Superannuation is one of the key ingredients needed to secure a comfortable retirement.
Our superannuation advice service simplifies the process, offering expert guidance to help you get the most out of your super.
Whether you’re just starting out or nearing retirement, we tailor our advice to your life stage, unique needs and goals. Let one of our skilled financial advisers handle the complexities, so you can enjoy a financially secure future.
Erin Truscott, one of our experienced financial advisers, walks you through how our superannuation advice services can help you build a secure financial future. Discover how we tailor our guidance to fit your retirement goals, giving you peace of mind and greater control over your super.
Superannuation advice is essential for anyone looking to build a strong financial foundation for retirement. Our expert guidance ensures that your superannuation fund is working effectively to secure your financial future. Whether you’re just starting your retirement journey or looking to optimise your existing super strategy, our advice is tailored to help you achieve your goals with confidence.
Having the right superannuation advice is crucial. It allows you to maximise your contributions, align your investments with your long-term goals, and ensure your retirement savings are on track. This personalised advice enhances your financial health and provides peace of mind knowing your future is well-protected.
Our superannuation advice services cover a comprehensive range of areas to ensure your super is optimised for your future needs:
Our superannuation advice goes beyond basic management – it’s about empowering you to build a secure and comfortable retirement. Here’s how our services benefit you:
With our superannuation advice, you’re not just managing your super – you’re setting yourself up for the best future possible. Ready to enhance your retirement planning? Contact us today to get started.
At Direct Wealth, the numbers tell our story. With years of dedicated service, tons of experience, and countless happy clients, we’ve built a reputation for trust and excellence.
Here’s a look at what we’ve achieved:
Our team of superannuation experts are here to make managing your super easy.
Instead of trying to figure things out on your own, you get direct access to expert knowledge, insights, and support — the key ingredients for success.
Whatever your super needs, we have the expertise to help you get the best outcome.
Everyone’s financial journey is unique, and so is the service we provide.
Our advisors aim to thoroughly understand your financial situation and retirement goals, so we can design a plan that suits your needs.
Whether you’re looking to optimise your super or find tailored retirement solutions, we’ll provide a strategy that’s perfectly designed for you.
Managing your super can feel overwhelming, but you don’t have to tackle it on your own.
Our advisors simplify the superannuation process, making it easier for you to make informed decisions.
With our guidance and support, you gain the peace of mind that comes from knowing your super is in expert hands.
We’re dedicated to crafting personalised financial strategies, including expert superannuation advice that ensures your retirement is as rewarding as you’ve envisioned.
Whether you’re exploring superannuation options, aiming to grow your retirement savings, or setting up for a comfortable future, we’re here to guide you every step of the way.
Our goal is to safeguard your present and future financial wellbeing, giving you the confidence to enjoy life to the fullest.
Ready to enhance your super strategy? Contact us today to get started.
Jamie F.
Satisfied Client
“I had a fantastic experience with Direct Wealth! From the very beginning, I felt comfortable with the entire process. Kirsty and the team were professional, knowledgeable, and always available to answer my questions.
They took the time to understand my needs and provided tailored advice that I could trust. I highly recommend Direct Wealth to anyone looking for expert financial guidance. Thank you for your exceptional service.”
The first step is an easy welcome call. This quick and painless chat is all about getting to know one another. You can ask questions and get a feel for whether we’re right for you.
To get started, simply fill out the form and we’ll be in touch ASAP.
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Superannuation, often just called super, is a way to save for your retirement. It’s a system where your employer puts a small percentage of your salary into a super fund, which then gets invested to grow over time. This helps to ensure you have enough money to live comfortably when you retire. Super is important because it provides financial security and peace of mind for your future, helping you maintain your lifestyle even when you’re no longer working.
The amount you should contribute to your super depends on your financial goals and retirement plans.
Getting personalised financial advice can help you determine the optimal contribution level based on your objectives and financial situation.
Typically, you can only access your superannuation once you reach your preservation age and retire. However, there are specific circumstances where you may be able to access your super earlier, such as severe financial hardship or certain medical conditions. It’s important to understand the rules around superannuation and get financial advice to explore your options.
Yes, most superannuation funds offer options to include insurance, such as life insurance, total and permanent disability (TPD) cover, and income protection insurance. Incorporating insurance within your super fund can provide financial security for you and your loved ones. Superannuation advice can help you understand the benefits and choose the right coverage.
Choosing the right superannuation fund involves comparing factors such as fees, investment options, and performance. It’s important to ensure that your chosen fund aligns with your financial goals and offers flexibility for future changes. Getting advice from a financial adviser can help you make an informed decision and provide peace of mind.
Contributing to your superannuation can offer significant tax benefits. For instance, salary sacrificing allows you to contribute pre-tax income to your super, which can reduce your taxable income. Additionally, certain contributions may be tax-deductible, providing further savings. Financial advice can help you understand how these benefits apply to your personal financial situation.
Salary sacrificing is an arrangement where you contribute part of your pre-tax income to your superannuation fund. This reduces your taxable income while boosting your super savings. It’s a tax-effective strategy that can be tailored to your financial goals and future needs. Consulting with a financial adviser can help you set up a salary sacrifice arrangement that fits your objectives.
If you have multiple superannuation accounts, consolidating them into a single account can help you reduce fees and simplify your super management. It’s important to review your options and consider any insurance or benefits you might lose by consolidating. Financial advice can guide you through the process and ensure it aligns with your overall financial plan.
Most superannuation funds offer a range of investment options, including conservative, balanced, and growth portfolios. The choice of investment strategy should align with your risk tolerance and retirement goals. Understanding the product disclosure statement (PDS) of each investment option can help you make an informed decision. A financial planner can assist you in selecting the right investment strategy for your super.
It’s advisable to review your superannuation annually or whenever there are significant changes in your financial situation. Regular reviews ensure that your super is on track to meet your retirement goals and allows you to adjust your investment strategy as needed. Financial advice can provide you with peace of mind, knowing that your super is being managed effectively.
Getting superannuation advice offers numerous benefits, including personalised strategies to maximise your retirement savings, tax optimisation, and informed investment decisions. Professional advice ensures that your superannuation is aligned with your financial goals, providing peace of mind and greater financial security for your future.
When you change jobs, your superannuation savings remain in your super fund unless you choose to move them. You can continue to contribute to the same super account, or you may decide to consolidate your super into a new fund. Getting advice on superannuation can help you manage your super effectively when changing jobs.
Your superannuation is invested in a range of assets, such as shares, property, and fixed interest, depending on your chosen investment strategy. The performance of your super is influenced by the market and the specific investments selected by your fund. A financial planner can help you understand how your super is invested and ensure it aligns with your risk tolerance and retirement goals.
A Self-Managed Super Fund (SMSF) is a private superannuation fund that you manage yourself. SMSFs offer more control and flexibility over your investment choices but come with greater responsibilities, such as compliance and administration. Whether an SMSF is right for you depends on your financial situation, goals, and willingness to manage the complexities involved. Getting professional advice is crucial in deciding whether an SMSF is the best option for your retirement planning.
Yes, you can make after-tax contributions to your superannuation, also known as non-concessional contributions. These contributions are not taxed when they enter your super fund and can boost your retirement savings. However, there are limits to how much you can contribute, so it’s important to seek financial advice to ensure you’re making the most of your contributions without exceeding the cap.
Superannuation is a key component of your financial plan, providing long-term savings for retirement. It should be integrated with other financial goals, such as estate planning, debt management, and investment strategies. A comprehensive financial plan considers how your superannuation contributes to your overall financial security and helps you achieve peace of mind for the future.
