The All-on-4 dental implant procedure is a full-arch solution that replaces an entire set of teeth using four dental implants. The implants are positioned to make the most of existing bone, with angled placement at the back of the jaw to avoid bone grafting. A fixed set of teeth is often placed within 1-3 days, which is why the procedure is commonly referred to as "teeth in a day." Final teeth are fitted after healing, following careful planning to support long-term comfort and stability.

All-on-4® dental implants may be suitable for people who have lost most or all of their teeth, or whose remaining teeth are failing. They are commonly considered for patients seeking a fixed, full-arch solution who want to avoid removable dentures. Suitability depends on factors such as overall health, jawbone condition, bite forces, and long-term goals, and is determined through careful assessment and treatment planning.

With the All-on-4® dental implant procedure, a fixed set of teeth can often be placed within 1-3 days. After consultation and detailed planning, surgery is performed to remove failing teeth and address any infection at the same time, followed by placement of provisional fixed teeth within this timeframe. Over the following 6 months, bite and aesthetics are refined as healing takes place. The final, permanent set of teeth is fitted once healing is complete and long-term stability has been confirmed.

All-on-4 dental implants require daily care, similar to natural teeth. While the teeth are fixed and not removable like dentures, consistent oral hygiene helps support the long-term health and function of your implants. Daily care typically includes brushing twice a day with a soft toothbrush and non-abrasive toothpaste, and using a water flosser (such as a Waterpik) to clean under the implant bridge where it meets the gums. Regular 6-monthly dental check-ups and professional cleans are also important to keep the surrounding tissues healthy. Your dentist will provide personalised aftercare instructions based on your individual restoration and needs.

The All-on-4 dental implant procedure is generally well tolerated. The surgery can be performed under general anaesthesia for patient comfort. After the procedure, some swelling and mild discomfort are expected as part of normal healing, and your dentist will prescribe appropriate medication to help manage this. Swelling typically peaks around day 3 or 4 and gradually settles, with most symptoms resolving within up to two weeks.

All-on-4 dental implant treatment typically starts from around $24,000. The total cost can vary depending on several factors, including: the type and quality of implants used the final teeth selected whether any additional procedures are required as part of your treatment Because treatment is highly personalised, a detailed consultation is needed to provide an accurate cost. At The Point Dental, we also offer flexible payment plans and can assist with early release of superannuation, where appropriate, to help make treatment more accessible.

Yes. The All-on-4 procedure can be performed under general anaesthesia, allowing you to be fully asleep and comfortable throughout the surgery. At The Point Dental, general anaesthesia is provided in-house, with an experienced anaesthetic team working alongside our dental clinicians in the same facility. While general anaesthesia for dental treatment is available in Australia, only a small number of dental clinics are equipped to offer this level of in-house service, allowing care to be delivered in a coordinated and controlled environment. This option is particularly beneficial for patients with dental anxiety or those who prefer not to be awake during complex procedures. Suitability for general anaesthesia is carefully assessed during your consultation to ensure safety and comfort at every stage.

Initial recovery usually occurs over the first few days to 1-2 weeks. After a short period of swelling and mild discomfort, most patients feel comfortable and are able to return to normal daily activities, including work, within a few days. Full healing and stabilisation of the implants then take place over the following 6 months. During this time, patients typically do not feel anything at all, while the implants integrate and the bite is monitored before the final teeth are fitted.

You can travel after receiving All-on-4 dental implants, but it's generally recommended to wait at least 2 weeks before flying. This allows time for initial healing and helps reduce the risk of issues related to swelling or changes in air pressure. At The Point Dental, your dentist will provide personalised guidance on travel timing based on your treatment plan and recovery progress, helping ensure a smooth and comfortable recovery. Are there flexible payment plans or early superannuation options for All-On-4? Yes. At The Point Dental, we offer flexible payment plans and can assist with early release of superannuation, where appropriate, to help make All-on-4 dental implant treatment more accessible. Our team can guide you through the available options and support you with the necessary information and paperwork as part of your consultation, so you can make an informed decision that suits your circumstances. What's the difference between All-On-4 and traditional dental implants? All-On-4 Dental Implants are a modern, cost-effective solution for full mouth restoration that uses just four strategically placed implants to support a full arch of teeth. In comparison, traditional dental implants may require 6-10 implants per arch, often combined with bone grafting which significantly increases treatment time and cost. With traditional implants, the full process, including healing, bone grafting and final teeth placement, can take up to 18 months to 2 years. All-On-4, on the other hand, avoids bone grafting in all cases and allows you to walk away with new, fixed teeth in just 1 to 3 days. Fewer implants also mean lower overall cost, less surgical complexity and a faster, more comfortable recovery. It's the ideal option for those looking for a permanent, life-changing smile without the long wait or high expense of traditional methods.

