Retirement and Superannuation Planning

A WVPC accountant planning a retirement and superannuation for a client

At WealthVisory, we provide our clients with expert advice and ongoing strategies to plan for their financial future. Planning for your retirement isn’t easy, especially without the right support and advice. 

Our highly experienced team of financial advisors will guide you through your options, implement strategies, and tailor their approach toward your financial goals. Understanding where your finances will leave you when retirement comes is vital in planning for your future. Let us help. Contact us today to find out more.

Are you unhappy with your current superannuation fund? Understanding your inclusions, fees, and requirements can be tricky. We can compare superannuation funds for you and give you the advice that you need to make a decision which is right for you and your future. We also help clients that are using a SMSF and we are fully accredited and licenced in line with the SMSF Advisers Network.

Self-Managed Superannuation Funds can be suitable for most income earners. SMSF’s ultimately give you more control over your superannuation, where it is invested, your investment strategy, and more. That said, they don’t always suit everyone. SMSF’s take time, understanding, and education to be implemented and managed properly. If you are interested in setting up a SMSF, or you want more information on how to get the most out of your superannuation, we can help to compare your options and provide you with the right advice.
Rolling over your superannuation into a single fund is a great way to save on fees, control your money from a single location, and keep track of your super. We can show you how to roll your superannuation into a single account while minimising any tax requirements or hidden fees. Learning more about your superannuation accounts, their fee structures, and your overall goals can help you to decide which superannuation provider you will use to roll your funds into.

Rollover & Contribution Strategies

Superannuation, for most of us, is what we solely rely on when the time comes to retire. Making some smart superannuation decisions throughout your working life can greatly increase your overall retirement fund. 

Our superannuation experts can show you strategies which can be easily implemented and managed. Some small ongoing contributions will attribute to an increase in your compounding funds, leaving you with a far better outcome for your retirement.

Contribution strategies

  • Concessional and non-concessional contributions
  • Spousal superannuation contributions
  • Personal tax-deductable contributions

Benefits of incorporating a superannuation contribution strategy 

  • Eligibility to receive Government superannuation co-contribution scheme
  • Offset tax for spousal contributions
  • Reduce taxable income to prevent surpassing thresholds
  • Increase your overall retirement fund

 Rolling over funds into other superannuation accounts or into a Self-Managed Super Fund (SMSF) can reduce fees and increase the control you have over your retirement strategy. 

Our professional advisors can show you the best ways to rollover your superannuation while securing the benefits and reducing negative financial losses.

Investment Structuring

For many, knowing where to invest isn’t an issue. Structuring that investment and understanding how to save yourself from fees, taxes, and other expenses is an issue.

Financial investment gains are often met with a hefty tax burden which oftentimes, when factoring in your other forms of income, may leave you worse off financially. Structuring your investments in-line with your other income streams will allow you to have control over your funds and be better prepared for circumstances where tax may be unavoidable. 

WealthVisory Private Clients team of financial advisors can give you advice on structuring your investments to yield the best possible financial results. We help investors of all types, so, whether you’re a novice or an experienced investor, we give you the advice needed to get the most out of your investments while educating you along the way. To find out more about our investment structuring services, get in touch with us today.

Income Streaming (Market linked and Annuities)

Income streaming is a simple way of receiving an income, generally set-up through market-linked accounts or annuities. This type of income stream is a substitute for managing your superannuation when you retire. 

An annuity is a locked-in service which is usually provided through a life insurance company or superannuation fund. Annuities are purchased, then locked-in to provide you with a constant income stream over a period of time, or up until you no longer need to be receiving an income stream.

Annuities and market-linked income streaming should be thoroughly researched before putting a plan into place. Our team of financial experts can provide you with the information you should consider to make an informed decision about your finances.

Market-linked income streams are an inherently riskier investment, however, mostly show much higher returns which are actually passed on to you, unlike annuities.

Planning your superannuation and comparing options can be confusing, overwhelming, and can involve a lot of in-depth research and consumption of time. We take the stress out of planning for your future by providing you with market-leading advice, easily applied strategies, and tailored solutions to suit all types of financial situations.

TESTIMONIALS

What people say?

Provided ongoing support for company start-ups, book keeping, technical advice. Great contact to have in my business network. I recommend them to everyone in the local area
Lloyd Stokes
I have used the earlier incarnations of Wealthvisory for many years for personal, business and trust accounting services and have always been very happy with their work...
James Fleay
The team at Dolphin Tax & Accounting are highly professional. They are consistently seeking to improve the quality and services for their customers and clients. Awesome Job.
Philip Platcher
From left to right, Matthew Rutter, Aaron Colley and Ryan Pettit

Get in touch

To find out more about the services that we offer at WealthVisory Private Clients, book an appointment with us today.

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