Our Superannuation advice and services include

Understanding your Super fund and how it can benefit you

Superannuation, or simply “super,” is a crucial aspect of financial planning, especially when it comes to retirement. It is a long-term investment structure designed to provide individuals with financial security during their golden years. At Future Point Wealth, we offer a comprehensive range of superannuation services to help you make the most of your fund and secure a brighter future.

Discussing if a Self-Managed Super Fund (SMSF) is appropriate for you and why

One of the options available to you is a self-managed super fund (SMSF). This type of super fund gives you more control over your investments and allows for greater flexibility. However, managing an SMSF requires time, knowledge, and an understanding of your responsibilities. Our team will assess your financial situation, investment goals, and risk tolerance to determine if an SMSF is the right choice for you. We will provide you with tailored superannuation advice, guiding you through the benefits and potential drawbacks, ensuring you make an informed decision.

Consolidating your Super into one account

Over the course of your career, you may have accumulated superannuation accounts with different providers. Having multiple accounts can lead to unnecessary fees and complexity when managing your funds. Our team will assist you in consolidating your super into a single account, streamlining your finances and making it easier to track your investments. By consolidating, you can potentially reduce fees and enhance the performance of your super fund. Our superannuation advice will help you navigate this process effectively.

Reviewing your existing fund and finding a new one if appropriate

If you already have a superannuation fund, we will conduct a thorough review to evaluate its performance and assess its alignment with your financial goals. Our experts will analyse factors such as investment returns, fees, and risk levels. If we find that your current fund is not meeting your expectations or there are better alternatives available, we will provide you with superannuation advice to help you find a new fund that better suits your needs.

Explaining and potentially improving your fund performance

Understanding how your superannuation fund performs is essential for maximising your returns. We will provide you with clear explanations of your fund’s performance, breaking down complex investment jargon into easy-to-understand terms. Furthermore, we will explore strategies to potentially enhance your fund’s performance, such as diversifying your portfolio, managing risk effectively, and capitalising on market opportunities.

Matching your asset allocation to your investment risk preferences

Every individual has unique risk preferences when it comes to investments. Some prefer a conservative approach, prioritising capital preservation, while others are willing to take on higher levels of risk for the potential of greater returns. Our team will work closely with you to understand your risk appetite and tailor your super fund’s asset allocation accordingly. By aligning your investments with your risk preferences, we aim to optimise your superannuation strategy. Our superannuation advice will ensure your asset allocation is in line with your risk preferences.

Minimising taxes and fees

Taxes and fees can significantly impact the growth of your superannuation fund. We will analyse your current tax situation and explore strategies to minimise tax obligations legally. Additionally, we will identify any unnecessary fees you may be incurring and help you reduce them, ensuring more of your money goes toward building your retirement nest egg.

Providing a range of ethical investment options.

Investing ethically is not only about financial returns but also about making a positive impact on society and the environment. We are proud to offer a wide range of ethical investment options that align with your values. These investments are in companies that strive to make a difference, promoting sustainable practices, social responsibility, and positive change. With our ethical investment advice, you can grow your super while contributing to a better world.

Estate planning to ensure your assets are distributed according to your wishes

Planning for the future includes ensuring that your assets are distributed according to your wishes when you pass away. At Future Point Wealth, we understand the importance of estate planning and will assist you in liaising with your preferred solicitor. Alternatively, if you don’t have a solicitor, we can introduce you to one of our trusted partners who specialise in estate planning. Together, we will ensure that your superannuation funds and other assets are distributed in line with your wishes, providing peace of mind for you and your loved ones. Our superannuation advice extends to estate planning to ensure a seamless transition of your assets.