Helping you confidently transition into the next chapter of your life.
Superannuation and Retirement Planning

Superannuation and Retirement Planning

Together with the government age pension, superannuation forms the basis for Australia's retirement income policy, and is a tax effective way for all Australians to save for their retirement. As a result of being tax effective, there are a number of rules that apply to restrict how much income you can contribute and the conditions under which you can access it. An appropriate superannuation strategy is essential when planning your retirement to ensure you will be able to fund your desired retirement lifestyle.
 
Patersons in-house superannuation specialists can walk you through the maze of regulatory requirements and provide advice on the setup and management of your superannuation investments or self-managed super fund. They can help you decide which type of structure best suits your needs and advise how much you should regularly contribute to achieve your retirement lifestyle objectives. They can also help you consolidate multiple super funds and switch to a different fund or structure, if appropriate.
 
There are a number of strategies you can employ to increase the balance of your super savings and optimise your income stream in retirement. Our super specialists can help you decide if any of the following strategies are appropriate for you:

  • Personal after-tax contributions

  • Salary sacrifice

  • Transition to retirement pension

  • In-specie contributions

  • Spouse contributions