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Superannuation

Take your retirement savings system seriously. It’s one of your most valuable financial assets.

ACCESS ALL BENEFITS

MAXIMISE YOUR MONEY

RETIRE HOW YOU WANT TO

HAVE A SENSATIONAL RETIREMENT

The money you contribute to your super fund over the course of your working career is designed to fund your retirement. The more money you put aside now, and the best investment strategy, allocation of and plan you have for that money, the more comfortable your retirement will be.

Superannuation Financial Planners partner with you to assess your current financial situation, investigating your current super fund provider, how it is managed and currently invested. Once known, your planner will work with you to define your retirement goals, analyse your income, assets and debts, time-frames to retirement, and how you can maintain a comfortable lifestyle with a retirement plan that includes and adequately affords all your retirement goals and aspirations.

Letting you live life on your terms with more than enough.

the benefits of speaking with a superannuation financial planner

  • Navigate the complex world of superannuation confidently.

  • Have a solid retirement plan in place with plenty of funds.

  • Have peace of mind that your money is working as hard as you want it to.

  • Be aware of risks and able to adjust your tolerance for them as necessary.

  • Receive advice on investments that feel right for you.

UNDERSTANDING SUPERANNUATION AT ANY AGE

FREQUENTLY ASKED QUESTIONS ABOUT Superannuation

  • Being in the right Superannuation fund, and investing your Superannuation wisely, will help to protect and grow your Superannuation so that it can support your financial goals throughout your retirement years.

    Navigating the intricacies of different Superannuation funds and investment options can be difficult, and it’s never too early to ensure that your Superannuation is working as hard as you do.

    You should especially consider consulting with a qualified Financial planner about your Superannuation if you:

    • have, or plan to, change careers;

    • recently married or divorced; or

    • are nearing retirement;

    A Financial Planner can ensure your Superannuation investments align with your retirement goals and construct a plan that ensures you remain compliant with the complex rules and regulations of Superannuation in Australia.

  • A self-managed super fund (SMSF) is a type of superannuation fund in which the members are also the trustees, allowing them to tailor the fund's investment strategies according to their financial goals. This can provide greater control over the specific investments that your Superannuation savings. SMSFs provide the flexibility to invest in a wide range of assets, including property, shares, cash, and managed funds. In addition to determining the investment strategies, SMSF trustees are also responsible for ensuring that they remain compliant with all legal and tax obligations. For this reason, if you’re considering whether a self-managed super fund is right for you, it’s a good idea to speak with a qualified Financial Planner.

  • While managing your own superannuation is possible, a Financial Planner can offer valuable expertise and guidance that can significantly enhance your retirement planning experience by creating a personalised strategy that aligns with your unique financial situation, goals and risk tolerance.

  • In some circumstances it is possible to access the funds in your account early as long as you meet the eligibility criteria and submit the required supporting documentation.

    Early access reasons include severe financial hardship, compassionate grounds, and permanent incapacity, allowing for partial withdrawals. If you need to access your Superannuation early a Financial Planner can help ensure it makes sense financially for you to do so, taking into consideration the potential impact on your retirement savings, as well as assist in the application process.

  • Financial Planners are committed to staying informed about the ever-changing landscape of finance, Superannuation and retirement regulations.

    As an InterPrac registered Financial Planner, and a member of the Financial Advisors Association Australia, with connected industry networks , It’s a Matter of Money maintains an up-to-date knowledge of the latest industry trends, regulations, and investment strategies, to deliver the best financial strategies that meet our clients unique needs.

  • Your current employer should be able to tell you the details of where your current Superannuation contributions are being deposited to. However, over the course of a lifetime, you may have accrued multiple Superannuation accounts. A Financial Planner can help you consolidate these accounts to ensure that you’re not losing money on additional fees, your funds are accruing with compound interest, and you’re in the best Superannuation fund to match your retirement goals.

  • You can find a list of any Superannuation accounts that are currently holding funds by logging into your myGov account. Visit the Australian Tax Office’s guide to ‘Search for Lost Super’ to get started. Alternatively, your Financial Planner can also assist you in finding previous Superannuation accounts, and consolidating ensuring your Super contributions are being deposited into the best investment options for you.

What Our Clients Say About Working With Us

SUPERANNUATION FINANCIAL ADVICE

Become financially literate by talking with someone who knows how super funds work, superannuation benefits and how best to plan for, manage and what you will need in retirement. The earlier you organise the best solution for your super investments, the more money you potentially will have to fund your retirement.

Learn more about salary sacrificing, government contributions, tax planning and keeping track of your super now.

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