Superannuation & Retirement Planning

Superannuation

You may spend well over 20 years in retirement – that’s a long time that’s best spent in comfort!  With an average life expectancy of 85.3 years for women and 81.2 years for males (Australian Bureau of Statistics released 8/11/2023) your golden years could last longer than expected, so now’s the time to plan ahead.  The decisions you make today can have a real impact on your lifestyle in retirement.

How we can help:

• Track down any lost super.  There is over * $16 billon worth of lost super in Australia. Some of it may be yours.  (As reported by the Australian Taxation Office 27/2/2023)
• Choosing the right fund for your needs.
• Tailoring and regularly reviewing an investment strategy for you.
• Working out how much you need to contribute over your working life to achieve your desired retirement outcomes.
• Taking advantages of the various concessions and tax advantages that exist such as salary sacrificing and contribution strategies.
• Using your super to tax effectively provide for you and your family in the event of misfortune.
• Ensuring your super benefits go to the right people at the right time in the event of your passing.

By ensuring the right investments and structures are chosen, you can ensure you are right on track to that lifestyle you always wanted in retirement.

Retirement Planning

When it becomes time to enjoy the fruits of your labour, we can help provide the right solutions to ensure that any benefits you are entitled to are maximised. This way you can get on with the more important things in your life.

How we can help:

• Review your existing investments and structures
• Tax planning strategies
• Superannuation & income stream strategies
• Centrelink strategies
• Estate planning

To discuss your superannuation needs please contact one of our qualified Financial Advisers at Poynter Hargraves
on 1300 797 710.