Allocated Pensions

Allocated pensions (also known as account-based pensions) are created using a lump sum from your super account which enables you to commence drawing a retirement income stream. In order to do this, you must have reached your preservation age.

 

Once you establish an allocated pension, the tax rate on any income or capital gains generated by your funds becomes 0%. In return, you must draw a minimum pension amount each year; this is generally determined by your age and is worked out as a percentage of your account balance.

 

Once you are aged 60, you won’t pay tax on any income paid to you from your pension and if you are aged between 55-59, the taxable portion of your account-based pension is taxed at your marginal tax rate less a 15% tax offset. This makes an allocated pension a very tax-effective option to fund your retirement.

 

Just like your super, the money within your allocated pension needs to be invested and this needs to be done with your financial and lifestyle goals in mind to ensure that your hard earned funds last throughout your retirement.

 

We recommend that you seek the advice of a financial professional in order to maximise your financial potential during retirement and ensure that you have the financial freedom to enjoy this highly anticipated phase of life!

Property

Whether you are looking to buy your first (or 10th) investment property or a family home; we can advise you on the “why” and “how” of buying property. We can also help with advanced property investment strategies including commercial real estate and buying a property within a Self-Managed Superannuation Fund (SMSF). Learn more

Superannuation & SMSF

We start with an analysis of your current super, explain your numerous options and then work with you to tailor a long-term plan that’s right for you. Advice strategies can include a range of contributions, tax minimisation, cost reduction, super consolidation, performance maximisation and specialist SMSF options. Learn more

Retirement

Whether you are already retired, in transition or just planning ahead, we can help you make the most of your resources by helping you to formulate a tax-effective investment strategy that caters to your lifestyle needs; taking into account Centrelink eligibility and estate planning concerns. Learn more

Estate Planning

Ensuring that your wealth is transferred according to your wishes, in a smooth and tax-effective manner, is key to your peace of mind. We can help you to plan for your dependants with efficient tax and ownership structures, revision and monitoring of your estate plan and income planning. Learn more

Insurance

Building your wealth is just as important as protecting it. Illness, injury and death all have a significant impact on both your family and finances. We can help to make sure that you look after yourself and your loved ones with an assessment of your financial risk and implementation of a tailored risk-management package. Learn more

Lending

Whether you are seeking to refinance your existing loans or are looking at using new debt to fund either personal, business or investment goals, we can assist by assessing your borrowing capacity, advising on loan structures, shopping around for an appropriate lender and making sure you have access to the most competitive interest rates. Learn more

Make an Appointment

Are you ready to take action?

If you are ready to start making changes to your financial future and meet with an expert adviser, please make an appointment using the form below.

Download
an Ebook

Interested in learning more?

Download our free eBooks and start learning more about your current and future financial well being