Superannuation Advice

Superannuation has tax concessions in both accumulation and pension phase which make it an important part of financial planning for employees, self-employed and retirees alike.

We help work through the different types of superannuation contributions available to you and the caps that apply.  Good superannuation advice is just as much about avoiding costly mistakes as it is taking advantage of the right options such as:

  • Salary sacrifice,
  • Spouse contributions/splitting,
  • Co-contributions,
  • Personal contributions (concessional or non-concessional)
  • Downsizer contributions.

If you have or are considering a self-managed superannuation fund (SMSF) then we can help you assess whether it is right for you, and to set up and maintain one going forward.  We also work with retail super funds, employer funds, government schemes and industry funds.  In short, it’s about what works for you, not what works for us!

Request an appointment for Superannuation Advice

Latest insights

A financial planner can provide advice on a whole range of financial matters you could be dealing with at different life stages. They can help you manage your debts, plan for retirement, save for your kids’ education and invest in assets, including property. Whether you’re buying your first home, starting a family, changing careers or planning for life after your kids leave the nest, financial planning can offer you all sorts of benefits..
At a time when both share and fixed interest volatility is heightened, it’s important to point out the importance of looking at the long term returns and riding out any short-term hiccups. It’s also worth noting that interest rates on cash are still very low, so while it’s a safer option compared to shares, it’s not necessarily a profitable one given the current inflationary environment. That’s where alternatives come in and why we often include them in our portfolios.
What is deeming? Services Australia (Centrelink) use “deeming” rules to work out income from your financial assets. The actual “deeming rate” (refer below) is the rate of income the government assumes a person's financial assets have earned. It forms a part of the income test for certain Centrelink payments, including the Age Pension. It can affect how much Age Pension a retiree receives.