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Superannuation Advisor Northern Beaches
It’s more than just a super fund
For most people, super begins at the start of your career and involves your employer paying a portion of your salary or wages into a super fund on your behalf. Generally, you are not able to access this money until you retire and meet your “preservation age”, which is 60 if you were born after 1 Jul 1964 and earlier if born before 1 Jul 1964.
Super funds invest your money in a range of areas such as shares, property and managed funds. They may also offer different types of insurance, such as life insurance and income protection.
But there is much more to Superannuation advice. At Navigate, we have helped many of our clients understand how their super works and what entitlements they have to grow and keep track of their super. Below are some areas of superannuation advice we can help you with:
- Is the fund you are in the right fund for you?
- Are the investments in the fund set up to maximise earnings in line with the level of risk you are comfortable with and your long term goals.
- What level of insurance is there in your super fund? Is this right for you or do you need to make changes?
- What is your contribution strategy? Is it helping you get to where you need to get to and reducing your tax?
Superannuation
Superannuation is a long-term savings system in Australia designed to help individuals accumulate funds during their working life, providing income once they retire. By contributing regularly into a super fund, Australians can ensure they have sufficient savings to maintain their lifestyle in retirement. With professional superannuation advice in the Northern Beaches, individuals can optimise their contributions, select appropriate investment options, and make informed decisions about their superannuation to secure a comfortable retirement.
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Who Needs It?
Superannuation advice is essential for anyone looking to secure their financial future. Whether you’re just starting your career or approaching retirement, managing your superannuation effectively is crucial for ensuring financial stability in retirement. Young professionals can benefit from early financial planning, while those nearing retirement need advice on maximising their super balance and planning for income in retirement. Retirees also require guidance on managing withdrawals to ensure their super lasts throughout their retirement.
Where – Stage Of Financial Journey?
- New Career: Early in your career, it is important to build a strong understanding of how superannuation works and to establish good contribution habits to maximise retirement savings over time.
- Empty Nesters / Transition to Retirement (TTR): As you approach retirement, focus shifts to ensuring your superannuation balance is sufficient and appropriately invested for retirement income.
- Retirement: Managing super withdrawals becomes a key priority, ensuring that your superannuation provides a reliable income while preserving capital.
How Does Navigate Financial Do It?
At Navigate Financial, our superannuation advisors in the Northern Beaches follow a clear, step-by-step process to help you maximise your super and prepare for retirement:
- Superannuation Review: We begin by assessing your current super fund and contributions to ensure they align with your retirement goals.
- Contribution Strategy: Our team develops a plan to optimise your contributions, making the most of tax-effective strategies and ensuring compliance with superannuation regulations.
- Investment Strategy: We tailor the investment strategy within your super fund to match your risk tolerance and retirement objectives, ensuring your funds grow while managing risk.
- Retirement Income Planning: We guide you through the process of turning your superannuation into a source of regular income once you retire, helping you plan for sustainable withdrawals.
- Ongoing Management: Our team provides regular reviews and adjustments, ensuring your superannuation strategy continues to align with your financial needs as they evolve.
Which Elements Are Crucial In This Service?
- Contribution Planning: Ensuring you make the most of tax-effective contributions, including salary sacrifice and other strategies, to maximise your superannuation balance.
- Investment Options: Selecting the right mix of assets within your super fund to balance growth and risk as you approach retirement.
- Retirement Income: Structuring withdrawals in a tax-efficient way to provide a stable income in retirement, while preserving your super balance.
Why Choose Navigate Financial?
At Navigate Financial, our services are designed to help you manage and grow your superannuation in line with your financial goals. With decades of experience in providing superannuation financial advice in Northern Beaches, we offer personalised support at every stage of your financial journey, whether you’re just starting your career, preparing for retirement, or already retired. Our superannuation advisors in Northern Beaches help you maximise your contributions, select appropriate investments, and manage your super effectively to provide financial security in retirement.
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Put yourself on the path to financial success. Speak to one of our expert advisors today to discover how we can help you.
