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A safety net for your business, family and lifestyle

Insurance for chiropractors. Simplified.

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4-Step Guide to Protect Your Finances from Subluxation

The stakes are high if you do nothing

You've worked hard to build a successful chiropractic business, but deep down you know you're walking a tightrope without a safety net.

As the key revenue generator, if anything happened to you, your business and family would suffer financially.

Let's fix that.

Apex Result

Replace your salary if something happens to you.

Apex Result

Keep your practice running by covering fixed costs.

Apex Result

Cover your debts and protect your family's future.

Sam lost his finger but not his livelihood

Sam built a thriving chiropractic practice through years of expertise and personal care for his patients. As the key practitioner, his business depended on his talented hands being healthy and able.

So when an accident nearly cost Sammy his finger, his livelihood was at stake.

The unexpected event

While excitedly showing off a chin-up move, Sam's wedding ring got caught, badly lacerating his ring finger.

This critical injury jeopardised both his household finances and his ability to adjust patients.

Forward-planning saves the day

Apex Advice had previously implemented income protection and business expense insurance to support Sammy's practice.

Thanks to his forward-thinking insurance policies, Sam was able to fully focus on surgical rehabilitation without financial worries. His loyal patients received ongoing quality care from a trusted substitute practitioner.

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4-Step Guide to Protect Your Finances from Subluxation

Hope for the best, but be ready for the worst

Apex-Advice-geelong-financial-planners-john-manserra-senior-financial-adviser-900px

Hi, I'm John Manserra.

Let's be honest, no one wants to imagine worst case scenarios or things going horribly wrong.

But here's the reality - unexpected tragedies, illnesses and disasters happen every single day. And they can strike any of us.

You already insure what's important - your home, car, phone and belongings. Why not also properly insure your most valuable asset of all - your ability to earn an income?

At Apex Advice we equip small business owners, like yourself with fit-for-you plans to protect your income and livelihoods when the unexpected strikes.

We keep things simple and get you the right cover so you can sleep easy at night.

