Start Here: Expert Protection Advice for Your Situation

Peace of Mind Starts with Understanding

Life's uncertainties shouldn't keep you awake at night. As a Financial Planner specialising in personal risk insurance, I've helped hundreds of Australians protect what matters most to them. Whether you're raising a young family, building a business, or establishing a professional career, I'll help you create a protection strategy that gives you confidence in your future.

Understanding the Difference Between General and Personal Financial Advice

At Moore Simmons based in Adelaide, South Australia, we believe it’s essential that you understand the type of advice you’re receiving and how it applies to your personal circumstances.

Our goal is to provide clarity, transparency, and confidence in every step of your financial journey.

General Advice

General advice provides information or opinions about financial products without taking into account your personal goals, financial situation or needs.

It’s designed to help you understand the general features and benefits of different products or strategies, but it does not include a personal recommendation.

For example, we may explain how life insurance or income protection insurance works, or outline the key differences between superannuation funds, without suggesting which option is best for you.

Before acting on general advice, you should always consider whether it suits your circumstances and review the relevant Product Disclosure Statement (PDS).

Personal Advice

Personal advice is tailored specifically to your individual objectives, financial position, and needs. This advice is provided after understanding your situation in detail and is designed to act in your best interests, in line with the Corporations Act 2001 and ASIC’s best interest duty.

As of 28/12/2025 Simon Croxton and Moore Simmons do not offer personal advice due to circumstances out of our control. Simon

had provide this type of advice from Jan 1996 and understand well what is required.

Should you require Personal Advice we will refer you to a trusted colleague.

Our Commitment

At Moore Simmons, we take the time to explain the difference between general and personal advice so you can make informed, confident decisions about your financial future.

Whether you’re seeking insurance advice, superannuation and SMSF guidance, or retirement planning in Adelaide, our advisers are here to help you make the most of your money — today and for the years ahead.

Finding Your Path to Protection

I often work with:

Young Families

Balancing mortgages, reduced income during parenting years, and the desire to protect your children's future? Learn how we can help young families →

Business Owners

Your business is more than an asset - it's your legacy. From succession planning to key person protection, discover how we protect business owners →

Medical Specialists

Your earning potential is extraordinary. So are the risks to your ability to practice. See how we protect medical professionals →

Beyond These Common Situations

While these scenarios represent many of my clients, every situation is unique. Perhaps you're:

A professional couple planning for children
Approaching retirement and reviewing your protection
Starting a new career phase
Looking to protect a specific aspect of your lifestyle

Whatever your circumstances, I'm here to help you understand your risks and options.

My Approach to Protection

As your adviser, I will:

Take time to listen to your requests
Explain concepts in factual terms
Compare policies across 9 leading Australian insurers
Structure your protection tax-effectively
Provide ongoing support as your needs evolve

Why Choose Professional Advice?

Getting the right protection isn't just about choosing a policy - it's about understanding:

Which risks matter most for your situation
How different policies work together
The crucial details in policy definitions
Tax-effective structuring options
Integration with your broader financial planning

Take the First Step

Let's have a friendly, obligation-free discussion about your protection needs. Contact me on 0411 519 209 or email simon@mooresimmons.com.au to arrange a time that suits you.