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Superannuation & SMSF

Superannuation is one of the most complex, yet critical investment structures. We all depend on our super in future and need to start planning as early as possible to ensure that the most is being made of generous tax-concessions and available investment opportunities.

We can help you to make the most of your financial future by:

  • Analysing your current super fund/s to provide you with complete visibility via a fee and performance summary.
  • Explaining your options and then working with you to tailor a long-term plan
  • Consolidating multiple super accounts so that you can reduce your costs.
  • Developing an appropriate investment strategy for your situation.
  • Advising on a range of contribution strategies
  • Ensuring that you are maximising the tax concessions available via Superannuation as part of a comprehensive financial plan.
  • Providing specialist SMSF advice.

Along with the benefits that a Superannuation tax environment provides, there are numerous and strict laws regarding what you can and cannot do with your money. It always pays to get the advice of a professional to ensure you are maximising your financial potential within the framework of rules.

SMSFs can offer investors a range of additional opportunities and control, but with these benefits, comes additional regulation. It is important that you deal with a SMSF Specialist that can ensure your fund is structured correctly and is compliant with relevant legislation.

For most Australians, superannuation will be the most tax efficient investment they have.

What is Superannuation?

Superannuation is the Government preferred way to save for your retirement. Tax benefits make it one of the most effective ways to build savings for your retirement.

Are there Superannuation Taxes?

Taxes are dependent on the amount you contribute and when you contribute. Tax rates are generally lower than an individual personal tax rate if they invest outside of superannuation.

What are the benefits of Superannuation?

  • Superannuation savings are preserved
  • Contributions may attract tax reductions
  • Access to the funds is restricted until you meet certain criteria
  • Ensures savings for your retirement
  • Reduced income tax in your retirement

Why increase your Super Contributions?

Small differences can have a significant effect towards your long term goals. However, there are restrictions on the amount of additional contributions that can be made to superannuation in a financial year and financial penalties for exceeding contribution limits.

What is the Right Super Fund?

What to consider when selecting a super fund:

  • Fees
  • Investment options and if they are suited to you
  • How much you will need at retirement
  • What is the best way to make super contributions to achieve your retirement financial goal

We can help you determine if your existing superannuation fund suits your financial goals or whether there are better alternatives.

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.

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