Tim Kay is a specialist life insurance adviser at Ashfords Wealth Advisors, based in Melbourne. Part of a multidisciplinary accounting and financial advisory firm, Tim brings focused risk advice into broader wealth and business planning conversations. His path into insurance was shaped by seeing first‑hand the stress families and businesses face when health events strike without proper cover. That clarity has kept him grounded in one mission: to help clients protect what matters most.
Tim works closely with business owners, professionals, and family groups navigating complex risk needs. Whether it’s Life, Trauma, Total and Permanent Disability (TPD) or Income Protection cover, his advice is tailored to each stage of life and business. He is particularly known for his work in business succession and continuity planning, ensuring that shareholder agreements, buy‑sell funding, and key person protection are all backed by the right insurance structures. Tim takes pride in simplifying these often‑overlooked areas and advocating for clients when it counts most – during claims or major life changes.
With over 15 years in financial advice, Tim draws on both deep technical knowledge and a calm, personable style. He collaborates closely with Ashfords’ in‑house accountants and legal partners to ensure each strategy is tax‑efficient and aligned with broader estate or business goals. Clients appreciate his straight‑talking approach and his ability to walk them through tough scenarios with care and clarity.
Outside of client work, Tim contributes to adviser education through webinars and peer conversations – including his Risk Conversation feature on navigating succession risk and shareholder protection. His commitment to practical, human‑focused advice continues to earn the trust of clients and referrers alike.
