Superannuation Advice and Strategy
At Excel Wealth, we can help you understand the complexities of superannuation and provide qualified financial advice so you can enjoy life now while you prepare for the future.
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Structuring Your Super for Financial Stability
At Excel Wealth, we specialise in offering comprehensive superannuation advice and strategies. Whether it’s consolidating your superannuation accounts, determining your annual contribution limits, or developing retirement preparation strategies, our advisers are here to assist you every step of the way.
Tailored Superannuation Advice
How We Can Help You
Finding The Ideal Fund
Let our experienced team guide you through the different Super options, helping you find the fund that aligns with your specific needs and aspirations.
Maximising Super Potential
Our financial experts can help you explore the best options to boost your Super, save on tax through salary packaging and save more for your retirement.
Consolidating Your Super
We help you maximise your funds at retirement by consolidating your Super, saving you on fees and increasing your savings at retirement.
Understand Your Super
We provide comprehensive support and advice so you have the information you need to live your life in the way that you want!
Looking For Superannuation Advice?
Partner With Excel Wealth Today
Maximise the potential of your Super with expert guidance tailored to your unique needs. Ensure the retirement you deserve with Excel Wealth today.
Understanding Your Super
Superannuation (or Super) is a specialised fund designed to help you accumulate savings for your retirement. Governed by trustees and regulated by government bodies, it offers valuable tax benefits that lead to substantial savings throughout your working life.
However, funds cannot be withdrawn until specific conditions are met, ensuring sufficient retirement savings. Employers may also contribute to your superannuation account through Superannuation Guarantee Contributions (SGC), using pre or post-tax income based on age-based caps.
Understanding the intricacies of superannuation is crucial. From different funds and investment strategies to fees and eligibility for government benefits, it can be complex to navigate. With the guidance of our experienced team, you can confidently navigate your super and maximise your savings.
Whether you’re aiming to boost your contributions, optimise your investment returns, or understand eligibility criteria for government benefits, our experienced team will provide you with the knowledge and tools to make informed decisions about your Super and retirement.
The Benefits Of Superannuation
Secure Your Financial Future
- Your superannuation fund invests your savings and provides the opportunity for your money to grow over time.
- Earnings in super are taxed at 15% which is lower than the average marginal tax rate.
- After you turn 60, withdrawals from your super fund are tax-free, providing a tax-efficient income stream during retirement.
- Tax treatments will vary on lump sum payments based on the size of the benefit and the age and service period of the member.
- Insurance premiums may be paid from your pre-tax salary providing a tax benefit.
Superannuation FAQs
Find the Best Solution for You
It’s never too early to start retirement financial planning. Getting the right financial planning advice early on can help you to understand your goals and make your retirement transition a smooth process.
Early preparation and planning will help ensure the necessary funds are available when the time comes to leave the workforce.
