Looking after your retirement

There is no greater asset than ensuring your financial future, long after you have retired. Do you know how your super fund is performing now? Our team are equipped with the tools and experience to keep you informed about your retirement nest egg.

Greater clarity on your super fund

A pivotal investment for many of our clients, our team look after all matters Superannuation.

Our real-time bookkeeping and dashboards allow our Superannuation team to have proactive discussions with our clients.  This ensures they are compliant with the complex tax rules governing super funds. Our dashboards allow our clients to visualise their Self-Managed Super Fund’s performance anytime.

We help our clients plan for the future and their retirement. This can include financial modeling to help understand when you could retire. We want our clients to have peace of mind about their financial future and that their loved ones can be taken care of.

Our Peace of Mind checklist is comprehensive and ensures our clients are across all matters relating to their estate.

We can even work with your Financial Planner; or suggest a new one to help guide you through your investments and optimise your position.

Independent reporting on SMSF

SMSF reporting requires accurate working files as they are independently audited every financial year.  This is why having the right advisor on board is super critical.

We automate using technology

Being a cloud based firm, we have invested in our processes and technology so that we spend less time crunching numbers and more time advising clients.

Our Superannuation Services

'I know many retirement jokes, but none of them work'

Our most common services are listed below, but let us buy you a coffee to discuss your specific requirements.

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SMSF annual compliance

Self-managed super funds require detailed financial reporting every year that is audited in order to maintain compliance with APRA.  Our Super team have decades of experience in SMSF and can not only provide accurate and timely reporting, but provide detailed dashboards and reporting on investments to keep you well informed of the results of the fund.

Estate planning

Linked closely with superannuation but mostly overlooked, estate planning is critical to ensure that your nest egg is adequately secured in the event of your passing.  Our team review your structures and can help you liaise with our network of family solicitors to ensure that your family is well protected long into the future.

Investment structuring

The main reason that people take up SMSF is to be able to better control their investments.  However we have seen that without the right investment advice and structuring, the results aren’t as great as they could be.  As we have an AFSL and advisers with the necessary RG146 qualifications, we can provide timely advice, but combined with our select network of financial advisors, are able to secure the best investment structure to suit your needs.

Do you have clarity on your nest egg?

Let us buy you a coffee to discuss your requirements.

Shout me a coffee

Meet Our Team

Frequently asked questions

Superannuation, commonly referred to as “super,” is a retirement savings system in Australia. It is a way for individuals (referred to as members) to save money for when they retire from work. 

Two common options when structuring your superannuation are as follows:

  1. A Self-Managed Super Fund (SMSF): This option gives you more control around the investments that you make, for example, if you operate a business, you may be able to purchase a commercial property in a SMSF and pay rent to the superannuation fund. Running a SMSF requires a good understanding of superannuation laws and investment strategies.
  2. Industry/Retail super funds: This option requires less technical knowledge of superannuation laws as the industry funds maintain the investments held in the fund and the associated income tax and administration obligations. 

The structure you choose will depend on factors like your age, financial situation, risk tolerance, retirement goals, and personal preferences. It’s recommended to seek advice from a financial advisor or a qualified professional before making decisions regarding superannuation structuring, especially for more complex options like SMSFs.

Superannuation consists of contributions made by employers (which are compulsory), contributions made by individuals themselves, and any returns earned from investments made with those contributions. The funds accumulated in superannuation are made legally available to individuals upon their retirement.

It’s worth noting that regardless of how you structure your superannuation, there are various investment options available to you. The goal is to maximise returns and ensure long-term financial security during retirement.

Superannuation payments in Australia are generally payable in accordance with the Super Payment Due Dates set by the Australian Taxation Office (ATO). Below is a schedule of the quarterly lodgement periods and their respective payment due dates:

1 July – 30 September: Payment due date is 28 October.

1 October – 31 December: Payment due date is 28 January.

1 January – 31 March: Payment due date is 28 April.

1 April – 30 June: Payment due date is 28 July.

It’s important to note that these due dates may vary slightly depending on weekends and public holidays. Furthermore, a common mistake by employers is that superannuation payments are not paid ahead of the due dates to allow time for the funds to clear into the employee’s fund. 

Employers are responsible for ensuring that superannuation contributions for eligible employees are paid by the specified due dates. The contributions should meet the minimum superannuation guarantee obligations as set by the ATO (Currently 11% of an employees Ordinary Times Earnings).

In summary, superannuation payments in Australia are generally payable on a quarterly basis, with specific due dates assigned to each quarterly period. Employers are responsible for ensuring compliance with these payment deadlines to meet their superannuation guarantee obligations.