Absolutely. All-On-4 Dental Implants are a modern, permanent alternative to traditional removable dentures, offering unmatched comfort, function and aesthetics. Unlike dentures, which can slip, click or cause discomfort, All-On-4 implants are fixed in place, giving you the freedom to eat, speak and smile with confidence. With All-On-4, you get: A full set of fixed teeth in as little as 1 to 3 days No need for adhesives or removal at night A natural-looking smile designed just for you Stronger bite force so you can enjoy all your favourite foods Improved jawbone stimulation, helping prevent bone loss While dentures rest on your gums and can lead to further bone shrinkage and facial sagging over time, All-On-4 implants anchor into the jawbone, preserving your facial structure and providing long-term stability. If you're tired of the discomfort and limitations of dentures, All-On-4 Dental Implants could be the life-changing solution you've been searching for.

Yes. Smokers can get All-On-4 Dental Implants, but it's important to understand the added risks involved. Smoking affects blood flow, slows down healing, and increases the risk of implant failure. However, at The Point Dental, we've successfully treated many patients who smoke by tailoring their treatment plan and providing extra support before and after surgery. We strongly recommend: Stopping smoking before surgery (even temporarily) to improve healing Following a strict aftercare routine to reduce complications Having a thorough consultation and 3D bone scan so we can assess your suitability Our team has extensive experience performing All-On-4 procedures for patients with a wide range of health backgrounds, including smokers. During your complimentary consultation, we'll discuss all risks and guide you through the best path forward for a successful full mouth restoration.

All-On-4 Dental Implants are fixed, natural-looking teeth that are custom-designed to resemble and function like real teeth, without the bulkiness of dentures or overdentures. Unlike traditional dentures or implant-retained overdentures, which can feel bulky in the mouth and often cover the roof of the mouth, All-On-4 teeth are slim, streamlined, and feel much more natural. Here's how they compare: All-On-4 Teeth: Fixed, non-removable, slim profile, no plastic on the palate, custom-designed for your face. Dentures & Overdentures: Removable, often bulky, may slip when speaking or eating, and require adhesive. Each All-On-4 smile is crafted using high-quality materials like zirconia or reinforced acrylic, tailored to your preferred shape, size, and colour. These implants don't just look real. They function like real teeth, too. And because All-On-4 is a permanent solution, there's no need to take them out or deal with awkward maintenance routines.

All-on-4 is not an occasional procedure at The Point Dental, it is a core part of what we do. Our team plans and performs full-arch implant cases regularly, following a structured, evidence-based approach refined through thousands of cases. Every treatment is carefully planned using advanced digital workflows, with an emphasis on precision, predictability, and long-term stability.

Bone Loss? No Problem: Our angled implants use your existing bone density, avoiding grafting and preserving facial structure. Four implants, Less Surgery: Fewer implants mean less pain, a shorter recovery, and lower costs. Immediate Results: A full smile in 1-3 days with provisional teeth that allow you to eat, speak, and smile confidently right away 98% Success Rate: Proven durability and stability for a lifetime of confident eating, speaking, and smiling.

One Team, One Location: In-house general anaesthetic facility and specialist, highly trained team Immediate Results: Complete treatment in 1-3 days Nobel Biocare Affiliation: We use only genuine Nobel Biocare implants Expertise: Dr. Wilfred Koon is trained by the creators of the All-on-4 concept and is an awarded practitioner Dental Fear Specialists: As leading dental fear experts in Melbourne, we ensure a comfortable, anxiety-free experience How does the All-on-4 procedure differ from traditional dental implants? The All-on-4 procedure differs from traditional implants by using fewer implants (4 vs 6-8), having a faster completion time (1-3 days vs. up to 12 months), and often eliminating the need for bone grafting.

The procedure is called "All-on-4" because it uses four implants to support an entire arch of replacement teeth.

