FINANCIAL ADVICE · BRISBANE
Superannuation and SMSF advice in Brisbane
Your super needs a plan that fits both your future and the life you are living now. We help you understand your fund, contribution options and investments, including whether a self-managed super fund may suit your circumstances.
Book a complimentary 30 minute meetingA first conversation about your questions. We’ll agree the scope and fees before preparing personal advice.
YOUR QUESTIONS, YOUR PRIORITIES
What do you need to understand about your super?
The useful questions often change as your income, family and retirement plans change.
Is my current fund still suitable?
You may have accounts from earlier jobs, investment choices you have not reviewed, or insurance you are unsure about.
Would an SMSF suit me?
You may want more involvement in investment decisions and need to understand the costs, responsibilities and alternatives.
How will super support retirement?
You may be approaching retirement and considering contributions, access to your savings and future income needs.
REVIEWING YOUR SUPER
Look at the whole arrangement.
We consider your existing super alongside your cash flow, other assets and retirement goals.
Fund and investment choices
Review fees, investment options, risk and performance in context. A change of fund needs a clear reason and consideration of what you may give up.
Contribution planning
Consider before-tax and after-tax contributions, salary sacrifice, spouse contributions and unused contribution caps where available. Eligibility, limits and your cash needs matter.
Insurance and beneficiaries
Check the cover held through your fund and your beneficiary nominations. Combining accounts or changing funds may affect existing insurance and other benefits.
Preparing for retirement income
Consider when you may be able to access super and how withdrawals could fit your spending needs, investments and other sources of income.
SMSF ADVICE AND SUPPORT
More control comes with more responsibility.
We advise on whether an SMSF is suitable for you. If it is, we arrange for the accountant to prepare the deeds. Once the fund is established, we organise the bank account and rollovers.
Your reasons for an SMSF
Start with what you want to achieve and whether your existing fund or another super option could meet those needs.
Costs and ongoing work
Consider setup and running costs, record keeping, annual reporting and the time you are willing and able to commit.
Investments and cash needs
Consider diversification, liquidity and risk alongside the fund’s retirement purpose and the needs of its members.
Planning for change
Think about how the fund would operate if a trustee became unwell, died or could no longer manage it, including when winding it up may be appropriate.
UNDERSTAND THE TRADE-OFFS
An SMSF is not the right choice for everyone.
Trustees remain legally responsible for their fund, even when they use professional advisers. An SMSF does not guarantee better returns or lower costs, and some protections available in other super funds do not apply.
Super also has contribution and access rules. We consider those limits alongside investment risk and your need for money outside super before recommending a strategy.
HOW ADVICE WORKS
A clear process, with room for your questions.
We begin with your priorities and existing arrangements. If advice is suitable, we explain the proposed work and fees before you decide whether to proceed. Any ongoing service is agreed separately.
Understand your priorities and current position
Agree the advice scope and fees
Explain your options and the practical next steps
COMMON QUESTIONS
Questions about super and SMSFs.
The right approach depends on your circumstances, not simply your account balance.
Should I combine my super accounts?
Possibly, but first compare fees, investments, insurance and any benefits you could lose. Moving or closing an account can end insurance that may be difficult to replace.
Is there a set balance that makes an SMSF worthwhile?
Balance is one consideration. Costs, investment needs, your knowledge and the time you can commit also matter. A particular balance does not establish that an SMSF is suitable.
Can I contribute more to super?
You may have options, depending on your age, balance, contribution history and other eligibility rules. We consider available caps and the money you need for other commitments before recommending extra contributions.
What happens if an SMSF is suitable for me?
We arrange for the accountant to prepare the deeds. Once the fund is established, we organise the bank account and rollovers.
CONNECT THE WIDER PICTURE
Super is one part of your retirement plan.
Explore related advice, or browse our Education library for more articles.
Retirement planning
Connect super decisions with the income and lifestyle you want in retirement.
Explore this topic → 02Personal insurance
Understand how insurance through super fits your wider protection needs.
Explore this topic → 03Estate planning
Consider beneficiary nominations alongside your wishes for family and wealth transfer.
Explore this topic →TAKE THE FIRST STEP
Let’s talk about your super.
Whether you are reviewing a fund, considering an SMSF or approaching retirement, start with the questions that matter to you.
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Lobby 1, Level 2, 76 Skyring Terrace
Newstead QLD 4006
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Willow Wealth Partners Pty Ltd (ABN 57 666 182 556) is a Corporate Authorised Representative of Cobalt Advisers Pty Ltd (ABN 64 628 654 099), Australian Financial Services Licence 512550.
Important Information
Information contained on this website is of a general nature only. It does not constitute financial or taxation advice. The information does not take into account your objectives, needs and circumstances. We recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision or acting on any of the information contained in this document. Subject to law, Cobalt Advisers Pty Ltd nor their directors, employees or authorised representatives, do not give any representation or warranty as to the reliability, accuracy or completeness of the information; or accepts any responsibility for any person acting, or refraining from acting, on the basis of the information contained in this document.
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