Contact details

Suite 6, 110 James Street
Templestowe VIC 3106

Phone: (03) 9813 1415
admin@totalcover.com.au

Quick Contact

Our Process

Benefits of financial advice

Tailored, professional financial advice can help you make informed financial decisions and create long-term financial security for you and your family. A financial adviser can assist you with managing and meeting your short and long-term financial needs, from starting out in the workforce right through to planning for retirement. Total Cover Australia can:

  • give direction and meaning to your financial decisions;
  • put a strategy in place to help you build and protect your income and investments;
  • assist you to plan for major changes in your personal circumstances, e.g. retirement;
  • help you understand the long-term effects of your financial decisions; and
  • help you monitor progress towards achieving your financial goals.
  • wealth creation, including: asset allocation and investment selection; superannuation and retirement planning; and risk insurance.

The financial planning process

In order to ensure your financial plan is right for you, we will take you through a series of steps.

Work out where you are today. This involves gathering your financial data such as income, debts, financial commitments, etc. and working together to determine your current financial situation and ongoing needs.

Define what you want to achieve. Ask yourself what you want to achieve in the next few months, over several years and many years from now.

Consideration and strategy development. General discussions about broad strategies that may be suited to your unique goals and personal situation. Once you've agreed on the scope of advice required, upon your approval, we will prepare a written, tailored financial plan (Statement of Advice – see below).

Creation and implementation of your financial plan (as agreed by you). Your plan will include a recommended selection of specific products (if appropriate), such as managed funds, Australian and international equities, as well as alternative options for you to consider.

Your initial consultation

In order for us to accurately assess your current situation and create an appropriate financial plan, we may need you to provide us with a range of information.


John Varsamakis & Chris Varsamakis Vazza Pty Ltd trading as Total Cover Australia Authorised Representatives Apogee Financial Planning Limited
Australian Financial Services Licensee Register Office at 105 - 153 Miller Street North Sydney NSW 2060