Superannuation and SMSF

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For most Australians,  Superannuation (super for short) begins when they start work. Your employer will make contributions for you over your working life. From 1 July 2024, your employer is required to pay 11.5% of your salary (formally called ordinary time earnings). This percentage will rise to 12% from 1 July 2025. 

You also can make contributions to your super and some of those contributions can be tax deductible. However, there are limits on what you can put in and what you can claim a tax deduction for. So make sure you understand the rules before you act. 

For those people who want even more control over how their money is managed and invested, they can do that through a self-managed super fund. Self-managed super isn’t for everyone, but there are some real advantages to this vehicle other types of funds.

Why is superannuation important?

Superannuation is a critical part of financial planning because it ensures you have a steady income stream after retirement. Unlike other savings, superannuation benefits from employer contributions, your contributions and investment compounding over time. This makes super a powerful tool for building a substantial retirement fund. Additionally, superannuation funds often tax advantages over other types of investment options, which can also enhance your savings over time. 

Properly managing your superannuation can mean the difference between a comfortable retirement and financial uncertainty. By investing appropriately in superannuation, you are essentially securing your future, ensuring that you can maintain your lifestyle and cover essential expenses without financial stress.

How can we help?

We specialise in superannuation. We provide personal financial planning advice tailored to your specific situation. We also provide superannuation strategies to help you make the most of these important retirement savings. 

• We provide personalised advice tailored to your unique financial situation, helping you choose the right superannuation strategies to help your super grow. 
• Our financial adviser holds certifications from recognised institutions such as Universities, the Financial Advisers Association of Australia and the SMSF Association, which ensures you can seek expert guidance with confidence. 
• We also offer regular reviews of your superannuation or self-managed superannuation to adapt to any changes in your financial goals, market conditions or new legislative requirements which often arise. 

At EKB Financial Advisers, we pride ourselves on helping our clients make informed decisions.

Testimonials

"Dale was extremely helpful for us and set out a clear and precise plan for our retirement. He was able to answer all our questions. We came out of the meetings feeling very happy and confident for our future. We would definitely recommend Dale to friends family and colleagues."

- S, Glen Waverley, VIC

"Without doubt, seeking comprehensive financial advice from Dale at EKB Financial Advisers has been the best financial decision I have ever made. Dale was recommended as a highly educated, skilled and experienced financial adviser. He spent many hours with me carefully listening, asking the right questions and fully understanding my needs, life goals and plans. He worked with me through every aspect and how I can achieve these plans relative to my financial position, both in the short and long-term. Specifically, Dale advised me on the most effective strategies to manage a family inheritance, invest long-term in superannuation, develop an investment portfolio outside of super. He also provided considered guidance and advice on all aspects related to my estate planning including enduring powers of attorney, Wills and binding death nominations. I could not recommend Dale more highly. I will recommend him to family, friends and colleagues without hesitation knowing they will receive the very best and carefully considered advice. Dale is a gentleman and a very nice person. Exceptional communication and interpersonal skills. Thank-you Dale. I look forward to a long-term partnership."

- N, Malvern, VIC

Make an appointment 

We invite you to make an appointment with us if you need assistance with managing yoursuperannuation or SMSF. Call us on (03) 99692230 to make an appointment. We are able to take your call during business hours. Alternatively reach out to us on our website contact form, and we’ll call you back to arrange a time to meet. 

By understanding and managing your superannuation effectively, you can ensure a more secure, certain and comfortable retirement.