SUPERANNUATION PLANNING & ADVICE

The value of financial advice when tragedy strikes – a personal story

The story below was written by one of our long-time clients Kelly Exeter who lost her husband Anthony (Ant) in a freak accident two years ago. It is rare but …

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Salary sacrificing into super

If you are earning more than you need to live comfortably, salary sacrificing may be an attractive option to reduce your tax, boost your superannuation and prepare for a more …

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Superannuation is not a case of ‘set and forget’

The government regularly reminds us that each Australian must take responsibility for funding their future. Regardless of when you will be able to access your super, or when you choose …

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Salary sacrifice vs personal contributions to super

If you are an employee, there are two ways in which you can optimise the tax effectiveness of your additional super contributions: opt for a salary sacrifice arrangement, whereby your …

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The upside of a market downturn

Most people view share market downturns as unequivocally bad events. Suddenly, hard-earned savings aren’t worth as much as they were yesterday. It seems as if our money is evaporating, and …

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If you think you’d never fall for a scam, read this

If you are aged over 50, male, highly educated, financially literate and manage your own super, beware. You’re at a higher risk of being the target (and victim) of organised …

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How much income do you need in retirement?

Many people will say they are dreaming of retirement, but some are not taking the necessary action to make it a reality. In fact, there are not too many people …

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How much super should I have?

It’s all very well having retirement savings as a financial goal, but just how much should you plan to have in your super balance now, and when you retire? Above …

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What’s your magic number?

According to a recent survey *, Australians tend to underestimate the amount of money needed in our retirement years by as much as 20%. Survey respondents, including active Australian investors, revealed …

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When is a good time to retire?

There has been much social and political debate since the federal government proposed pushing out the age at which Australians can access the age pension. Although most occupations don’t have …

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Downsize your home, upsize your super

Over 65? Thinking of selling your home? From 1 July 2018 you may be able to contribute up to $300,000 ($600,000 for a couple) from the proceeds of the sale …

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Early access to super

We all know that our superannuation is there to provide for our financial needs in retirement. That means we can’t usually access our super until we reach preservation age and …

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The role of estate planning in super

If you are thinking that a so called ‘Self-Managed’ superannuation fund (SMSF) might be suitable for you, one of the critical areas to address in the set-up phase is how …

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5 step superannuation check

Since you can’t access your superannuation until you reach a “Condition of release” which is for most people is retirement and that may be a long way off for some …

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The future for retirement

Research over recent years suggests that the secret to a long and healthy life is to continue working and to stay in control of your finances and life. The nature …

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