Superannuation
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We educate & guide you with expert strategic advice to achieve your dream lifestyle.
Your largest investment
Superannuation is still the most tax effective structure to build wealth and fund retirement. For most Australians, superannuation will be their largest investment asset by the time they are near retirement age.
However, superannuation is complex and at times frustrating. Not to mention the Government constantly tinkering with superannuation rules. No wonder it’s confusing!
Superannuation is still and will always be the most tax effective wealth creation tool available to all Australians, so should be used wisely and to its full potential.
As a self licensed firm, you can have complete confidence that advice about your retirement savings will be given without bias.
Self-managed super/ Industry or employer funds / retail and platforms funds. They all have their place and use, features pros and cons. Our advisers can help unravel the complexity and cut through the noise.
Simplify
– Do you have multiple super funds?
– Could you even have lost super at some point in your career?– Have you calculated your current super balance against your retirement goals?
– We can help you track them and consolidate.
Super Review
– How should your super be invested?
– Can you still contribute after you have retired?
– Should I access my super via lump sums or regular payments?– How can I reduce superannuation fees to assist with growth?
Contributions
– Are you making the most of concessional and non-concessional contribution caps?
– Have you made any personal deductible contributions?
– Are you aware of the carry-forward and bring-forward contribution rules?
Investment Options & Risk
– How comfortable are you with investment risk and market fluctuations?
– Would diversification or ESG (ethical) investing be important to you?
Insurance within Super
– Do you have life, TPD or income protection insurance through your super fund?
– Are your insurance premiums reducing your super balance significantly?
Estate Planning
– Have you nominated binding beneficiaries for your super?
– Is your super included in your broader estate plan or will?
– Would your current nominations reflect your wishes today?