Bachelor of Business in Financial Risk Management / Diploma of Business in Banking & Finance
Thuy Nguyen
Adviser
Bachelor of Business in Financial Risk Management / Diploma of Business in Banking & Finance
Liana Bui
Service Manager
Bachelor of Business in Financial Risk Management / Diploma of Business in Banking & Finance
Testimonials
Case studies
Our case studies show how practical, tailored advice helps navigate complex financial and insurance decisions in real-world situations.
Sheen Panel Service
Sheen Panel Service is Victoria's leading smash repairer, operating 27 panel shops across the state as well as three…
Our Insurance Partners
We do all the hard work, running around talking with these insurance partners to come up with the best deal for you.
Blog
Take a look at our latest articles, where we share practical insurance and financial insights for Australians and their businesses.
Key Person Business Insurance: Why You Need It and What It Covers
Running a successful business often involves a team of dedicated individuals who contribute their skills and expertise to…
Navigating the Different Types of Personal Insurance: Your Comprehensive Guide
When it comes to safeguarding your financial future and protecting your loved ones, personal insurance is an essential tool…
Taking Charge of Your Superannuation: Friendly Questions for Your Broker
Hey there, savvy savers and future retirees! Let's talk about something super important – your superannuation. It's not just…
If you're not insured… you're not ensured.Let us help!
We’ll bring the conversation to you if you if you would prefer to meet online. Let’s start the conversation to get to know you, where are you at now and how we can help you with your insurance and superannuation needs.
Frequently asked questions
Explore the answers to some common questions about Panorama Financial Services
Insurance and superannuation often work best when considered together, as they both play a role in protecting your financial future. Insurance can help provide support if something unexpected happens, while superannuation is focused on long-term planning and retirement. Whether you need one or both depends on your personal circumstances, goals, and stage of life. We take the time to understand your situation and help you decide what level of planning is appropriate for you.
Financial advice can be helpful at many stages of life, particularly if you are seeking clarity, reassurance, or guidance with important decisions. If you feel uncertain about your current arrangements or want support in working towards your goals, advice may be worth considering. An initial conversation allows you to talk through your situation, ask questions, and understand whether advice would be beneficial for you.
Your first consultation is a chance for us to get to know you and understand what matters most to you. We will talk through your current situation, your goals, and any concerns you may have. There is no pressure or obligation to proceed. We will also explain how we work and outline what the next steps could look like, so you leave the conversation feeling informed and comfortable.
We work with a wide range of insurance providers, which allows us to compare different policies and consider cover based on your goals and budget. While we have long-standing relationships, we are not tied to any one insurer. At the end of the day, we work for you, and we take the time to understand your personal situation and recommend cover that is in your best interest.
We believe in clear communication and transparency. Important disclosures and policy information are provided as part of our advice process, and we take the time to explain what they mean for you. If anything is unclear or you would like further detail, we are always available to answer questions so you feel informed and confident.
We build long-term relationships with our clients and stay in touch as life changes. Insurance isn’t a set-and-forget decision, as changes to your work, family, health, or finances can affect whether your cover is still right. We review your insurance over time and make updates where needed, helping ensure your protection remains appropriate and you’re not paying for cover that no longer suits your situation.
Calendar
We’re here to help you protect what matters most.
Whether you’re planning for your family, your future, or your business, our team listens, simplifies, and guides you every step of the way.
Reach out and let’s build your peace of mind together.
Contact us
Not ready to book a discovery call? Send us a message below and we’ll get back to you soon.
