Superannuation Advice For Retirement
Superannuation Review
A superannuation review may consider your fund structure, fees, investment options, insurance arrangements, beneficiary nominations and how your super fits your retirement goals. Any recommendation depends on your personal circumstances.
Investment Strategies
We consider investment options in light of your goals, timeframe, capacity for loss and tolerance for risk. Investment returns are not guaranteed, and the value of investments can rise or fall.
Consolidation of Accounts
Where you have multiple superannuation accounts, we compare fees, investment options, insurance and other benefits before considering whether consolidation is appropriate. Consolidation is not always suitable and may result in the loss of insurance or other valuable benefits.
Contribution Strategies
Advice can consider concessional and non-concessional contributions, salary sacrifice and other contribution strategies where relevant. Contribution caps, eligibility rules and timing requirements apply. Questions about claiming a tax deduction should be confirmed with a registered tax adviser.
Retirement Planning
Retirement planning may include setting goals, estimating future income needs, reviewing contribution and investment strategies, and considering when and how to draw retirement income. Projections are estimates and actual outcomes will vary.
Our Superannuation Advice Process
Our advice process is designed to make the superannuation decisions, responsibilities and next steps clear.
1. Initial conversation
We discuss what you want to achieve and whether our services are likely to suit your needs.
2. Information gathering
We gather relevant information about your superannuation, insurance, goals and broader financial circumstances.
3. Advice and recommendations
We explain the recommended strategy, reasonable alternatives, fees, risks and trade-offs.
4. Implementation
If you choose to proceed, we agree on the applications, transfers or other actions to be completed and who is responsible for each step.
5. Ongoing review
Where an ongoing service is agreed, we review whether your arrangements remain appropriate as your circumstances and relevant rules change.
Superannuation and investment outcomes cannot be guaranteed.
Speak with Mohammad Hussein CFP®
To discuss your superannuation goals and whether personal advice may help, arrange an initial conversation with Mohammad.
Phone: (02) 9683 2869