We believe that one of the key areas to saving for retirement is to plan now, so you can live well later.
Superannuation Services At Intergenerational Wealth: We have flexible super solutions for all investors. Our superannuation offer covers Personal Super, Business Super and Self-Managed Super Funds (SMSFs). Our extensive range of personal super investment solutions includes a protection option that will provide you comfort during times of high market volatility.
Services include Personal Superannuation, Corporate/Group Superannuation, Investment asset allocation, Government co–contribution, Salary sacrifice, Eligible spouse contributions, Personal insurances funded via superannuation, Retirement Gap analysis, Transition to retirement, Tax Free vs Taxable components, Non-concessional contributions, Concessional contributions, Superannuation based income streams for retirement, Binding nominations vs non-binding nominations, Reversionary beneficiaries, Contributions for the self-employed
Areas of expertise
At Intergenerational Wealth we have flexible super solutions for all investors. Our superannuation offer covers personal super, business super and self-managed super funds (SMSFs). Our extensive range of personal super investment solutions includes a protection option, that will provide you comfort during times of high market volatility.
What is superannuation?
Superannuation is one of the most effective tax structures you can hold. The reason for this is that its sole purpose is designed for retirement, and as such it receives concessional treatment in many areas of taxation law.
Due to the mystique and confusion about superannuation, many Australians don’t pay any attention to their superannuation until it is too late. Currently, in Australia, employers contribute at least 9.5% of their employee’s salary into Superannuation, with this figure to increase to 12% through proposed legislative changes. As a result, for many Australians, superannuation may be their largest investment held during their lifetime. Therefore it would be prudent to take the time to speak to a professional to ensure that your superannuation is invested in the best asset classes and platform to suit your needs.
How can Intergenerational Wealth assist?
At Intergenerational Wealth our dedicated Financial Planners will discuss your retirement plans and help to put strategies in place, to ensure you achieve your goals. Some of their areas of specialisation include:
- Personal Superannuation
- Corporate/Group Superannuation
- Investment asset allocation
- Government co – contribution
- Salary sacrifice
- Eligible spouse contributions
- Personal insurances funded via superannuation
- Retirement Gap analysis
- Transition to retirement
- Tax Free vs Taxable components
- Non-concessional contributions
- Concessional contributions
- Superannuation based income streams for retirement
- Binding nominations vs non-binding nominations
- Reversionary beneficiaries
- Contributions for the self employed
SMSFs are super funds that are run by you. An SMSF will give you more control over your super and retirement planning, but it comes with a lot of responsibilities with being a trustee. At Intergenerational Wealth we will assist you with the complex area of SMSF’s.
Superannuation legislation is forever changing. Our experienced advisers at Intergenerational Wealth will ensure you achieve the optimal outcome from each legislation change.
Superannuation earnings are only taxed up to 15% which is generally significantly less than the average Australian’s marginal tax rate of 32.5%. Why not use Superannuation as a tax haven?
Get in touch with one of our financial advisors at (03) 9746 7643, or simply provide your details to schedule a no-obligation meeting, and we’ll reach out to you promptly. Additionally, we offer the option to arrange a home visit outside of regular business hours for your convenience.