Live your best life with a financially secure retirement.
Superannuation is a cornerstone of financial planning in Australia, providing a tax-efficient way to secure your retirement future.
Under the Superannuation Guarantee, employers are required to contribute 12% of your salary to a super fund, helping your savings grow throughout your working life. These contributions are professionally invested in diversified assets such as shares, property, and cash, maximising long-term growth.
Individuals can further boost their super balance through voluntary contributions, which may offer additional tax advantages.
Access to your super is regulated, generally available only upon reaching your preservation age or retirement, with limited early access in special circumstances.
Superannuation benefits from a concessional tax rate of 15%, making it a powerful tool for building wealth and ensuring financial security in retirement.
Understanding how super works, its investment strategies, and tax benefits is essential for effective financial planning and achieving your retirement goals. Start planning today to maximise your superannuation and enjoy a comfortable retirement.
Superannuation is a cornerstone of retirement wealth in Australia.
SMATS Wealth financial advisers can optimise your contributions, select investment options, look at tax advantages and provide consolidation advice.
An SMSF allows you to take control of your retirement investments, but it comes with increased responsibility. We can assist with SMSF set up, investment strategies, compliance and audits and portfolio diversification.
Allocated pensions are income streams drawn from superannuation savings during retirement.
At SMATS Wealth we can assist with tailored income strategies, tax efficiencies, longevity planning and coordinate with Centrelink on your behalf.
Centrelink benefits provide financial support to eligible individuals, especially retirees.
A financial adviser can assess eligibility, maximise your benefits, apply for support and conduct regular reviews.
Every retirement journey is different. Some people dream of extensive travel, while others focus on family, lifestyle or leaving a legacy for future generations.
SMATS Wealth financial advisers work closely with you to understand your retirement goals and develop personalised strategies designed to maximise wealth, legally minimise tax and create sustainable retirement income streams.
Our retirement planning process may include:
With a clear retirement strategy in place, you can move into the next stage of life with confidence, knowing your financial future has been carefully planned and your retirement goals are within reach.
Retirement planning is about much more than accumulating a superannuation balance.
A comprehensive retirement strategy considers how your investments, superannuation, personal assets, debts, taxation, and government entitlements work together to support the lifestyle you want to enjoy.
Without careful planning, retirees may face challenges such as:
Our advisers help you answer the important questions such as “When can I afford to retire? How much income will I need? How long will my savings last? What investments are appropriate for my circumstances? How can I maximise my superannuation benefits? Am I eligible for government benefits?”
Having a clear strategy can provide confidence and certainty during one of life’s most significant transitions.
An initial discussion about your situation is the first step towards a better roadmap for your finances.
Book a time to chat through your options with one of our friendly wealth advisers.
Discover which one of our global offices is best to contact to chat about your wealth building objectives.
SMSFs can be particularly attractive for individuals seeking greater control over investment decisions, including direct property investments and specialised investment opportunities.
It is important to understand that SMSFs have increased responsibilities, compliance obligations, and administrative requirements that may require the expertise of financial advisers, accountants, and solicitors.
SMATS Wealth can assist with:
Retirement does not always happen overnight. Many Australians choose to gradually reduce their working hours while maintaining their lifestyle and financial security.
A Transition to Retirement (TTR) strategy may allow you to access part of your superannuation from age 60 while continuing to work.
Potential benefits may include:
Our advisers can assess whether a Transition to Retirement strategy may be suitable for your circumstances.
