Superannuation & Self Managed Super Fund Advice
We help you make the right financial decisions to plan for your financial freedom in retirement
Grow your Superannuation and secure your financial future
Since it’s induction in 1991, Superannuation is one of the biggest financial investments every Australian has to manage throughout their life.
However, most Australians spend little or no time planning and understanding their superannuation.
Did you know that most people need 65% of their pre-retirement income to retire comfortably?
That’s why FM Financial creates a tailored retirement and superannuation plan to help you achieve the lifestyle and financial freedom you want in retirement.
Understanding your current financial position in relation to your super and retirement can be a complicated and stressful process. Our process will help you with the following:
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How many funds do you have and should you combine them?
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How much money do you currently have in your superannuation account(s)?
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What is the best super fund for you?
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Should you set up a Self Managed Super Fund (SMSF)?
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Have you considered the lifestyle you’d like for your retirement?
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How much money will you need?
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Have you thought through the different stages of retirement from celebrating your financial freedom through to aged care considerations and estate planning?
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When you speak to an FM Financial Adviser we make sure you understand and are fully prepared for all the stages of your retirement journey.
In a free consultation meeting we can take you through the process we work through with our clients, and the information needed to create your individual financial plan, including your goals and plans for retirement.
The benefits of managing your super with FM Financial
Our Superannuation Strategy Benefits
Together with your FM Financial Adviser you can work out how best to structure your Super and the best strategy for your retirement planning
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Assess your current superannuation and recommend the best strategy
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Discuss and evaluate your retirement goals
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Analyse the retirement income you hope to have, and ensure you are making the correct contributions and investments to achieve that goal
Our financial advisers help:
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Understand & clarify your vision
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Review your financial position
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Develop a unique action plan with clear objectives to achieve for retirement
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Review and adjust your plan over time
Starting your own Self Managed Super Fund with FM Financial
Our Self Managed Super Fund service
FM Financial's SMSF service makes it simple for you to manage your self-managed superannuation fund, so you can have full control over your investment strategies and retirement planning.
FM Financial offers a comprehensive self-managed superannuation service.
By partnering with you and taking care of the paperwork, we assist you in setting up a self-managed super fund.
We provide support that allows you to have the ongoing administration, taxation, and audit handled by professional advisers in conjunction with FM Financial, with specialist investment advice provided by the FM Financial advice team.
This means you can now get the advantages of self-managed super funds, without being inundated with paperwork.
FM Financial offers our clients a comprehensive package of services or tailors a service that best suits our client’s individual needs.
We are specialists in providing advice on what assets might be used within a SMSF whether this is shares, property, cash based or using managed funds.
Top 3 reasons why you should use an SMSF
Choice and control
At FM Financial we partner with you by taking the hassle out of running your own self managed super fund.
In conjunction with your FM advisor you can choose the investment strategy including property, shares and other assets that you may already own that is right for you.
Cost effective
When compared to traditional funds self managed super fund fee structures usually delivers substantial savings.
Superannuation can be the most tax effective and strategic way to fund your retirement
Family friendly
Self managed super fund allow family members to have one flexible super fund to address the needs and requirements of your family.
They can save tax, and assist greatly with estate planning.
We can help with your superannuation and SMSF goals
Our core objectives are to help you build, manage, and protect your wealth while providing tailored financial advice based on your specific situation and goals for the future.
We develop and action a tailored financial plan that includes superannuation and retirement to help achieve the goals you outline in our planning session.
The plan that we develop for you considers:
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Your individual goals
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Your current and future lifestyle preferences
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Your current financial situation
In our initial planning meeting, we focus on understanding what you want your retirement years to look like and how we help you achieve your vision.
There are many ways to plan for the retirement years of your life.
We can help you with areas including:
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Cash Flow and Cash Flow Management
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Estate Planning
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Transition to Retirement
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Centrelink
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Superannuation and SMSF
Superannuation is one of the longest and largest financial investments you have. Don’t risk your future and that of your family by not understanding and managing it the best way.
Have been clients for approx 40 years and have always received excellent service & advice. Highly recommend FM Financial & Staff.
Noel & Doreen