Superannuation Advice

Peace of mind throughout your retirement

Superannuation provides a minimally taxed environment to save for your future. By investing within the superannuation effectively, we can help you reduce your tax liability and boost your financial position – allowing you to live the life you love in retirement.

We work with you to create personalized strategies; this includes analyzing your cash flow requirements and retirement goals.  We can help you fast-track your superannuation savings, reduce your income tax, and take advantage of all superannuation contribution benefits.  For those interested in investing through a Self-Managed Superannuation Fund – we can also assist.

We understand the importance of planning for a secure retirement – which is why investing tax effectively within the superannuation environment should be considered as part of any successful investment strategy.

Our superannuation advice covers:

  • Ascertaining the appropriateness of additional superannuation contributions
  • Superannuation strategies including retirement planning and maximising death benefit payments
  • Superannuation investment rules including borrowing for property in superannuation
  • Self Managed Superannuation Funds (SMSF).

Superannuation Strategies

Superannuation strategies need to be tailored to ensure you are paying minimal tax, creating maximum wealth and ensuring you take full advantage of the possibilities for your family upon your death.

One of these strategies may apply to you if:

  • You are between 55 and 65 years of age, working and not on a Transition to Retirement Pension;
  • You want to borrow money in your superannuation fund;
  • You have excess savings and you are not salary sacrificing into Superannuation;
  • You are between 60 and 65 years of age and have recently changed jobs, or are about to;
  • Your spouse is older than you and aged 50 or greater;
  • You are aged 51 to 55 and are not utilising a pre-retirement strategy; or
  • You are receiving an Account Based Pension and are over 60 years of age but younger than 75 and you are not drawing additional pension and re-contributing it back into your superannuation each year (this strategy can save your family $22,500 per year on your death).
how can we help you?

Contact us at the Smart Wealth Financial Solutions office or submit an inquiry online.

I am exceptionally happy with the quality of the advice and service that I continue to receive from Chris. Over the years I have been impressed with his breadth of knowledge and expertise, and his ability to deliver it in a simple to understand manner.

Tony Marshall
Long term client