All-on-4 can replace a full arch of 10 to 14 teeth.

Yes, All-on-4 is designed to be a permanent solution for missing teeth.

In many cases, yes, you can get all-on-4 dentures; the angled placement of implants in the All-on-4 technique often allows for implant placement even with reduced bone density.

There is no specific age limit mentioned; suitability depends more on overall health and bone quality than age.

It is possible. Please discuss this with your dentist beforehand.

In most cases, it is still possible to get All on 4 dental implants.

One of the advantages of All-on-4 surgery is that it often eliminates the need for bone grafting, even in cases of reduced bone density.

All-on-4 implants are ideal for patients seeking a fixed, permanent solution with improved stability and function, while traditional dentures are removable and may be less stable. What's the difference between All-on-4, All-on-6, and All-on-8 implants? The difference lies in the number of implants used per arch: All-on-4 uses four implants, All-on-6 uses six, and All-on-8 uses eight. The choice depends on factors like bone density and the level of support needed for the prosthesis.

Look for a dentist such as The Point Dental with extensive experience in All-on-4 procedures. We use genuine Nobel Biocare implants and have access to advanced diagnostic tools.

Yes, many patients transition from traditional dentures to All-on-4 implants for improved stability, comfort, and function. A consultation will determine your suitability based on jawbone health and other factors.

All on four implants are suitable for individuals missing most or all teeth in an arch who want a permanent solution. Our dentists will evaluate your oral health, bone density, and treatment goals to confirm if it's the right option.

Schedule a consultation with our qualified dentists. They will address your concerns, explain the process in detail, and provide personalised recommendations Procedure & Surgery

The process involves an initial consultation with diagnostic imaging, treatment planning, implant placement surgery, and attaching temporary teeth on the same day, followed by a healing period and placement of permanent prosthetics later.

The surgical procedure typically takes 2-4 hours per arch, while the entire process, including healing and final restoration, can span 3-6 months.

The all on 4 surgery itself is pain-free due to local anaesthesia and we offer full sedation services. Post-surgery, mild to moderate discomfort may occur but can be managed with medication.

Patients can opt for local anaesthesia, sedation, or general anaesthesia depending on their preferences.

The process generally requires multiple appointments: one for consultation, one for surgery, follow-ups during healing, and a final appointment for permanent teeth placement.

Yes, All-on-4 can be performed on both the upper and lower arches to restore full-mouth functionality.

Yes, temporary teeth are typically attached to the implants on the same day as surgery, allowing immediate function and aesthetics.

Titanium is commonly used for implants due to its strength and biocompatibility. Prosthetic teeth can be made from materials like acrylic, zirconia, or nanoceramics, depending on patient needs.

All-on-4 dental implants have a high success rate of approximately 98%, making them a reliable solution for tooth replacement.

Implant failure is extremely rare. If an implant fails, it may need to be replaced after addressing any underlying issues. Recovery & Healing

The recovery period for All-on-4 implants typically spans 3-6 months for full healing and fusion with surrounding bone tissue. However, most patients can resume normal activities within a few days after the procedure.

For the first few days, stick to a nutritious liquid diet. Then transition to soft or pureed foods for about 7 days.

You should avoid hard, crunchy, and sticky foods for about 3 months after surgery, or until your implant site has completely healed.

Yes, some swelling and discomfort are normal. The most intense pain and swelling usually occur within the first 48 hours. By the third or fourth day, most patients notice improvements, with swelling subsiding within a week.

Apply cold compresses to your cheeks for 15-minute intervals to reduce swelling Take prescribed medications as directed Gently rinse your mouth with a non-alcoholic saltwater solution after meals Avoid hot foods and beverages initially Abstain from smoking and alcohol during recovery

Most patients can return to work within a few days after the all on 4 implant procedure. However, it's important to follow your dentist's specific instructions and avoid strenuous activities during the initial recovery period. Cost & Insurance

Insurance coverage for All-on-4 implants varies. Some extra-coverage policies may partially cover the treatment, but full coverage is rare. Medicare generally does not cover dental implants unless deemed medically necessary.

Yes, we offer flexible payment plans to ensure you can access treatment.

All on four implants are more expensive than dentures due to the advanced technology, surgical procedure, and high-quality materials used. They provide a permanent, fixed solution that closely mimics natural teeth, offering better functionality and aesthetics compared to removable dentures.

