Superannuation (or super) is a fund specifically designed to help you save and invest for your retirement.
It’s restricted as you generally can’t withdraw from super until you retire or reach your preservation age (that’s the intention, although there are special conditions of release.)

And super funds are set up as trust funds. This means a trustee is appointed to manage the fund on behalf, and for the benefit, of its members. Super receives special tax treatment compared to your other money. When it comes to investing over the long term, there aren’t many better tax-effective ways to save for your retirement. Lower taxes and more investment options – such as local and international shares, property and fixed interest investments – offer your super more potential to grow.

This is how we at Blue River Financial Services can help with your superannuation-

• Development of definable retirement goals in line with your future lifestyle expectations
• Advice in regards to existing funds and established funds
• Consolidation of funds to provide ease of tracking and reduce overall fees
• Selection of investment options, including a full Superannuation Investment Strategy
• Review and recommendations of insurance solutions
• Recommendation around salary sacrifice and non-concessional contributions to superannuation for asset protection, tax optimization, and wealth building.

For more information about Superannuation Advice, please contact us.

Self Managed Superannuation

Self-managed superannuation funds (SMSF), can provide a great deal of flexibility in retirement, but along with that flexibility comes a great deal of regulation. Managing your own superannuation fund can therefore be a complex and time-consuming task.

We assist clients to understand their obligations and provide practical advice in operating Self-Managed Super Funds.

Our services include:

• Advice on establishing funds, depending on the client’s requirements.
• Comprehensive advice on the ongoing management and compliance of the fund.
• Working closely with the fund trustees and providing on-going education.
• A quarterly/half yearly review service to maintain the fund.
• Ongoing communication with accountants and lawyers in regards to the fund.
• Investment advice.
• Estate planning considerations.

For more details please contact us.