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A financial advisor (also sometimes called a financial planner) in Australia is a qualified professional who assists clients in reaching…
Self-managed superannuation is a significant financial decision and a smart long-term wealth-building strategy.
But without expert knowledge and advice, it can be incredibly complex and onerous if you’re the one in charge.
Our experienced financial advisors in Melbourne provide an end-to-end self-funded superannuation solution that helps you take control and feel confident about your retirement.
Is an SMSF right for you?
The right setup ensures the superannuation self-managed funds you want to transfer to dependents go to the right people in a tax-effective way at the right time. A complying SMSF technically has an unlimited life span, so both asset management and benefits payments to named beneficiaries can continue after the death of the concerned original SMSF trustee or member.
Why choose an SMSF for your superannuation? The benefits of a self-managed super fund are significant. If you have over $200K in your present super fund, we strongly recommend you consider getting behind the driving seat.
Contact Melbourne’s self-superannuation experts today - 1300 022 866
Self-funded super does not have to feel overwhelming. On the contrary, taking the driving seat can be incredibly empowering and financially rewarding. Hundreds of Melburnians now benefit from our support and expertise - you could be one. Our professional services include:
✓ Independent & impartial boutique financial planning firm with our own AFSL
✓ Accredited and experienced investment specialists
✓ Transparent & high-level reporting
✓ In-home and after-hour appointments
✓ Ongoing dedicated lending advice and support
✓ Strategic debt restructuring strategies
We don’t just assist you in setting up a secure and successful self-managed super fund. We stay abreast of the avalanche of changing information, important regulations, and industry updates to ensure you receive the best ongoing advice.
Get in the driver’s seat with the best navigating team in Melbourne.
This is a private super fund regulated by the ATO, giving individuals control over their retirement savings. SMSFs offer a wide range of investment options, tax planning strategies, and potential cost advantages for larger balances. However, they come with strict regulations, legal responsibilities, and ongoing expenses. They are best suited for those with substantial super balances, financial knowledge, and the ability to manage their own investments. Professional advice is recommended before commencing down this path.
In Australia, there are various investment options available for you to self-manage a super fund. These include cash and term deposits, Australian and international shares, managed funds, ETFs, property, infrastructure and utilities, fixed income, alternative investments, and precious metals. SMSF trustees have the flexibility to choose investments that align with their goals and risk tolerance. Seeking professional advice is important to ensure regulatory compliance. Consult with our financial planners in Melbourne to explore the diverse investment opportunities available to you.
Costs include trust deed preparation and ATO registration fees, and ongoing expenses like administration fees, audit fees, investment management fees, ATO supervisory levy, insurance premiums, compliance costs, and bank fees. These costs can impact the fund's performance, and generally, larger account balances make SMSFs more cost-effective. Costs may vary depending on the fund's complexity and professional assistance needed, so seeking professional advice is recommended to understand specific costs for your situation.
This process can involve complex legal and financial responsibilities, and professional guidance can ensure compliance with regulations and optimise the benefits of the fund. Professionals such as SMSF specialists, accountants, financial advisors, and tax experts can assist with setting up the fund, developing an investment strategy, meeting legal obligations, and fulfilling reporting and compliance requirements. Their expertise helps make informed decisions and avoid costly mistakes.
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