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Why would you need Financial Advice | Wealth Creation | Wealth Protection
Retirement Planning | Small Business Services
Superannuation
A vehicle that is used for saving money for your retirement. Contributions are made by your employer, individuals and self employed people.
The different types of contributions are:
SG Award – Employees
Personal – Individuals
Spouse – Individuals
Salary Sacrifice – Employer Employee Agreements
Self Employed – Director/Self Employed
Government co-contributions may also apply to individuals who make personal contributions to super. Basically, the government will match your contribution amount subject to eligibility conditions.
Retirement Income
This can be in the form of self funded Allocated Pensions, Annuities or investment income. Also Centrelink benefits and other government supported benefits may need assessment.
Centrelink Analysis
Aged Pension, Allowances, Dept Veteran Affairs and Disability Pensions are common areas where advice can be sought. www.centrelink.gov.au
Redundancy
Do you take benefits as a lump sum or roll into super first? Determining the best strategy for you may save you lots of money in short term and for the future.
Self Managed Superannuation Funds
Choosing your investments and your investment strategy for your Self Managed Superannuation Fund is critical. Professional Advice in this area can enhance your returns and reduce your risks in this specialised area.
Superannuation choice
Employees can now choose from Industry Funds, Master Trusts, Retail Funds and do-it yourself super funds. This means you are not limited to the fund your employer chooses. Legislation allows employees to either do nothing or make changes. It is important that you speak to your Financial Planner about your circumstances so that they can decide if the change is best for you.
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