Your Super, your retirement and your family, properly planned.
Personal advice on superannuation, retirement, the Age Pension and protecting the people who depend on you. For individuals and couples, anywhere in Australia.
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What's on your mind?
- Is there inheritance tax in Australia?No, but Super left to adult children can be taxed at up to 17%.
- I've received an inheritance. What now?Capital gains tax, Super and the Age Pension can all be affected.
- When can I get the Age Pension?At 67, if you pass the income and assets tests.
- How much Age Pension would I receive?Up to $1,237.70 a fortnight for a single person.
- What is the retirement age?There isn't one. 60 matters for Super, 67 for the pension.
- How much Super should I have?About $630,000 for a comfortable retirement as a single homeowner.
- Is salary sacrifice worth it?For most people earning over $45,000, yes, within the $32,500 cap.
- Can I use my Super while still working?From 60, through a transition to retirement pension.
- Is my Super fund performing?Passing the government test doesn't mean it's right for you.
Three things that decide how well you retire.
Each review starts with where you are now and ends with clear, written recommendations. You decide what to act on.
Superannuation
A review of your fund, fees, investment option and contributions, with a strategy to grow your balance before retirement.
Superannuation adviceLife Insurance
Life, TPD, trauma and income protection cover sized to what your family would actually need, not a default amount.
Life insurance advicePersonal Investment
A diversified, long-term plan for money outside Super, built around your goals and how much risk you can take.
Investment adviceA 1% difference in returns, over 22 years.
Two people each have $200,000 in Super at 45 and retire at 67. One earns 7% a year after fees, the other 6%. Neither adds another dollar.
From first call to a clear plan.
There's no cost or obligation until you decide to go ahead with personal advice.
Request a call
Fill in a short form with a few details. I'll call you to understand what's on your mind.
Free initial video call
We go through your situation and goals, and I'll tell you whether advice is likely to make a difference.
Your written advice
If we go ahead, I prepare personal advice with specific recommendations, and help you put them in place.
Inaction is the most expensive decision you'll ever make. The reward for acting is higher.
Fill in this short form and I'll give you a call.