Value the Future

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Phone: 0437 554 653

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What we offer

1 Jan 2018

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Super and SMSF

Superannuation is a great way to save and invest for your retirement.  

A Gold Leaf Financial Planner can provide financial advice regarding

Retirement funding:  how much money you will need to fund your retirement

Super strategies:  including additional super contributions, salary sacrifice, transition to retirement pensions, the government super co-contribution and more.

Self Managed Super Funds (SMSF):  Advice and assistance managing your SMSF including investment strategy and insurance considerations. Also whether to establish a SMSF,  note that for an SMSF as a general rule you will need a super balance over $200,000 and you will need to be comfortable with the added responsibility of being a SMSF Trustee.  

Additional super contributions:  (within the super contributions limits) in order to save for retirement, including salary sacrifice, personal concessional contributions and personal after tax contributions

Investments:  reviewing your super fund investments to make sure your retirement savings are working for you and are invested according to your values

Organising your super:  to make your accounts easier to manage.  You may have a number of super accounts and in some cases, it is appropriate to consolidate your super into one account to save fees.  However before closing any super accounts it is important to check with your super fund if you hold insurance cover as it may be appropriate to keep the fund open to retain your insurance.

 

Projections:  when you can retire and how long your super will last in retirement

Super pension:  starting a pension with your super savings to provide income, and

Insurance:  reviewing your insurance cover through super to make sure you and your family are protected in the event of illness, death or disability

 
Appointments

For financial advice to help you reach your dreams.

Sam and Alice save for retirement

When their youngest child Tim moved out of home to study at University, Sam and Alice started to think about whether they were saving enough money for retirement. 

 

They saw a Gold Leaf Financial Planner and discussed their values and goals.  Sam and Alice would like to continue their current lifestyle and want to make the most of their additional savings as now Tim is mostly independent.  A recommendation was made to change their super to make sure it was invested in line with their ethical values and would grow for retirement.  The adviser also recommended making additional mortgage repayments and salary sacrificing to super. 

 

By following their financial planners’ recommendations, Sam and Alice will be debt free and have an extra $500,000 at retirement.  They will also be able to travel, renovate the kitchen, enjoy their hobbies of tennis and photography and volunteer with their favourite community groups.