Wealth & investment
Super is not an investment. It's a tax structure.
The same investment can sit in your name, in super, or in pension phase, and land very differently after tax. Using the structure well is the game.
What you get
The moves that change your after-tax outcome.
Contribution strategy.
The caps, the windows and the timing, used deliberately before they close.
Consolidation and fund review.
Fees, performance and insurance checked before anything is merged, so nothing valuable is lost in the tidy-up.
Pension-phase planning.
Moving to tax-free pension phase at the right time, in the right order.
Honest SMSF advice.
We review self-managed funds without fear or favour. Plenty should never have been opened, and we wind up more than we start.
Self-managed super
The SMSF conversation, without the sales pitch.
Self-managed funds suit some people, especially where property is involved. But many were set up without advice, run without strategy, and cost more than they return. As people get older they want less complexity, not more. If you have one, we will tell you honestly whether it is earning its keep. If you are thinking of starting one, we will tell you honestly whether you should.
Our process
Our process.
Advice starts with a proper conversation, not a product.
Discovery, on us.
A proper discovery meeting, not a 15-minute chat: what is important in life to you, where you stand, and whether we can genuinely help. Complimentary.
Your strategy, presented.
We build the strategy and present it with clear fees, so you decide with the full picture in front of you.
Implement and review.
We put the plan to work, then stay with you: portfolio monitoring, reviews, and an adviser who picks up the phone.
Common questions
Questions we get asked.
Often it is the most tax-effective saving available, but money in super is locked away, so the answer depends on your age, plans and cash needs. The contribution windows reward planning ahead. (General information only.)
Usually yes: duplicated fees and scattered insurance. But consolidation done carelessly can lose valuable cover, so we review before we merge. (General information only.)
Probably not, unless there is a specific reason such as property. We review them honestly and wind up more than we open.
The stage where super can pay you an income with concessional tax treatment. Moving at the right time, in the right order, is one of the most valuable steps in retirement planning. (General information only.)
Let's look at your super properly.
The first conversation costs nothing and comes with no obligation.
Or call (03) 9574 8300
