Superannuation

Superannuation is one of the least understood and yet most tax effective investment structures.

With superannuation comprising a significant proportion of wealth, we can help you to understand the complex superannuation rules and maximise the advantages of this investment structure.

Depending on your needs, we can provide advice in relation to superannuation strategy, administration and investment:

Strategy

• Concessional (deductible) contributions via either salary sacrifice or personal contributions
• Non-concessional (after-tax) contributions
• Avoiding contribution limits and penalty tax
• Eligibility for the co-contribution
• Splitting contributions with a spouse
• Accessing superannuation benefits
• Difference in taxation between the accumulation and pension phase
• Implementing a transition to retirement (TTR) strategy
• Commencing a retirement income stream
• Superannuation and estate planning
• Implementing a re-contribution strategy to benefit the estate

Administration

• Selecting the best administrator for your superannuation assets
• Determining whether a self-managed superannuation fund (SMSF) may be appropriate

Investment

• As superannuation is not an investment but rather a structure through which to hold investments, we can provide all investment related services such as risk profiling, asset allocation, investment selection and reporting. Further information on our investment services can be found under the Investments page.