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4-Step Guide to Protect Your Finances from Subluxation
5.0
Jarrod and S.
John is an excellent. He is knowledgeable, approachable and genuinely invested in achieving the best outcomes . He takes the time to explain everything clearly, provides practical and considered advice, and makes financial planning feel straightforward rather than overwhelming. We highly recommend!
Fiona R.
Working with Marcus at Apex Advice Geelong has been an absolute game-changer for our family. Planning for retirement can easily feel overwhelming, but Marcus took the stress out of the entire process. From our very first meeting, he brought immense expertise, deep financial knowledge, and incredible patience. What we appreciate most is the ability to break down complex financial concepts into clear, easy-to-understand advice. We now have a solid, crystal-clear path mapped out—not just for what to do right now, but for years down the road. The true highlight has been the total reassurance and peace of mind we now feel about our retirement. If you want a financial planner who genuinely cares, listens, and delivers brilliant expertise, we cannot recommend the team at Apex Advice highly enough!
Emily G.
It has been really wonderful working with John and his team at Apex Advice. He has helped bring confidence and clarity to our financial situation, making what can sometimes feel complicated and overwhelming much easier to navigate. We appreciate his honesty, knowledge, and experience as well as his approach. He works hard to get to know you and understand your unique situation and applies his expertise in a way that is tailored to your needs and values, all while being approachable, caring, and a great guy in the process! We have already recommended John and the Apex team to others and will continue to do so for anyone looking for professional trustworthy financial advice.
Jayden S.
We can’t thank John, Amy and the team at Apex enough. They are incredibly generous with their time and always make themselves available to talk through any questions we have, making the process really easy. What we appreciate most is how personalised the advice is. They’ve taken the time to understand our goals and situation and tailored their recommendations specifically to us. We always feel well-informed and confident about the decisions we’re making. Highly recommend to anyone!
Dave N.
John has been an outstanding finance advisor for us. He took one look at our overall position - across assets, income, and goals - and immediately knew the right advice to give. Once we implemented his recommendations, we started seeing gains very quickly, which built a lot of confidence early on. Over the past year and a half, John has helped us refinance, restructure our income, and completely rethink how we approach savings, bills, and long-term retirement planning. Our financial position has improved in that time, and we now feel like we’re playing a clear, well-considered long game rather than reacting month to month. John is highly skilled and deeply capable in his field, and his insights extend well beyond the numbers. I also really enjoy his podcasts - they’re consistently thoughtful and practical. On a personal level, he’s a great human to work with: approachable, genuinely interested in us as people, and easy to trust. We’ve already recommended John to family and friends, and would do so again without hesitation.
Hailey H.
If I could give 10 stars I would! John has been a game changer for our family. He is calm, polite and friendly. We are so relaxed and at ease with John, he makes it easy to share the hard things and is big on celebrating the wins along the way. John is extremely personable and approachable. I highly recommend him for any and all financial planning needs. We were nervous seeing a financial planner as we were worried the approach would be all work and no play, however John’s approach isn’t about that. He is very ‘real’, and took the time to get to know us and our individual circumstances and what does and doesn’t work for us. John has (and continually) supports us to make smart and safe financial decisions, yet also supporting fun like family holidays and date night. From daily budgeting, to long term savings, retirement plans and investing, John is your man!!
Leigh F.
An absolute pleasure to have John and his team guide us along the path to a successful retirement
Anni A.
We’ve been working with Apex Advice for over six months now and have seen a real difference in both our ability to save and our overall financial wellbeing. The team helped us set up systems that have taken the stress out of managing bills and day-to-day finances, so we feel much more in control and confident about our future. We couldn’t be happier with their approach—especially working with John Manserra. John is genuine, approachable, and always takes the time to explain things in a way that makes sense to us. He’s helped us understand aspects of our finances that used to feel overwhelming, and we truly feel like we’re setting ourselves up for success. We highly recommend Apex Advice and John to anyone looking for practical, supportive, and effective financial guidance.
Leanne J.
We have been speaking with Marcus for the past 4 months and he has been guiding us in our transition to retirement and sorting out all our financial matters. We really appreciate all his help and advice. He has explained everything along the way and made sure we understood the process. Would highly recommend Marcus and all the Apex team.
Damien L.
Marcus and the team have been fantastic. Marcus really took the time to understand our needs and coached us through the typical nervous feelings of investing. We couldn’t be happier with the service and support that Marcus and the Apex team provide. If looking for financial advice I would go no further than Marcus and Apex.
Pauline E.
Highly recommend John and Marcus for their help in setting up my super account, i am so pleased, it was made effortless for me. the results are amazing.
Raymond L.
John and his team are very knowledgeable and fantastic to deal with.
Dr Sam F.
⭐️⭐️⭐️⭐️⭐️ I cannot speak highly enough of John and the entire financial advice team at Apex Advice. Their professionalism, depth of knowledge, and genuine care for my financial future were nothing short of incredible. Before working with them, there were so many gaps in my understanding — from my insurance risk profile to future investments, and even what true financial stability should look like for me, my wife, and our family. John and the team took the time to clearly explain my current position and helped me build a bridge to where I wanted to be. Some of the most powerful moments came from conversations I would have previously dismissed as “boring.” As it turns out, they were life-changing. What stood out most was not just their expertise, but the way they followed through on every promise with precision and care. Their customer service is second to none — I always felt heard, supported, and confident in the process. If you’re thinking seriously about your future — especially the future of your children — I can’t recommend Apex Advice highly enough. Get them on your team. You won’t regret it.
Chris W.
Great advice and planning for our future in a very clear and easy to understand format. Always makes time to discuss anything queries with us
Vicki P.
John @Apex Advice has been my financial advisor for a number of years now and I have always found him easy to talk to about the future and more recently I have been working with Marcus on my retirement plan. I would highly recommend Apex Advice as both John and Marcus listen to what you have to say and also assist to make your transition a smooth journey. The Team @Apex Advice are very professional!
Chris L.
Easy to talk to about all matters and they keep us up to date with our super .
Toni P.
I was well overdue for a review and knew that my finances had more potential. From our very first phone chat John has taken the time to listen and get to know me and understand what I am hoping to achieve over the next 5-10 years. He ensures that I understand the game plan and that I am comfortable with the decisions being made, not to mention the gentle nudge into the world of investing! Filling in forms and gathering information can be daunting at the best of times and the communication from the Apex Advice team made these processes seem so simple and stress free. Highly Recommended!
Mitch
Marcus is a pleasure to deal with. Second to none knowledge, extremely friendly, responsive and just an all round great guy. One of a kind!
Mark J.
We have dealt with Marcus at Apex and found him to be very helpful and a lovely Guy
Marlene J.
Very friendly & very sincere working with Marcus & the team at Apex.
jeremy D.
Marcus L came to Paradise when we hosted an event night to help everyday people with their cash flow, Marcus also gave very informative information to our group without the feel of it being a rehearsed pitch, it’s was easy to understand and also implement. Fantastic team that helped us achieve some successful results 6 Stars.
jembpearl
Thank you Marcus for your help in setting up my supper account. You made it so easy. Your Centrelink knowledge especially is vital
John L.
Cannot speak highly enough of Marcus & the team at Apex. They have helped us retire comfortably, with great clarity for our future.
Samantha R.
We have loved working with John and the Apex team. We trust them, feel confident about our financial position for the future, and highly recommend their services to others.
Greg F.
I have had the pleasure of working with Apex Advice, and I highly recommend them! Their financial advice was was excellent, tailored specifically to my needs and goals. From the very first meeting, the entire team demonstrated a genuine commitment to understanding my financial situation and crafting a personalized plan that made sense for me. Their fantastic service stood out throughout the process; every team member was knowledgeable, approachable, and eager to help. They have my highest recommendation!
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Planning for potential misfortune isn't about living in fear, it's about taking smart precautions so you can recover faster.

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Lead magnet - Chiro

FREE DOWNLOAD

YOU SPEND YOU DAYS CARING FOR YOU PATIENTS. BUT WHO CARES FOR YOU?

4-Step Guide to Protect Your Finances from Subluxation

Your family depends on your ability to treat patients and earn an income. One tragic accident or illness could turn everything upside down.

Don't leave yourself exposed! This straightforward 4-step backup plan shows you how to protect your family's lifestyle no matter what life throws at you.

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Apex Advice is an authorised representative of Insurance Advisernet, one of the largest General Insurance Brokers in Australasia, you benefit from access to unparalleled financial strength, business efficiencies and insurance buying power!

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4-Step Guide to Protect Your Finances from Subluxation
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Apex Advice Pty Ltd
ABN 14 655 779 187
Corporate Authorised Representative No. 1296045
3/131 Shannon Avenue
Manifold Heights, VIC, 3218

Paragem Pty Ltd
ABN 16 108 571 875
AFSL 297276
Level 11, 45 Clarence Street
Sydney, NSW, 2000

The information contained on this website has been provided as general advice only. The contents have been prepared without taking account of your personal objectives, financial situation or needs. You should, before you make any decision regarding any information, strategies or products mentioned on this website, consult your own financial advisor to consider whether that is appropriate having regard to your own objective, financial situation and needs. Apex Advice Pty Ltd ABN 14 655 779 187 is a Corporate Authorised Representative (ASIC 1296045) of Paragem Pty Ltd ABN 16 108 571 875 Australian Financial Services Licence 297276. Australian Credit Licence 389087.

W: paragem.com.au T: (02) 8036 6490

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