The cost of All-on-4 typically includes the initial consultation, pre-surgery procedures, the implant surgery, a set of temporary teeth, post-treatment reviews, and x-rays. Benefits & Comparisons

All-on-4 implants provide superior stability, functionality, and comfort compared to traditional dentures. They are fixed in place, preventing slipping or clicking, and allow for normal chewing and speaking while also preserving jawbone health and maintaining facial structure.

All-on-4 implants require only four implants per arch, making the procedure less invasive, more cost-effective, and faster to complete than traditional implants, which may require 6-8 implants per arch and additional procedures like bone grafting.

Yes, All on 4s are designed to mimic the look and feel of natural teeth. They are securely anchored in the jawbone, providing a natural sensation when chewing or speaking, and their appearance is customised to blend with your facial aesthetics.

Yes, All-on-4 implants allow you to eat a wide variety of foods without restrictions once fully healed. Unlike traditional dentures, they provide the stability needed for chewing tough or crunchy foods.

Yes, All-on-4 implants improve speech by eliminating the slipping or shifting associated with dentures. They provide a stable foundation that allows for clear pronunciation and reduces discomfort when speaking. Longevity & Maintenance

All-on implants can last up to 25 years or even a lifetime with proper care. Clinical studies have shown a 98.8% survival rate after 10-18 years.

All-on-4 implants don't require a separate cleaning routine like dentures, but they do need proper daily care similar to natural teeth.

Care for All-on-4 implants by brushing at least twice a day with a soft toothbrush, flossing daily, and using a rubber tip gum stimulator.

Yes, you can brush and floss All-on-4 implants like natural teeth, but it's important to use a soft-bristled toothbrush and follow proper flossing techniques.

While the implants themselves are designed to be permanent, the prosthetic bridge may need replacement. High-quality ceramic bridges can last 15 years or more. Potential Risks & Considerations

Yes, this is possible but regular dental check-ups and maintaining good oral hygiene can help prevent these issues and ensure the longevity of the implants.

If an implant fails, it may need to be removed and replaced. With proper care, this is unlikely to happen.

Yes, infection is a potential complication of All-on-4 implants, typically occurring within the first month after treatment. Symptoms include pain, swelling, and bleeding and can be minimised by following postoperative care instructions and maintaining good oral hygiene.

Regular dental check-ups and proper oral care can help prevent or manage gum recession, maintaining the appearance and health of your gums.

Invisalign is a clear aligner system designed to straighten teeth discreetly, using removable plastic trays instead of fixed metal brackets and wires. It is more comfortable, less noticeable, and easier to maintain than traditional braces.

Invisalign treatment typically takes 6 to 18 months, depending on the complexity of the case and the patient's adherence to wearing the aligners for the recommended 22 hours daily.

Yes, Invisalign is an excellent option for adults seeking a discreet way to straighten their teeth. The treatment is effective for both adults and children, with similar timelines for results.

Invisalign is generally more comfortable than traditional braces, but mild discomfort or pressure may occur, especially when switching to new aligners. This sensation typically subsides within a few days as your teeth adjust.

Yes, retainers are essential after Invisalign treatment to prevent teeth from shifting back to their original positions.

Bridges are an alternative option for replacing one or more missing teeth by using your existing teeth adjacent to the gap for support. Bridges consist of an artificial tooth that is connected to one or more crowns. These crowns are cemented permanently to your teeth adjacent to the gap, essentially "bridging" the gap and fully restoring your smile.

Getting a dental bridge usually involves two or more visits. At your first appointment, the teeth on either side of the gap are carefully prepared to support the bridge, and digital scans are taken to design the replacement tooth and supporting crowns. A temporary bridge may be placed to protect the area while your permanent bridge is custom-made in a high-quality dental laboratory. At your follow-up visit, the final bridge is checked for fit, bite, and comfort before being securely cemented into place.

In most cases, you won't be left without teeth during the healing period, especially for front (anterior) teeth. When a temporary tooth is provided, it is carefully designed so it does not take biting forces, allowing the underlying implant to heal and fuse properly. This approach maintains appearance without compromising healing. For back (posterior) teeth, temporary teeth are not always placed, as these areas take most of the chewing load and aesthetics are less visible. We plan this carefully to protect healing and long-term success, and we'll explain exactly what to expect for your specific treatment before we begin.

