Most clients become more focussed on their superannuation, as they get closer to retirement age. Indeed, often, clients start to take more notice of their superannuation as the balance increases to near their annual salary. The mindset at this time, is usually to reflect on how they have had to work an entire year to earn that amount of money and then reflect that this is now what their super fund is worth.
Superannuation is a tax friendly way of accumulating capital for your eventual retirement and there are several strategies available for clients including salary sacrifice, making concessional contributions if you’re self-employed and transition to retirement.
The appropriateness of any of these strategies is entirely dependent on the clients’ individual circumstances such as:
- Timeframe to retirement
- Current level of personal debt
- Current income and tax position
- Current available cashflow
- Retirement income expectations
- Experience with investing
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Lyn's guidance and expertise as our Financial Planner for the past eight years has positively influenced our financial direction and provided security for our financial future. Lyn has always been available by phone, email, or face-to-face to assist us with any line of enquiry, however large or small!
When you appoint a professional to represent your business, manage your life savings and respect your hard working contributions, you are relying on their integrity and honesty to further expand your assets and keep them working for you in the best way possible.
We feel Lyn's management and focus has been tailored to our individual situation and we couldn't be happier with the service she provides for us.
Lorette and Michael – South Yarra
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