EvolvU Financial Services

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EvolvU Financial Services Insurance made simple. Protection made personal. Tech-driven risk & life-insurance advice for Aussies. https://www.evolvu.com.au/start-here

Transparent, jargon-free, and personalised—book your complimentary 30-min cover review.

15/10/2026

Income protection through super: do you know how much it would pay, and for how long?

Insurance in your super can be a good starting point. The important thing is understanding what you actually hold.

For example, $2,000 a month is $24,000 a year before tax. If the full amount were paid for 24 months, it would total $48,000.

Check your latest super statement and insurance documents. Look for the monthly benefit and how long payments could continue if you remain eligible.

If you would like a review of your personal insurance, you’re welcome to get in touch with EvolvU. Start with understanding your current cover, not replacing it automatically.

11/10/2026

How much are you really worth?

Not your house. Not your car. The income you still have ahead of you.

If you’re 30 and earn $100,000 a year, another 35 years of work adds up to $3.5 million before tax, even without a pay rise.

Your income pays for everyday life, from groceries and mortgage repayments to weekends with the family. That’s why income protection insurance is worth understanding.

If you’re curious about your own number, try EvolvU’s income-worth calculator. You can use it without entering your name, phone number or email.

https://evolvu.com.au/income-worth (link in bio)

I’m Tim, a Scarborough-based financial adviser helping Perth families and professionals make personal insurance easier to understand.

I insure the thing that pays for everything else.

The earnings example assumes continuous work at the same income, with no adjustment for tax or inflation. It is not your net worth or a recommended amount of insurance.

General information only. This does not take into account your personal circumstances. Insurance benefits depend on the policy’s terms and conditions.

03/10/2026

Your life is a Jenga tower. Your income is the bottom block.

The mortgage, the groceries, the bills and the car all sit on top of it. Take out one of those and the tower wobbles. Take out your income and everything comes down.

Most Australians insure the house, the car, even the pets. Far fewer insure the income that pays for all of them.

Income protection sits under that bottom block. If illness or injury stops you working, it can replace part of your income so the rest of the tower stays up.

Save this for when you next review your insurance, and send it to someone who’s the main income earner at home.

General information only. It doesn’t take into account your objectives, financial situation or needs.
Tim Grapiglia AR 1270674 and Evolvu Pty Ltd CAR 1313326 are Authorised Representatives of Synchron Advice Pty Ltd AFSL 243313.

18/06/2026

One year of EvolvU. 40+ individuals protected. And I’ve only just started.
To everyone who trusted me to help safeguard your family and your income this past year - thank you. It genuinely means the world.
I’ve been too quiet here. That changes now. Because too often I see the cost of having no cover when life goes sideways - and my job is to make sure you can make an informed decision before that day comes.
Whether it’s with me or another adviser you trust, don’t leave it to chance.

Did you know the waiting period you choose can make a massive difference to your premiums?A waiting period is simply the...
01/10/2025

Did you know the waiting period you choose can make a massive difference to your premiums?

A waiting period is simply the time you need to be off work before your Income Protection kicks in.

The key is to balance what you can afford with what you need.

- Add up your sick leave + savings
- Match that to your wait period

Cheap cover can cost you later. Real value is in cover that is catered to your needs.We’d rather spend a few extra weeks...
25/09/2025

Cheap cover can cost you later. Real value is in cover that is catered to your needs.

We’d rather spend a few extra weeks getting it right, than to watch a family’s world fall apart later because an online policy said “no” when it mattered. The time spent upfront is how you future proof the people you love, and your finances.

Yes, you can jump online and get covered in an hour, but we provide you with so much more. The real difference is how we structure, explain, and support you when life doesn’t go to plan - and will make sure your insurance actually works.


Did you know the default insurance in your super probably isn’t built for your life?The “default” cover is designed for ...
18/09/2025

Did you know the default insurance in your super probably isn’t built for your life?

The “default” cover is designed for the average member...not for people with a mortgage, kids, or anyone relying on their income.

They key is making sure what you are insured actually matches your debts + future living costs.

Protection # TPDCover

Thinking about cancelling your life insurance to cut costs?It might seem like an easy saving, but the long-term conseque...
31/07/2025

Thinking about cancelling your life insurance to cut costs?

It might seem like an easy saving, but the long-term consequences could cost you and your family far more.

👉 Swipe through to find out what really happens when you stop paying, and the options you might have before making that decision.

The more you know, the better you can protect your future.
📞 Chat with Tim, obligation-free and always judgement-free
🖥 www.evolvu.com.au

If you’ve ever wondered how a pre-existing condition affects your ability to get life or income protection insurance, he...
28/07/2025

If you’ve ever wondered how a pre-existing condition affects your ability to get life or income protection insurance, here’s the short answer: it depends, but it’s absolutely possible.

A pre-existing condition is any illness or medical issue you had before applying for cover. It doesn’t mean you’re automatically excluded, but it does mean you’ll need the right advice.

With the right strategy and insurer, many people with health history still get the protection they need. We help you understand your options, manage exclusions, and apply with confidence.

No stress. No guessing. Just clear guidance that puts you in control.
📍 Based in Scarborough and working with clients Australia-wide
📞 Book your free consult via the link in bio

Address

166 Brighton Road, Scarborough
Perth, WA
6018

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