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Superannuation

Your super is your future

Superannuation, or super, can be complex, and it affects all Australians throughout our working lives and into retirement. Super is important because it’s your future.

Super is money set aside throughout your working life for when you retire. If you are employed, your employer will make contributions on your behalf. If you are self-employed, it is up to you to make contributions to ensure you have enough money for your retirement. If you are an employer, there are certain obligations you must meet regarding paying super to your employees. If you are retired or plan to retire soon, there may be tax implications to consider when drawing income from your super or when making personal contributions.

Our Super Specialists can help you with all your superannuation questions.


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For employees

For most, superannuation starts when you start your first job, and it accumulates over time. If you change jobs, it can be easy to find yourself with more than one superannuation account. It's important to keep track of your super to avoid paying unnecessary fees and maximise your savings. We can help you find and consolidate your super.

It’s a good idea to make additional contributions over and above the superannuation guarantee if you can. There are different ways you can contribute extra to your super and there are tax implications to consider. We can help you get the most from your super including associated tax benefits so that you can live better in retirement.

For employers

Employing people includes lots of obligations, including paying super. There are serious consequences for not complying with superannuation laws and obligations. We can help you to navigate superannuation, understand your obligations and keep good records.

We are here to assist clients with Super audits, super guarantee charge statements and amnesty rules.

For Retirees

When it comes time to start drawing on your superannuation, there are several options for accessing it. Whether you choose a lump sum or an income stream, each method has different tax implications. We can help you to figure out what works best for your circumstances.

For Self Employed

You don't have to make super contributions to a super fund if you're self-employed. However, you may want to consider it as a way of saving for your retirement, after all, you don't want to work all your life! There are tax benefits and concessions available if you do choose to make super contributions. We can help you to get set up with super, work out the best way of making contributions and how much.

What about Self-Managed Super Funds?

A self-managed super fund, or SMSF, puts you in the driver's seat of your superannuation. An SMSF is a type of trust account established purely to save for your retirement. You get to make all the investment decisions, but you are also responsible for complying with super and tax laws.

Is a SMSF right for you?

SMSFs give you extra control over your money, but they also require investment knowledge, skills and expertise. You will need to decide if the additional risk, responsibility and effort are going to be worth it.

Talk to a Super Specialist today.


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