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Superannuation

In most instances, superannuation is the way that we generally save money for our retirement. For most of us, our first foray into the superannuation environment is to join a fund as soon as we are employed (quite often an industry or retail fund) because by law our employer must pay contributions into a fund on our behalf.

These first tastes of superannuation are often accompanied with a level  of ignorance, mainly as  a  result that due to being in our early twenties, it is such a long time before the superannuation account balance is able to be accessed.

Despite not being able to access superannuation until conditions of release have been met (most commonly retirement), it is important for everyone to take an interest in their superannuation, as ultimately their superannuation balance will potentially need to fund a considerable portion of their life after they cease employment.

By considering the different options available in the superannuation arena earlier in life, you can ensure that your money is working as hard as it possibly can in the accumulating years prior to retirement, and then in the years after retirement.

There are five basic types of funds that you can invest your superannuation savings into and Brett Hansen, an accredited SMSF Specialist Advisor can help determine what fund may be best suited to your needs.

As the government encourages Australians to take responsibility for their own funding through retirement we have seen a significant growth in the area of superannuation, in particular, self-managed superannuation funds (SMSF).

SMSF’s offer a number of advantages over the traditional institutional styled funds as they allow you to:

  • Reduce income tax
  • Provide the benefit of increased flexibility especially during retirement and much more.
  • Take control of your Superannuation and know when and how it is being invested
  • Maximise your cash flow and consequentially your wealth by providing tax-effective planning
  • Minimise your tax liabilities within legal boundaries
  • Structure your Superannuation for the most effective and efficient estate planning for your family
  • Review your fund on a timely basis to enable you to make changes based on current investment patterns


Our Services to you include:

  • Preparation of financial statements
  • Preparation of taxation return
  • Audit of self managed superannuation funds
  • Rollover advice
  • Establishing your Self Managed Superannuation Fund
  • Pension Establishment
  • Administration of your Fund
  • Investment Strategies
  • Binding Death Benefit Nominations

Superannuation law is a delicate area and personalised planning is required for each individual. At Hansens, we have a specialised team that can help you achieve your goals through to your retirement and beyond.

To discuss your superannuation needs contact Brett Hansen.