Make your super work as hard as you do
Superannuation is one of the most powerful wealth-building tools available to Australians, and one of the most commonly neglected.
Many people spend decades paying into a super fund without ever checking whether it is the right one for them, whether their investment option is appropriate, or whether they are contributing in the most tax-effective way. By the time they get close to retirement, those decisions have had a compounding impact, for better or worse.
The five to ten years before retirement are where super strategy matters most. The contribution, structuring and investment decisions made in that window can be the difference between a retirement that is comfortable and one that is constrained. At Moolawise, we help clients take control of their super at every stage of life, from choosing the right fund structure in their thirties, to maximising contributions in the lead-up to retirement, to converting super into a sustainable income stream that lasts.
What we cover:
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Fund selection and fund comparison
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Investment option review within your existing fund
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Salary sacrifice and voluntary contribution strategies
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Consolidation of lost or multiple super accounts
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Self-Managed Super Funds (SMSFs) — establishment, compliance and investment strategy
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Transition to retirement (TTR) strategies — reduce tax and boost super while still working
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Contribution caps, co-contribution and spouse contribution strategies
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Recontribution strategies for estate planning and tax-effective wealth transfer
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Beneficiary nominations — binding vs non-binding, and the implications for your estate
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Account-based pension setup and sustainable drawdown strategy
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Age Pension eligibility, means testing and optimisation
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Coordination with broader tax, retirement income and estate planning
Who is this for:
Superannuation advice is valuable at any age, but its impact compounds the earlier you start. We work with clients in their thirties and forties who want to get their fund structure and contributions right, those in their fifties approaching the critical pre-retirement window, and clients who are already retired and want to ensure their pension drawdown strategy is as tax-effective and sustainable as possible. We also work with clients interested in establishing, managing or winding up an SMSF.
If you are within ten years of retirement and have not had your super reviewed recently, that is the most important place to start.
Thinking about retirement?
Super is the foundation of your retirement income, but it is only part of the picture. How you draw it down, how it interacts with the Age Pension, and how it fits alongside your other assets all shape the retirement you actually get to live.
If retirement is on your horizon, we can model your retirement income, stress-test your savings against your expected lifestyle costs and build a strategy that gives you confidence in what's ahead.