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Salary Sacrifice

Salary sacrificing is a pre-tax contribution from your income to your super account, so you will have more money to enjoy in retirement. Your chosen amount will be provided to you before you are paid, reducing your taxable income…

Parental Leave and Superannuation

Those who are blessed to welcome a new life into their family, through birth or adoption, often look forward to being able to take time off work to bond and enjoy the early days with their little one. Government…

Estate Planning – More Than A Will

Estate Planning is much more than having a will – it’s about planning for what happens to your assets and affairs after you die, as well as who takes charge of your affairs in the event you lose capacity.…

SMSF & Requirements with Property

  When considering a Self-Managed Superannuation Fund as a vehicle for investments there are many factors to consider including rules and regulations that must be adhered to. One of the popular options for investments is investing into property. ASIC…

Key Person Insurance

Income Protection is an essential policy for insuring a persons income if they are unable to work. However, if you have an employee essential to the running of a business, what happens to the business is they aren’t able…

Super or retail insurance cover?

Understanding group insurance: Through super, you are given the option of undertaking a ‘group’ insurance policy. This is underwritten at time of claim, meaning it is not tailored to you, does not take your personal circumstances into account, and…

Myths and Strategies About Debt

Nearly every Australian has or has had some form of debt in their lifestyle, ranging from having a mortgage for the family home or a credit card to help day-to-day expenses, all the way up to a margin loan…

What is Asset Diversification and How Does It Work?

Have you ever heard the term Asset Diversification and wondered what this means? When fund managers are investing your superannuation assets, the goal is to obtain as much growth with as little loss to your wealth as possible. Dividing your superannuation into…

Why Salary Sacrificing May Benefit You

Salary sacrificing is a valuable saving tool, reduces your taxable income and can maximise growth within your superannuation in preparation for retirement. A common misconception is that salary sacrifice only benefits high- and middle-income earners. However, regular, affordable contributions…

Superannuation – IT’S YOUR FUTURE!

Your Superannuation is your future. Super, is money set aside during your working life in preparation for your retirement. Your superannuation fund, for most people, should start up when you start working, you employer start paying a percentage of…