With more of the Australian workforce being either self-employed or changing their employment, it has become increasingly popular for Australian workers to have a Personal Super Fund. Almost every financial institution has one or more of these products at their disposal, so selection of an appropriate super fund to suit your individual circumstances is critical.

With access to software that can compare almost any fund in the market, we can assist in ensuring you make a sound choice.

If you would like more information on this service, you will find our contact details here.

If you are an employer, you would be aware of your obligations to provide a default super fund for your employees which complies with the new My Super regulations. We can assist with the selection and implementation of a super fund that will meet your obligations in this area, provide generous advantages to your employees and ease the administrative burden on you and your staff.

If you would like more information on this service, you will find our contact details here.

Acknowledged in many circles as the fastest-growing sector of the superannuation industry, SMSFs, as they are known, are becoming increasingly popular. But, they are not for everyone. Many people set up their own funds SMSFs for the wrong reasons or with unrealistic expectations of their advantages.

We will outline the relative merits of managing your superannuation assets in this manner and help you decide if a SMSF is an apporpriate course of action for you, be it now or further down the track.

Vaughan Liddelow, as an accredited SMSF Specialist with SPAA, the SMSF Professionals' Association of Australia, is our in-house resource for assisting those with needs in this area.

If you would like more information on this service, you will find our contact details here.

In order to make superannuation more attractive and to encourage older workers to remain in the workforce longer, measures were introduced to allow super members who had reached "preservation age" access to some of their accumulated superannuation without the need to retire.

Providing generous taxation benefits, these measures may suit anyone who wishes to:

  • Enhance their capacity to save for retirement;
  • Boost their present income without retiring; or
  • Reduce their working hours without loss of income.

Our analysis of your situation can help you find the "sweet spot" of retirement savings, current income and working hours that is most relevant to your circumstances and objectives.

If you would like more information on this service, you will find our contact details here.

Gearing (borrowing to invest) has long been a widely-accepted strategy with the potential to accelerate the rate of wealth accumulation. However, until very recently, it was unavailable in the superannuation arena.

Although subject to stringent restrictions, gearing is now possible in superannuation. Through Limited Recourse Borrowing Arrangements (LRBAs) or internally-geared investment products, it is possible to adopt some element of gearing within your super portfolio.

We will help determine if such a course of action may be of benefit in your situation.

If you would like more information on this service, you will find our contact details here.

Ever since employer contributions to super became compulsory, more and more Australian workers have found themselves with more than one superannuation account. As with any other investment medium, there are distinct advantages in keeping your super in one place; simplicity, economies of scale, reduction of fees, to name just a few. Most people don't WANT multiple accounts. It's just that it seems so hard to figure out where it all is, let alone bringing it all together.

And with the ATO compulsorily acquiring small, dormant super accounts (and a proposal to increase the threshold for the definition of "small" currently under considerations), it is an obvious advantage to keep track of your super and collect it all together.

With our super consolidation service, we can help find your "lost" super and assist in selection of a suitable fund into which to consolidate.

If you would like more information on this service, you will find our contact details here.

If you are an employee, only your employer can claim a tax deduction for contributions to super on your behalf. So, if you want to increase your contributions to super, it may be in your best interests to arrange with your employer that they reduce your taxable salary and, in lieu, use those funds to increase your contributions to super.

We can assist with conducting a cost/benefit analysis, including management of contribution caps, to help you determine how much salary you should arrange to sacrifice.

If you would like more information on this service, you will find our contact details here.