BUILDING YOUR RETIREMENT FUND

Superannuation Savings

Superannuation represents one of the key areas you should work on to build your wealth for retirement.

Consider your Investment Strategies in Retirement.

We show you below some of the ideas to be considered that can help to boost your superannuation balances and therefore your retirement income.

Salary Sacrifice

You could sacrifice part of your pre-tax salary into superannuation. This only works if you’re paying a large amount of tax each year and your employer, or you, have contributed less than the maximum allowed under the concessional contribution limits.

Tax Deductible Super Contributions

Depending on how much your employer contributed to your superannuation you may be able to claim your contribution as a tax deduction.  These will count towards your annual concessional contribution limits.

After-tax Contributions

If you have investments in your own name consider contributing this to superannuation and take advantage of the lower taxation environment it offers. It may be that you won’t need to sell the investment as these can often be transferred in species (in other words as is). These types of contributions were called non- concessional contributions and have a limit of their own.

WHY US?

  • Members of Chartered Accountants ANZ and Financial Advisors
  • 30+ years in financial services, commercial and public practice
  • Licensed for Taxation, Audit and Authorised to provide Financial Advice
  • Authorised to provide Personal Financial Advice with appropriate taxation advice and guidance
  • Extensive experience with large and small business, family trusts, partnerships, SMSF’s, deceased estates and business restructuring
  • Specialise in self-managed super funds and provide accounting & tax, financial advice and audit services
  • Asset Management and Investment Advice
  • Personal Risk Insurance

  • Deposit Products
  • Managed Investments including Unit Trusts, Investment Bonds, Direct Shares, Property Trusts, Growth Funds, Balanced Funds, Indexed Funds and Cash Management Accounts
  • Share Market Investments
  • Tax Effective Investments
  • Superannuation, including Allocated Pensions, Rollovers, Personal Superannuation, Company Superannuation and Self Managed Superannuation Funds
  • Retirement Planning including aged care and estate planning
  • Life Insurance Products, including Annuities, Term Insurance, Income Protection, Trauma and Total and Permanent Disability Insurance
  • Investment Bonds
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North Financial Planning for tax-effective investment strategies

Paying taxes is an important legal requirement but by investing tax efficiently you can aim to make the most of your available tax allowances and incentives. Speak to us how.
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