Superannuation advice for a comfortable retirement
Superannuation advice for a comfortable retirement
Superannuation financial advice for Australians
Are you confident you’re on track to meet your retirement goals, or does it feel like a big unknown? Many people worry about whether they’re contributing enough or if their super is being managed effectively. Perhaps you’re wondering if it will be enough to last through retirement or if there are better ways to grow it.
Superannuation is one of the most important tools for building your financial future, yet many Australians feel unsure about how to make the most of it. With the right financial advice, you can make informed choices that will help you feel confident about your retirement.
Whether you’re just starting your career, approaching retirement, or already retired, having a solid superannuation strategy is essential. Let’s take the worry out of managing your super. With personalised advice tailored to your unique situation, you can feel empowered to make smart decisions about your financial future.
Let’s plan your Superannuation strategy, together
Hi I’m Jacki. I help people like you take control of their superannuation and retirement planning. Whether you’re looking to grow your super or simply want to understand if your current plan is on the right track, I’m here to guide you.
Navigating superannuation can feel complex, but with the right advice, it becomes much more manageable. I’ll work with you to understand your goals and financial situation, then create a personalised super strategy that helps you get the most from your investments.
We’ll look at everything from your contributions and investment choices to strategies for minimising fees and taxes. Whether it’s consolidating multiple super accounts, finding lost super, or planning the best way to make contributions, I’ll ensure your super is working for you. Together, we’ll create a clear and confident path towards a secure retirement.
Why Superannuation advice matters
Your superannuation is likely to be one of your biggest assets when you retire. It’s more than just a savings account, it’s a powerful tool that can help you live the retirement you deserve.
I’ll help you make sense of your super, so you can get the most out of it. With tailored advice, you can ensure that your super is invested in ways that align with your risk tolerance, financial goals, and future plans.
Think of it like having a roadmap for your financial future. Instead of hoping for the best, you’ll know you’re on track to achieve the retirement lifestyle you want. By reviewing your super regularly and making adjustments as needed, you’ll have peace of mind knowing that your future is in good hands.
We came to see Jacki to help us sort out our numerous super funds and try and get better organised for the future. She reviewed our super funds and made some recommendations to move into one fund which is much cheaper and easier to manage now. Jacki was professional and easy to get along with and we would recommend her if asked by friends or family.
Brad and Amy – Aged 35 and 37
Jacki made a stressful time considerably easier for me. She was patient in answering all of my questions and made sure I understood what she was recommending. She is always well prepared, she listens to me and has a lovely steady confidence which is inspiring. I would certainly pass on her name to anyone who is looking for financial advice.
Karen – Aged 59
Superannuation advice in action
Mary
Mary is 64 years old, still working and has a balance of $290,000 in an employer super fund and is unhappy with the fees and performance. She also has a Self Managed Super Fund (SMSF) with her partner.
I met with Mary and established that her goal was to review her super fund to determine whether there was a more appropriate option from a cost perspective. She also wanted to diversify away from her SMSF. Mary didn’t want anything sophisticated, just low fees. I researched a number of options including a couple of industry super funds, super fund platforms as well as considered consolidating to her Self Managed Super Fund.
My research indicated that an industry super fund was the most cost effective option to achieve Mary’s goal, and recommended she rollover the balance of her employer super fund to an industry fund. This reduced her annual fees by 0.60% per annum. Taking into account the cost savings in the first year, Mary was only out of pocket by $600 (once off) after paying the fee for my advice.
Jake
Jake is 30 years of age and has approximately $80,000 in a super fund which was a previous employer’s preferred super fund for staff. He’s changed jobs and wants to make sure this super fund is still suitable.
I met with Jake and identified that his main priority was to ensure he was accumulating his super in a cost effective fund. In completing the fact find I identified that Jake was a ‘high risk’ investor and that his current investment strategy was not invested in line with this. I reviewed the fees associated with the current super fund and compared it with alternate options including a couple of industry super funds and retail super funds.
My research indicated that the fees associated with rolling over to an industry super fund were approximately $1,000 per annum lower compared to Jake’s current super fund and therefore I recommended in my advice document that he rollover his balance to an industry super fund. As he had some insurance within his current super fund I recommended he establish new cover before rolling over his super to ensure he didn’t lose any benefits as a result of my advice. I also recommended an investment strategy more closely aligned to his ‘high risk’ profile.