Dental implants typically take 3 months to fully fuse with the surrounding bone. This process, called osseointegration, allows the implant to become stable and strong enough to support a final tooth. Healing time can vary depending on bone quality, the implant location, and individual health factors. We monitor healing closely and only move to the next stage once the implant is ready to ensure long-term success.

In many cases, yes, you can return to work the next day after dental implant surgery, especially if your job is not physically demanding. Some swelling or discomfort is normal in the first 24 to 48 hours, so light duties and rest are recommended. For more involved procedures, you may benefit from taking an extra day or two off. We'll advise you based on the extent of your treatment so you can plan your recovery comfortably.

Dental implants cost more because they're designed as a long-term solution, not a temporary fix. By replacing both the tooth and its root, implants help maintain jawbone health, allow you to chew comfortably, and don't rely on neighbouring teeth for support. Unlike bridges or dentures, they're planned to function like a natural tooth and are intended to last many years. For many patients, this means fewer future treatments and greater stability over time.

In some cases, yes. Dental implants may be eligible for early release of superannuation on compassionate grounds when treatment is medically necessary and specific criteria are met. Eligibility depends on your individual circumstances and fund requirements. Once your treatment plan is prepared, we can guide you through the process and provide the documentation needed for an application.

Smokers can still be candidates for dental implants, but smoking can affect healing and long-term success. It may increase the risk of complications during the fusion process. We assess each case carefully and will discuss ways to reduce risks and support healing if you smoke.

Leaving a missing tooth untreated can lead to shifting of neighbouring teeth, bite changes, bone loss in the jaw, and increased strain on remaining teeth. Over time, this can make future treatment more complex. Replacing a missing tooth helps maintain balance, function, and long-term oral health.

Many people with diabetes can successfully receive dental implants, particularly when blood sugar levels are well controlled. Healing may take longer, so careful planning and monitoring are important. We work closely with you to assess suitability and minimise risks before proceeding.

Dental implants have a very high success rate, typically around 95-99%. However, like any medical treatment, failure is still possible. Factors such as individual healing response, bite forces, smoking, and gum health can influence outcomes. The experience of the dentist, careful planning, appropriate technology, and regular follow-up all play an important role in long-term success.

Dental implants are surgically placed into the jawbone, acting as an artificial tooth root below the gums. The 'root' is made from bio-compatible titanium. This provides a solid foundation for the attachment of the replacement tooth, and the result is a permanent restoration that seamlessly blends in with your smile and acts like a natural tooth.

Dental implant surgery generally has a success rate of 95 to 99 per cent. The success of your dental implant relies on the level of care following the procedure. We will instruct you on how to take good care of the tooth with a daily oral hygiene routine to ensure you get the best result.

Our qualified dentists can determine whether dental implants are right for you with a comprehensive consultation. Your teeth will be thoroughly assessed using x-ray scans or CBCT scans. This will allow us to evaluate the condition of your teeth and jaw to decide if enough bone density is present to hold the implant in place.

Any dental procedure can involve some level of discomfort, which varies depending on the treatment and individual circumstances. At The Point Dental, your comfort is prioritised before, during, and after care. For patients who feel anxious or are undergoing more involved procedures, we offer Penthrox inhalation to help take the edge off and promote relaxation. For those who prefer to be completely asleep, we also provide in-house general anaesthesia, administered on site by a specialist anaesthetic team, removing the need for a hospital visit.

In the past, patients with insufficient bone were often excluded from implant treatment. Advances in implant planning and bone grafting techniques have since expanded the options available, allowing bone to be augmented where needed in selected cases. For patients who are suitable candidates for All-on-4, treatment can often be carefully planned to work with existing bone, without the need for bone grafting at all.

Bone grafting is a well-established and generally safe procedure. When grafting material other than your own bone is used, it is sourced from reputable, well-regulated suppliers and selected for biocompatibility and safety. As with any surgical treatment, individual healing response and clinical factors still play a role in outcomes.

Bone grafting typically takes additional 3-6 months to heal. Healing time can vary depending on the size and location of the graft, individual healing response, and factors such as surgical technique, planning, and the experience of the dentist.

Bone grafting is not always required for dental implants. Whether it is needed depends on existing bone levels, implant position, and the treatment approach chosen. Careful assessment and planning help determine the most suitable option.

