Superannuation is likely to be your largest financial asset outside the family home. Most Australians leave significant money on the table by not paying attention to it. We help you change that.
Superannuation is a tax-effective investment vehicle, an insurance platform, an estate planning tool, and your primary retirement funding mechanism — all in one. The decisions you make about your super over your working life have a compounding effect that most people significantly underestimate.
A 1% improvement in investment returns or a modest increase in contributions in your forties can translate into tens of thousands of extra dollars by the time you retire.
Most Australians are in their employer's default super fund without ever having chosen it themselves. That's not necessarily bad — but it's worth reviewing. We look at your current fund's fees, investment performance, insurance coverage, and whether the fund suits your actual situation.
Salary sacrifice allows you to direct pre-tax income into superannuation, reducing your taxable income and paying only 15% tax on contributions (rather than your marginal rate, which could be up to 45%). For most working Australians in the 32.5% or higher tax bracket, this is one of the most straightforward tax-saving strategies available.
We help you model the impact of salary sacrifice on both your take-home pay and your projected super balance at retirement — so you can make an informed decision about how much to sacrifice.
An SMSF gives you direct control over how your super is invested — including the ability to hold direct property, shares, and other assets. But it also comes with significant responsibility and compliance obligations. We help you assess whether an SMSF is genuinely the right choice for your situation, and we can refer you to a specialist administrator if you decide to proceed.
Talk Super With GeoffA straightforward conversation with Geoff could give you more clarity than years of going it alone. There's no obligation — just honest, practical advice from someone who's been doing this for over two decades.
