Superannuation
Most people think of superannuation as a tax-favoured way of saving for your retirement. For most employees, it is compulsory. For self-employed people, it is optional. For everybody, it is a great idea.
But superannuation is about more than retirement planning. It is actually a fundamental part of most people’s financial plan. This is because ‘super’ touches every other aspect of your financial planning. The way you manage your super may impact on how you manage your insurances, your other investments, your tax planning, your retirement planning, your estate planning and possibly even how you repay your own mortgage.
It is super by name and even more super by nature.
There are many types of super funds including funds like retail funds, industry funds and self-managed superannuation funds. Different clients are suited to one or more of these types, and sometimes it makes sense to use more than one type in combination. We help you select the best type of fund structure for you. We then help you make best use of whichever option you take. This is important because super can and should be incorporated into your thinking about everything to do with your finances.
Relevant Articles...

Estate Planning and Super
When it comes to estate planning, many people overlook their superannuation. This is risky, because superannuation does not necessarily form part of your estate. This means that your regular legal will may not address what happens to your super when you no longer need it.

Consolidating Super
Every year we make it a point to write at least one blog article on consolidating super. Consolidating super is where benefits held in two or more super and funds are rolled over into a single fund - either one of the existing funds or a new fund altogether. Over time, consolidating super can have a substantial impact on your retirement benefits.

Personal Super Contributions. Having your cake and eating it too.
Usually, to get a tax deduction, you need to spend money. And spending money makes you less wealthy. However, there is one kind of ‘expense’ that lets you have your financial cake and eat it too. Read on while we explain.

Co-Contributions. You Can Get Something for Nothing.
If you have a spare $1000, you might consider making an extra contribution to your super fund. If your income is otherwise low, the Commonwealth government will give you up to an extra $500.