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SMSF Advisor Northern Beaches
Is it right for you?
As SMSF Specialist Advisors™ and experts in self-managed super for over 20 years, we can help you determine the best way to move forward.
What exactly is a self managed super fund?
To understand SMSF, you first need to understand super. Superannuation is, at its core, a tax-effective investment structure. There are restriction on when you can access your money as ultimately Superannuation has been designed to provide for your retirement.
Retail and industry super funds invest your money into many things, such as shares, bonds and managed funds. An SMSF provides all of that and the ability to invest in direct investments such as property as well. It allows you to create investment strategies, choose your own investments, and borrow to invest, as well as manage tax within super more effectively.
How we can help
Managing your own super gives you control of your financial future, but can be time-consuming and complex. Our role is to partner with you and provide advice and guidance on your investment strategy and investment selection. Additionally, we help manage the day-to-day paperwork, arrange your annual audit and tax returns, and ensure compliance is appropriately considered – so you have time to focus on what’s important to you.
Self-Managed Super Fund (SMSF)
A Self-Managed Super Fund (SMSF) is a type of superannuation fund where the members are also the trustees, allowing them to manage their own super investments. Unlike traditional super funds, SMSFs give individuals complete control over how their retirement savings are invested and managed. With an SMSF, you have the flexibility to choose your investment strategy, including property, shares, and other assets, providing you with greater control over your financial future. Professional SMSF advice in the Northern Beaches helps ensure that your fund is structured and managed correctly, aligning with your retirement goals while complying with all legal obligations.
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Who Needs It?
SMSFs are suited for individuals who want greater control over their superannuation investments. Those seeking flexibility and responsibility in managing their own retirement savings may benefit from an SMSF. Typically, individuals in the Empty Nesters and Retirement stages are well-positioned to establish an SMSF, as they are focused on maximising returns and tailoring investments to meet their retirement needs. However, managing an SMSF requires careful compliance, making it essential to work with an experienced SMSF advisor in the Northern Beaches.
Where – Stage Of Financial Journey?
- Empty Nesters / Transition to Retirement (TTR): As you approach retirement, an SMSF offers the opportunity to take control of your super investments, helping you maximise returns and prepare for retirement.
- Retirement: Retirees benefit from SMSFs by having flexibility in how their retirement savings are managed and accessed, allowing for tailored investment strategies that generate income throughout retirement.
How Does Navigate Financial Do It?
At Navigate Financial, our SMSF experts in Northern Beaches follow a structured process to ensure that your SMSF is set up and managed effectively:
- SMSF Setup: We help set up your self-managed super fund, ensuring compliance with legal and regulatory requirements, including registration with the Australian Taxation Office (ATO) and the drafting of trust deeds.
- Contribution Strategy: Our team assists in planning your contributions, maximising tax benefits and growing your retirement savings efficiently.
- Investment Strategy: We tailor an investment strategy that aligns with your risk tolerance and retirement goals, incorporating options like property, shares, and other assets.
- Compliance Management: Our SMSF advisors in the Northern Beaches ensure that your SMSF meets all compliance requirements, including annual audits, tax filings, and regulatory reporting.
- Ongoing Support: We provide regular reviews and updates, making adjustments to your SMSF strategy as your financial situation evolves.
Which Elements Are Crucial In This Service?
- Compliance: Ensuring the SMSF complies with legal requirements is essential to maintaining its tax advantages and avoiding penalties.
- Investment Control: SMSFs offer flexibility in choosing and managing investments, allowing trustees to tailor their portfolio to their financial goals.
- Risk Management: Managing an SMSF involves responsibility and risk, making professional advice from an SMSF expert in the Northern Beaches critical to balancing control with proper risk management.
Why Choose Navigate Financial?
At Navigate Financial, our team of SMSF advisors in Northern Beaches provides expert guidance in setting up and managing self-managed super funds. We offer services to ensure your SMSF is compliant with all legal requirements, while providing the flexibility and control needed to meet your financial goals. With our ongoing support, you can manage your SMSF confidently, knowing that your investment strategy is aligned with your retirement objectives. Whether you’re focused on wealth growth or income generation in retirement, our SMSF services provide the expertise you need.
Let's discuss your needs
Put yourself on the path to financial success. Speak to one of our expert advisors today to discover how we can help you.
