Self Managed Superannuation SMSF

Superannuation Investment Advice

Do you want a Self-Managed Super Fund (SMSF), and want to find out more about them, and if its right for you?

Do you already have an SMSF and need to make some good investment decisions and want some support with your overall Self-Managed superannuation investment Strategy?

Or do you have an SMSF and need to wind it up (close your SMSF)?

early retirement planning

Whatever your Self-Managed Super situation Roe Financial can provide some guidance.

We can work with your existing accountant to help you get the most out of your Self-Managed Super. Don’t have an accountant, no problems, we have a couple of solutions that will work for you if a Self-Managed Superannuation fund is what you want.

Accountants who need some strategic support with their Self-Managed Superannuation clients are also welcome to contact us.

Roe financial often see many business owners who benefit from buying their business premises and commercial property in their Self-Managed Super, we can discuss this more when we meet.

Roe Financial offer the best in the business administration solution, and management of your self-managed super fund, we have several levels of involvement ~ some clients preferring to be very involved while other clients prefer to take a bit of a step back. By discussing your needs about the Self-Managed Super Fund and the types of investments you want to have in the fund, enables us to pick the best service for you. Of course, we also work with your specific accountant and ensure that the administration and the self-managed super fun strategy are always up to date and that the fund is working for your long-term best interests.

Please note, I DO NOT check my emails 24/7.  I usually check my emails once a day, Monday to Friday, and rarely on a weekend, as such it may take up to 24 hours for me to respond to you. If urgent please call the office.

ANTHONY ROE GradDipFinPlan, AdvDipACC, BA Flinders, DipProperty, GAICD.
(Financial Planner)
P: (08) 7226 2119
A: Suite 11 / 780 South Road Glandore SA 5037

If you currently have a SMSF and would like the Roe team to do a ‘Health Check’ on your fund, book a discovery meeting and we can arrange to do that for you.

Maximising your super

The government provides generous tax incentives to encourage Australians to invest in super with contributions being taxed at 15% rather than the personal income tax rate of up to 49%, including the Medicare and the temporary Budget Repair levies. You might consider setting up a salary sacrifice arrangement with your employer, allowing you not only to make super contributions from your pre-tax salary but also potentially reducing your income tax bill.

You may be eligible for other benefits, such as the government co-contribution when you make after tax contributions to your own super or a tax rebate when making contributions to your spouse’s super. You may even be able to save tax by paying for your life insurance through your super.

Some people find it difficult to know how much to contribute to super apart from the current employer sponsored superannuation level of 9.5% (this is set to gradually increase to 12% 2025). There is no right or wrong amount but there are contribution caps (set out by legislation) which limit how much you can contribute each year without additional tax applying.

If you own a small or medium-sized business, we can advise you on how to structure a corporate super plan that takes into account any salary packaging requirements and remuneration programs.

It is never too late to take control of your super, but the rules are complex.It is important to get professional financial advice to ensure you make the most of your superannuation savings.

To find out how to maximise your super, call 7226 2119 or email us.

Important Information

Information in this web page is based on regulatory requirements and laws, which may be subject to change. While care has been taken in the preparation of this document, no liability is accepted by Roe Financial, its related entities, agents and employees for any loss arising from reliance on this document.

Taxation considerations are general and based on present taxation laws and may be subject to change. You should seek independent, professional tax advice before making any decision based on this information.

Roe Financial is also not a registered tax (financial) adviser under the Tax Agent Services Act 2009 and you should seek tax advice from a registered tax agent or a registered tax (financial) adviser if you intend to rely on this information to satisfy the liabilities or obligations or claim entitlements that arise, or could arise, under a taxation law.

This web page may contain general advice. It does not take account of your individual objectives, financial situation or needs. You should consider talking to a financial adviser before making a financial decision.

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