A safety net for your business, family and lifestyle
Insurance for chiropractors. Simplified.
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.
Replace your salary if something happens to you.
Keep your practice running by covering fixed costs.
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.
Hope for the best, but be ready for the worst
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.
We have been working with John Manserra from Apex Advice for a few years now. John has a knack for simplifying complex financial concepts, making it easy for clients to understand and make informed decisions. John has helped us get clear on our priorities and helped us craft a strategy which aligns with our goals. Working with John has given us a sense of financial security while we work towards financial freedom. I recommend his services to anyone seeking expert financial advice.
Rebecca H.
"John has been amazing to deal with. His approach is very personable and he takes the time to get to know you as a person before providing any financial advice. John has tailored a plan that is specific to our goals and we can for the first time in years see a light at the end of the tunnel. I would highly recommend John to anyone who needs guidance on how to get ahead in life."
mark H.
Friendly, Knowledgeable & Helpful. Nothing is to much for John. He is my only recommendation for anyone looking for financial advise.
Joshua B.
I’m time poor and worry about having my affairs in order. As soon as I met John I knew we would have a fabulous working relationship. He developed a strategy, explained everything and put my mind at ease. Great man - I trust his expertise and I think I’ll be using his skills and knowledge for as long as he will have me as a client.
Kathly P.
Wow all I can say is THANKYOU John.John has helped me understand money can be SIMPLE and easy. We worked together to lay out a plan that works for me and my future. I am extremely grateful. Thank you Johnny. Now I am confident with money!
Zachary T.
I cannot recommend John and his team highly enough. From personal finance to business finance, they covered it all. No task was too big or too small. They were efficient, professional and friendly in my dealings with them. But most of all available when I needed them. Thanks again John and team.
Jordyn B.
John and the team have been great from the day we met…active listening is one of Johns many attributes, as a consequence he has installed confidence in our decision to take him on as our financial adviser.
Mike F.
Working with John and his team has been an excellent experience. They have provided us with guidance that has opened our minds to financial freedom and allowed us to make smarter decisions when it comes to our finances. We could not be more appreciative of the quality of service we have received from John's team, it is a privilege to work with them.
James W.
John and his team have been nothing short of impressive. He has provided my partner and I with invaluable financial advice and guidance to help better manage our finances as well as plan for our future. His communication is always prompt, clear, and personable while his knowledge of the industry ensures that we are making informed decisions. We highly recommend him for your financial needs. His team is dedicated to providing a quality experience – no task is too hard!
Meg R.
Excellent knowledge, education, and resources. Professional advice and consultations. Recommend for any financial guidance.
Emily G
I have worked with John and team for over 7 years now, and they have been outstanding in helping me plan my finances.My financial situation is in a much better place due to their guidance and support. I have gained confidence with working with my money and now make better choices when it comes to my finances. John has excellent communication and always takes the time to talk me through everything, so I understand, especially when it comes to Superannuation. Not only is John a superb financial advisor he has also been like a mentor to me, and I couldn't recommend him and his team enough.
Kate P.
Highly Recommend - Prior to engaging with John & The Apex Advice Team, I was financially disorganised & uncertain about my direction. Now after working with John & the team, I know I always have the right money in the right place at the right time. I now have full confidence in my direction. Things are explained clearly so I know exactly what we are doing & why.
Jack W.
John and his team ensure that I have the information relevant to my situation using easy to understand language to assist me to make informed choices. John shares his knowledge and shows the research behind his information. I appreciate this approach and feel secure and in control of my finances Thankyou
angela S.
Everyone needs to use Apex Advice for their financial planning. We wish we had contacted John years ago. John met with my wife and myself 3 times to get to know us, what we were looking for in retirement and what our current financial position was. John confirmed that we could have more than we thought and outlined how it could make it happen, all at no charge. It was an easy decision to then sign up and put our financial security into John's hands.We have recommended that our kids should ring John and see what he can do for them. So should you.
Richard
John & the team have been absolutely fantastic to deal with.From my first interaction, John has been very professional and provided outstanding advice. Nothing is ever too much trouble and things get done very efficiently. The team have put some new practices into place that are super easy and I don't have to worry about a thing! Can highly recommend John & the Apex Team!!
Gabrielle C.
I never really saw myself as someone who would use a financial advisor but I took the plunge a few months ago and it's been the best decision I've made in years.John listened to our goals and provided some much needed guidance on how we are best to achieve them. He has given my wife and I clarity and a simple plan to follow.Johns extensive knowledge on often confusing subjects such as insurance, tax, banking and superannuation has really taken the stress out of all decision-making in these areas.After a few small tweaks to how cash now flows, I feel like I actually have more money which is always a great feeling.
Joseph F.
John made all the confusion around money management simple and easy to follow. He did all the background research and hard work to make my choices simple. John and his team were prompt and had all my paperwork organised within a couple of weeks. I would highly recommend for anyone who wants to get a head start on their finances.
