Superannuation & Retirement Planning
Planning made clear to help you achieve a more secure, comfortable retirement
Understanding Super and Retirement Planning
We all have superannuation funds, often leading to the belief that it’s a straightforward process: your contributions are made, and hopefully one day you’ll have enough to comfortably live on.
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But unfortunately, it’s not that simple.
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Super is designed to support your lifestyle in retirement, but many have a passive approach to it, letting it accrue in the background without much thought. This can lead to your retirement goals being harder to achieve, or, worse still, not having enough to live comfortably later in life. So, what can you do about it? Our financial advisers are here to help you start planning for the retirement you want.
How We Can Help You
Planning for retirement involves many moving parts. From choosing a fund and investment mix to understanding changing rules and contribution options, it can be confusing and cause many to put it in the “too hard” basket.
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We can help. Our financial advisers are here to help you understand your current super balance, assess your likely retirement income, and develop strategies that align with your goals. We work with you to set realistic objectives, make informed decisions, and create a plan for your financial future.
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We also offer SMSF services, where you can learn more about here.
Super and Retirement Strategies
These strategies can help you strengthen your retirement savings and make the most of the opportunities available within the superannuation system.
Salary Sacrifice into Super
Contributing some of your pre-tax income to super may help reduce your taxable income while boosting your retirement savings.
Tax-Deductible Contributions
Personal contributions claimed as a tax deduction can be a tax-effective way to invest more for retirement.
Using Super to Offset Capital Gains Tax
Contributing to super and claiming a deduction may help reduce capital gains tax when you sell certain investments.
Government Co-Contribution
If you're eligible, personal after-tax contributions may qualify for a Government co-contribution to help grow your super.
Spouse Contributions
Contributing to your spouse’s super can help balance your combined retirement savings and may offer tax advantages.
Downsizer Contributions
If you’re 55 or over, you may be able to contribute part of your home sale proceeds into super to increase your retirement balance.
Small Business CGT Concessions
Eligible small business owners may be able to use CGT concessions to contribute more into super in a tax-effective way.
Transition to Retirement Strategy
A Transition to Retirement Strategy (TTR) pension can help supplement your income if you want to reduce your working hours as you approach retirement.
Starting an Account-Based Pension
Moving super into an account-based pension can provide a regular income in retirement with potential tax advantages.
Why Choose Us
Planning for retirement is about more than just superannuation balances. We work with you to understand your lifestyle goals, structure your super wisely and make informed decisions about contributions, pensions and investments. Our aim is to give you clarity today and confidence in your future.
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With Venture, you receive:
Retirement strategies tailored to your goals and circumstances
Help with optimising contributions and tax outcomes
Clear advice on transitioning to retirement and starting income streams
Support you in aligning super, investments and pensions
Ongoing guidance so your retirement plan stays on track
