SUPERANNUATION
AND RETIREMENT
PLANNING

Superannuation

Build your retirement nest egg, tax effectively via superannuation

With her experience working for two superannuation funds and as a financial adviser, Gianna possesses extensive knowledge to provide expert guidance on superannuation matters.

She understands the importance of developing a well-designed superannuation strategy to achieve retirement goals, regardless of one’s current life stage. Given the dynamic nature of superannuation rules, early consideration of superannuation as an investment is crucial, accompanied by appropriate advice to capitalise on available opportunities for retirement planning.

Gianna stays updated with the latest rules and regulations to ensure compliance and optimise your entitlements. Whether through one-off advice or the Private Wealth Program, our commitment is to assist you in creating a financial framework that aligns with your aspirations and goals. A concise superannuation strategy is a key element of this comprehensive process.

Superannuation advice encompasses reviewing your superannuation fees, contributions, investments, insurance coverage, and how it integrates with your overall estate plans.

Are you concerned about the investment volatility of your superannuation fund? We have many solutions for you to consider – so let’s have a chat.

Book your 15min consult today!

Collaboration

We may collaborate with other specialist services such as accountants, lawyers and mortgage brokers to get the best outcome for you.

Public Sector
Superannuation Expert

Gianna is widely recognised as a superannuation expert. With an extensive career spanning over 20 years in the field of superannuation, including notable positions at ComSuper (CSC) and the Commonwealth superannuation branch within the Department of Finance, Gianna possesses unparalleled skills and knowledge.

Her wealth of experience has granted her an exceptional understanding of Commonwealth superannuation schemes such as PSSap, PSS, and CSS. Consequently, her expertise is frequently sought by both fellow financial planners and senior public servants. Rest assured that you will receive accurate and reliable advice regarding these complex superannuation schemes.

Furthermore, Gianna’s industry background at ComSuper (CSC) has equipped her with comprehensive insights into military superannuation schemes like DFRDB and MilitarySuper.

Self-Managed
Super Fund

Gianna holds accreditation to offer SMSF (Self-Managed Superannuation Fund) advice. She is qualified to provide guidance on establishing, managing, or winding up an SMSF.

She frequently collaborates with your SMSF accountant to ensure you fulfill your obligations as a trustee and maintain a compliant superannuation fund. Gianna will assist in investing the fund’s assets according to its investment strategy or provide advice on updating the strategy if necessary. Additionally, she offers comprehensive superannuation advice encompassing rules, contributions, and insurance matters.

Retirement
planning

Enrich your life with a plan that ensures you're on track to retire comfortably

During the 90min Discovery Meeting, we will discuss ‘what would make a great life for you in retirement’. We will explore where you would like to live, what you’d love to be doing, whether you’d like to learn anything, and your legacy.

By understanding your ‘big picture’ retirement goals, and their costs, we can personalise your retirement plan.

Retirement and redundancy advice may include:

  • A strategy meeting to present financial modelling and crunch the numbers to see how you're tracking to afford the things you would like to do over the next 20+ years in retirement;
  • Help you calculate how much retirement income you need;
  • Superannuation advice;
  • Consider how investment properties, as an asset class, impact your overall retirement income needs and retirement goals;
  • Investment advice and portfolio management;
  • Centrelink Age Pension entitlements;
  • Superannuation pension and annuity advice;
  • A debt exit plan for your mortgage or investment debt; and Estate planning.

Redundancy

Been made redundant or are you thinking of taking a voluntary redundancy?

Let us help you make the right financial decisions.

Taking redundancy can significantly impact your finances, and you’ll have to make several financial decisions. Taking your payout as a lump sum will boost your finances immediately, but this may impact things like Family Tax Benefits. There are also tax benefits on payouts that you may be eligible for including cash flow considerations if you intend to find new employment, a career break or early retirement.

If you are in the Public Sector Superannuation Scheme (PSS), you must make an additional decision. You may have the option to claim the PSS pension, but there are potential tax implications and restrictions if you work for the Commonwealth or ACT Government again, which could impact your future retirement plans. Gianna understands the PSS and can advise what is best for you while considering your broader financial goals and current financial position.

It’s also a great time to reset your financial plans overall. Most employers subsidise financial planning fees, so use it wisely to seek financial advice. Ensuring you are financially secure will reduce the financial pressure while you look for a new job or enter early retirement.

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