Bryana B.
Since moving all of our financial planning to Apex my wife and I have been blown away with the expertise, energy and communication that John has provided us. We feel as though we now have a greater understanding as to how our super, insurance and investments are set up and working for us. We finally have our financial future in the right hands!
Ryan O.
AMAZING!! Couldn't recommend John highly enough. I have been putting off getting my finances in order for years and John was very easy going and very knowledgable which made it very simple to understand. If you want to get your finances in order to set you up for later in life, John is your man!
Tom M.
John has been amazing to deal with. He is prompt, professional and very knowledgeable. I would recommend him to anyone.
Damien H.
My wife and I needed some structure to our superannuation and retirement plans. John was fantastic, super professional, listened to exactly what we required and structured a plan accordingly. Would highly recommend.
Aaron D.
John Manserra has been absolutely wonderful and his professionalism has particularly been a God send to me over the difficulties of Covid 19. I would highly recommend him.
Michele H.
HIGHLY RECCOMENDOver the weekend I had to do a bit of reflection to appreciate where I’ve come from.There is no words that can explain how truley grateful I am to have met John. I perviously had a bad relationship with money due to past relationships and felt hopeless to fix my financial situation.Now almost 18 months on I am debt free and well on my way to achieing my goal of buying my first home. With John 's stratagies I now look forward to getting paid to see my balance grow and have a healthy relationship with money.Thankyou so much to John and the team at Hillross Geelong for all your help, you’ll never understand how much I appreciate it!!!
Lauren M.
John and his team have put in a lot of effort to understand our personal circumstances to come up with the best solution for my family. We are very excited and confident about our financial future.
Brett F.
From the beginning of my experience with john and the team at hillRoss I knew I was in good hands.The communication was always excellent and I never felt shy to ask for help or answers for anything.Although a little daunting at first, I’m happy to have committed and look forward to planning a future with the help of John and the team.
shaun B.
I couldn’t recommend John more highly. He helped to better understand how my income could easily support my investment and travel related goals. With John’s help I feel like I’ve had a pay rise and never feel like I’m hanging out for the next pay day to come. A big thanks to Mim for all her assistance as well, you are wonderful!
Tessa M.
John's guidance has helped my wife and I plan financially for our future as we move into our retirement years.I highly recommend John for his integrity, diligence and personal approach.
David R.
I really like the way John works, taking into account 'less straightforward' financial periods and also prioritising life goalsmuch appreciated!
Nicola G.
I was working a full-time job that paid quite well. Although, I still had a few credit card debts, and absolutely no savings.So, I seeked for help! Most of the financial planners I met, gave me a 'cookie cutter' advice on 'how much money to save before retirement', and on 'why I should buy a property'. It didn't resonate with me at all.John's first question was, "what is you ideal way of living?"I wanted to work for myself, travel and learn.Over the course of the next month and 4 meetings, John educated me in terms of basic financial literacy, and laid out a plan to get me out of debt while also saving money for my future business.In 9 months, I was debt free, started a small kombucha brewery, and planned a 2 week backpacking trip to Tasmania.If you want a humble and friendly dude that knows the game, listens to your goals, and then backs it up with result focussed solutions, I HIGHLY RECOMMEND JOHN!
Haan H
I couldn't recommend John more highly. I have worked with John on both a personal and professional level. It is obvious that his key strengths are attention to detail and the ability to adapt to each clients individual circumstances.John takes pride in listening to his clients objectives and and then implementing a plan of attack to reach such goals.
Daniel R.
John provides me with comprehensive advice on a range of financial products, from insurance & superannuation to investment portfolios. I have always been impressed with John’s professionalism, and personal service. John has always gone the extra mile to ensure his advice is tailored to my specific circumstances & needs.
Anthony D.
John has been amazing with clients. His honesty and integrity had made all Monday matters feel easy!
Stacey B.
Whatever the financial position you are in, whether it be having surplus funds to invest or just looking to formulate a strategy to get ahead, John and co have a wealth of knowledge to share, a track record of achieving excellence and a personable and sensitive nature.
Jarrod G.
If you are needing some financial advice be sure to speak with John in Geelong. He makes a point to understand what your financial goals and then sets up a plan to bring it to life.
David W.
Luke, we would like to thank you for your support and guidance over the past couple of years to help us improve our financial position and build wealth. We are very excited to be in the position we are now and have you to thank for it. We are eternally grateful.Tracie, Scottie & boys.
bfinancial - G.
Planning for potential misfortune isn't about living in fear, it's about taking smart precautions so you can recover faster.
1. Chat
Book a free 15-minute introductory phone call to see if we are the right fit to help you.
2. Options
We'll do the research and provide you with insurance options to suit your situation.
3. Sleep easy
We'll take care of all the paperwork and get the right amount of cover in place for you.
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!