Superannuation Strategy
Maximise your superannuation potential
Strategic superannuation planning tailored to you.
Tailored superannuation strategies
While retirement sounds exciting, you may be feeling like you’re falling behind because you don’t have this ‘super strategy’ people are talking about. We understand, and we’re here to simplify everything for you by creating a super strategy that will organise your super structure and contributions once and for all.
While superannuation can be complex and is often subject to frequent regulatory changes, our considerable experience and deep understanding of legislation mean we can structure and create a strategy designed to help you achieve your retirement goals. We offer transition to retirement strategies, contributions and pension strategies, salary sacrifice arrangements and superannuation death benefit arrangements – all designed to give you control and confidence over your financial future.
Key components of a super strategy
Our main goal is to create the most effective super strategy – for you. To do that, there are many factors we take into consideration. Our holistic approach allows us to build a strategy that reflects your needs, current financial situation and desires for the future. When creating your strategy, we’ll cover:
Contribution planning
We will work with you to determine how much you’re able to contribute to your superannuation fund over time, including your employer contributions and any additional voluntary contributions, such as salary sacrifice or personal contributions.
Investment strategy
Deciding how your superannuation funds will be invested is another important part of your strategy. Here, we’ll help you choose investment options within your super fund that align with your risk tolerance, investment goals, and timeframe until retirement.
Transition to retirement
Planning for the transition to retirement phase involves a strategy for transition to a part-time work schedule while supplementing your income with superannuation withdrawals and maximising government benefits and tax advantages.
Estate planning
We’ll help you establish how your superannuation benefits should be distributed, including the nomination of beneficiaries, setting up binding death benefit nominations, and considering any tax implications for beneficiaries.
Tax planning
Understanding the tax implications of your superannuation strategy is essential to getting the most out of it. We’ll guide you through contribution caps, tax deductions for contributions, tax on your investment earnings, and the tax treatment of withdrawals in retirement.
Our partnership doesn’t stop there.
With Super Focus you’re able to regularly review your superannuation strategy to ensure that it remains aligned with your financial goals and life stage whenever you’d like to.
Contribution and pension strategies
It’s important to have a plan when it comes to your superannuation contributions and building your retirement savings so you achieve long-term financial security. We offer strategies designed to maximise the contributions to your superannuation fund, including employer contributions, voluntary contributions, and salary sacrifice arrangements.
Depending on your individual circumstances, your contribution strategy may involve making additional contributions to take advantage of tax benefits, such as concessional contribution caps, or optimising contributions to align with your retirement goals and investment objectives.
Our superannuation pension strategies are also essential for retirees looking to manage their retirement savings and ensure a sustainable income stream throughout their golden years. Pension strategies involve careful planning and decision-making, including determining the most suitable pension product for you and optimising the timing and frequency of your pension payments so they meet your lifestyle needs while preserving capital for the future.
Transition to retirement strategies
The best retirement is one you ease yourself into, which is where we come in. Our expert advice, personalised strategies, and ongoing support allow you to navigate the transition to retirement without any stress or uncertainty.
Our transition to retirement strategies allow you to gradually ease into retirement, while maximising your superannuation benefits. We’ll help you plan how much of your superannuation you’d like to access when your retirement process begins, allowing you to continue to work, or transition to part-time work, before fully retiring.
Whatever your preference, our strategies are designed to give you financial flexibility while optimising your tax advantages and ensuring a smooth transition into retirement.
Superannuation death benefits
Planning your superannuation death benefits is an important part of the legacy you’ll leave behind one day. Let us guide you through everything from identifying eligible beneficiaries and tax implications, to exploring distribution options, while maximising your fund benefits.
Having a strategy in place ensures that your loved ones are properly provided for. With us, you can navigate the complexities of superannuation death benefits with confidence and peace of mind, knowing that your last wishes will be carried out exactly as you had wanted.
How we create your super strategy
The process of crafting your superannuation strategy is as exciting as it is empowering. Here’s a simplified overview –
Consultation
It begins with a comprehensive consultation to grasp your financial aspirations, retirement goals, and desired timeline.
Assessment
Explore tailored superannuation strategies with Super Focus to maximise your retirement savings. We offer personalised advice on contributions, pension plans, and tax efficiencies to ensure your superannuation works effectively towards securing your financial future.
Planning
Contribution planning then comes into focus. Here, we’ll help you maximise your superannuation savings through channels like regular employer contributions, voluntary contributions, and salary sacrifice arrangements. We’ll also plan your retirement transition and desired death benefit allocation.
Of course, there is slightly more to it, but we’ll cover that when your strategy is completed
Our team takes you through every detail to ensure it matches your expectations and goals. With our expert guidance, your superannuation strategy will be crafted to give you full confidence and pave the way for a financially secure retirement.
Secure your retirement
Unlock the full potential of your superannuation with expert guidance from Super Focus. Schedule a consultation today and start building a strategy that maximises your financial security for retirement.
