Superannuation & Retirement Planning
Having a good retirement plan in place will help make your money go the distance. One way to live comfortably in retirement is by using your superannuation as a source of income. Our professional advisers will work with you to develop the right long term strategy and invest wisely to meet your retirement planning goals.
Why is it important to plan ahead?
When you retire, you need to ensure you have enough money to live comfortably. The amount of money needed to retire comfortably in Australia differs from person to person, and couple to couple.
After working hard for so many years, you should be able to enjoy your retirement. While a pension may be available to some, this benefit cannot be completely relied on and may not be enough to give you the lifestyle you want or fulfil your financial obligations. You may have travel plans, or wish to take up new hobbies, and drawing on your superannuation as an income stream during retirement can better allow you to do this. There is no time like the present to start planning for your future!Contact us to help plan your retirement
What are the benefits of superannuation & retirement planning?
You can encourage growth within your super in a variety of ways. You might want to increase the amount or frequency of contributions to your superannuation fund, look into reducing tax by using your super as a vehicle to increase your savings, or assess the benefits and limitations of accessing your super via lump sum. You could income stream or reduce tax by making contributions to your spouse’s superannuation fund, salary sacrifice your personal income to increase your super and reduce tax, or consolidate multiple superannuation accounts into one fund. There are many other strategies available and no matter your objective or which strategy you wish to pursue, it is always best to gain advice from a professional financial adviser before making any decisions.
What is a self-managed super fund, and is that the right choice for my future?
A Self-Managed Super Fund (SMSF) is a super fund that you manage yourself. You have control over the investments and personal insurance within the fund. A SMSF may not be suitable for everyone as it does come with responsibility and risk. It’s important you understand what is involved with managing your own super fund. Our Financial Advisers can help you make the right decision.Learn more about SMSF
“Everyone’s financial goals and needs are completely different, and at Guardian Group we keep that in mind. Personal advice is tailored to your specif