In some cases, alternatives to bone grafting are available. Advanced implant planning and alternative implant positioning may allow treatment to be carried out using existing bone, depending on individual anatomy and clinical judgement.

The cost of dental bone grafting varies. Factors such as the type of graft, complexity of the procedure, and treatment planning all influence cost and are assessed on an individual basis.

Bone grafting has a high success rate, but failure is still possible. Individual healing response, infection risk, smoking, oral health, and surgical technique can all affect outcomes.

In some situations, implants can be placed at the same time as bone grafting. In other cases, a healing period of 3-6 months is required before implant placement, depending on bone stability, planning, and clinical factors.

Here at The Point Dental we understand that each and every patient and case is different. Keeping this in mind we ask that you come in for a personalised consultation so we can discuss the best options for your smile. We typically offer our patients the options of dental implants , bridges and cosmetic dentures to fill the gap left by missing teeth.

Times can vary greatly depending on each individual case and the severity of the issue, generally times are as follows: Single Dental Implant approx. 3 Months Porcelain Bridge approx. 2-4 weeks Cosmetic dentures take approx. 2-4 weeks and last approx. 5 years.

Once again, the lifetime of prosthetics can vary from case to case. It is recommended you take good care of the tooth and employ a daily oral hygiene routine well looked after implants and bridges can last for long periods of time. Single Dental Implants can last a lifetime if well cared for. Porcelain Bridges generally last for 10-15 years

Most people should come in every 6 months for a check-up and clean. This helps us catch any issues early and keep your smile feeling fresh and healthy. If you need a little extra care, your dentist might recommend more frequent visits.

Implant overdentures work by attaching a removable denture to dental implants placed in the jaw. The implants act as anchors, and the denture clips or connects to them using specialised attachments, improving stability compared to a traditional denture. The overdenture can still be removed for cleaning, while the implants help reduce movement and distribute biting forces more evenly.

Dentures sit on the gums and rely on fit and suction, which can become less stable as the jaw changes over time. Overdentures are supported by dental implants, offering improved stability and comfort, but remain removable. For patients seeking maximum stability, function, and long-term predictability, fixed full-arch implant solutions such as All-on-4 are often considered after careful assessment and planning.

Overdentures are designed to be more stable than traditional dentures and should not slip during normal eating. Because they attach to dental implants, they are held securely in place, significantly reducing movement compared to gum-supported dentures. However, some minor movement can still occur because overdentures are removable. The level of stability depends on implant number, attachment type, bite forces, and proper planning and maintenance.

"Fixed teeth" and overdentures are terms often used to describe implant-supported dentures. In many cases, these restorations are supported by dental implants and designed as a removable prosthesis that attaches securely to the implants. Because naming conventions vary, the same treatment may be described using different terms across clinics. What matters most is not the label, but how the prosthesis is designed, how it functions, and whether it suits the patient's long-term needs.

Yes, overdentures can often be upgraded to All-on-4 dental implants later. In many cases, overdentures are used as a transitional or stepping-stone solution. With proper planning, existing implants may sometimes be incorporated, or additional implants placed, to move to a fixed full-arch solution. Whether an upgrade is suitable depends on factors such as bone condition, implant position, overall oral health, and long-term goals, which should be carefully assessed before treatment.

Overdentures are removable. They attach securely to dental implants for improved stability, but are designed to be taken out by the patient for cleaning and maintenance. This is different from fixed implant teeth, which are attached permanently to implants and are not removed by the patient.

Cases can range from simple white fillings to porcelain veneers or crowns through to dental implants. If teeth are beyond the stage of rehabilitation, meaning that foundations are no longer present or are not stable enough for us to build upon and restore any number of these treatments may be required. Here at The Dental Point, we will assess each case individually to determine the best long-term solution for your oral health.

Every smile is different so it is important that you come in for a personalised consultation so we can discuss the best options to shape your new smile. In most cases, patients wishing to reshape their natural teeth are offered the options of Porcelain veneers and dental bonding.

Each treatment comes with its own benefits and disadvantages which will be explained in full by our highly experienced and qualified team. The best way to determine the best treatment option to suit your needs is to come in for a personalised assessment. Our highly qualified and compassionate team will provide you with a treatment plan that considers your individual concerns, desires and financial position. To book a consultation or discuss your options with on of our team members, contact us today.