Super & Retirement
Consolidate, optimise, and plan for the retirement you want.
It is never too early to start
Everyone knows it is never too early to start saving for retirement, but have you really invested in the right superannuation for your individual circumstances? If you have worked at several different companies over the years, you may not just have one superannuation fund in place, but several. If you are just starting out in your first job, you may be wondering which super fund you should choose.
At Luda Financial Solutions, our superannuation advisor in Perth can help you make the right decisions when it comes to your super.
Find your lost super
Multiple super funds mean multiple sets of fees, multiple insurance policies, and multiple statements to track. We help you consolidate your super into a single fund that matches your risk profile, your retirement timeline, and your fee tolerance.
We work with several different superannuation funds, and depending on your personal circumstances and future financial goals we will make recommendations on which super fund will suit your needs best.
Top up your super
Employers are required to contribute a minimum amount each quarter to your super fund, but did you know you can also top up your super throughout the year? This will help you realise your retirement planning goals earlier than you may have thought possible.
We will advise on the most tax-effective ways to contribute, including salary sacrifice and personal deductible contributions, and ensure you stay within the annual caps.
Combine super and insurance reviews
We will also combine our review of your superannuation with a review of your personal insurance requirements. Some superannuation policies may come with automatically included options for life insurance and income protection, and we will make sure you are not paying for cover twice and that you are actually able to benefit from any default insurance policies held within your super.
If you are interested in making investments outside of your superannuation as part of your retirement planning strategy, we can assist you with investment advice as well.
Plan your retirement income
Retirement planning is not just about accumulating a lump sum. It is about knowing how much you will need to live comfortably, how long your money needs to last, and what income streams you will draw from.
We will help you estimate your retirement income needs, assess your eligibility for the Age Pension, and model different scenarios so you can make informed decisions.
Book a super review
A 30-minute review could save you thousands in duplicate fees and help you retire earlier. There is no obligation.