Superannuation and SMSF Advice
Superannuation and SMSF Advice
Superannuation is one of the most powerful tools you have to build long-term wealth and secure your retirement. But with so many options and rules, it can feel overwhelming to manage on your own.
At Willow Wealth Partners, we simplify superannuation by reviewing your current fund, managing your investment strategy, and advising on contributions that maximise tax efficiency and retirement outcomes. We also help clients establish and optimise Self-Managed Super Funds (SMSFs) when greater control is the right fit.
Why Superannuation Strategy Matters
Super is more than just a retirement account it’s a tax-effective investment vehicle. When structured properly, your super can grow faster and provide greater financial security in retirement.
Our tailored advice helps you:
✔ Choose the right fund for your goals and values
✔ Align your investments with your risk profile and timeframe
✔ Maximise contributions to take advantage of tax savings
✔ Stay compliant with the latest superannuation rules and changes
✔ Plan your retirement withdrawals to ensure income for life
Reviewing and Managing Your Super Fund
We start by reviewing your existing super fund(s) to ensure they’re performing well, cost-effective, and aligned with your investment goals.
If your current fund isn’t the right fit, we’ll recommend a better option whether that’s a retail fund, industry fund, or SMSF and manage the transition on your behalf.
Our financial advisers help you:
- Consolidate multiple accounts to reduce fees
- Review and adjust your investment mix for growth or stability
- Develop a contribution strategy to build wealth and save tax
- Understand and track your insurance cover inside super
Schedule a Call
In a quick 30-minute chat, we’ll explore your goals and financial needs to determine how we can best support your journey to success.
SMSF Advice and Support
For clients who want greater control, flexibility, and investment choice, we provide comprehensive SMSF advice and support. With over a decade of experience managing SMSFs, our team will help you:
✔ Determine if an SMSF is right for your situation
✔ Set up your fund in line with ATO compliance requirements
✔ Select appropriate investments within the SMSF
✔ Coordinate administration, tax returns, and audits with trusted partners
✔ Review your SMSF strategy regularly to keep it on track
Whether you’re starting a new SMSF or improving how your existing fund operates, we’ll ensure it’s aligned with your wealth-building and retirement goals.
Contribution Strategies for Tax Efficiency
Contributions are a key part of super planning. We help you get the balance right between building retirement savings and minimising tax today.
Our advisers can guide you through:
- Pre-tax (concessional) contributions including salary sacrifice
- After-tax (non-concessional) contributions
- Spouse contributions to equalise balances and save tax
- Making the most of carry-forward contribution caps
These strategies are tailored to your income, goals, and retirement timeline and can be updated over time as your situation changes.
Why Work With Willow Wealth Partners?
✔ We integrate super advice into your broader financial strategy, including investments, cashflow, insurance, and estate planning
✔ We’re experienced with both mainstream funds and SMSFs
✔ We work with high-income professionals, business owners, and self-funded retirees
✔ We keep things clear, compliant, and simple—even when the rules aren’t
Make the Most of Your Superannuation
Whether you’re in the early stages of building super or getting ready to draw down in retirement, we’ll help you make the most of every dollar inside your fund.
📞 Book a complimentary consultation today and take control of your financial future.
FAQs
Why is superannuation important for my financial future?
Super is one of the most tax-effective ways to build wealth for retirement. With concessional tax treatment and the ability to invest over the long term, it can significantly boost your retirement income, especially with the right strategy in place.
How do I know if my current super fund is the right one?
We review your existing fund to assess performance, fees, investment options, and insurance cover. If it’s not working for you, we’ll recommend a better fit and help manage the transition, whether that’s to a retail fund, industry fund, or SMSF.
What are the benefits of a Self-Managed Super Fund (SMSF)?
SMSFs give you greater control, flexibility, and investment choice, including the option to invest in property, direct shares, and other assets. They can also offer tax planning opportunities and estate planning benefits provided they’re set up and managed correctly.
Is an SMSF right for everyone?
No, SMSFs are best suited for people who have the time, interest, and balance (generally $500,000+) to make it worthwhile. We’ll help you weigh the pros and cons and decide whether an SMSF is a good fit for your goals.
Can I make extra contributions to my super?
Yes, we’ll help you understand the rules around concessional (pre-tax) and non-concessional (after-tax) contributions, including how to maximise tax savings and take advantage of unused contribution caps.
What’s a Binding Death Benefit Nomination, and do I need one?
A Binding Death Benefit Nomination (BDBN) ensures your super is paid to the person you choose if you pass away, it’s not automatically covered by your Will. We’ll help you complete the correct paperwork so your super is passed on as intended.
