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

You’re retired and you’ve set yourself up well financially. You have no debt, no job to lose, no (or little) taxable income, no kids eating your fridge out and ready access to capital. You’re the envy of every financially stressed 40 year old with years of pressure head of them; possibly your own children. You wonder how you can help but you don’t want to just hand over cash without a purpose, and you also don’t want to create dependency or expectations.
One of the biggest concerns facing Australians approaching retirement is the fear of running out of money. Financial experts have even coined a term for it: FORO (Fear of Running Out). While this anxiety is understandable, research suggests that many retirees may be more financially secure than they realise. By understanding the factors that influence retirement income and longevity, Australians can make more informed decisions and enjoy their retirement with greater confidence.