Superannuation

Superannuation is one of the most effective ways to build wealth. And for most people, their super is one of their biggest assets.

Yet most people don’t put much thought into their super, often going with their employers default fund and the funds default investment.

The problem is these super funds and investments weren’t chosen to suit you and your goals. That’s where we come in. We can help you choose a low-cost fund suitable for you and your goals. And because we are not influenced by the big banks, we have more options available for you.

Once you have the right fund, we can build a plan that helps you get the most out of your superannuation. from salary sacrificing to transition-to-retirement pensions.

Grow Your Wealth

Super is an area of wealth often neglected by people, especially when just starting out. However, it can be one of the best ways to grow your wealth.

When you’re young, it is important to get your super off to the right start. Too often we see young people in accounts that are expensive and in investments that just aren’t suitable to them.

Your super can even help you save for your first home though the First Home Super Saver Scheme.

Whatever your goals, your super plays a big part in your future. We can help get your super on the right path.

Plan For The Future

At this stage you’re getting serious about your super, but retirement is still awhile off.

Now is the time you can really accelerate your superannuation. By choosing the right super account and investment options, you can reduce your fees and improve your investment returns.

You might also be considering putting more into super. Maybe it’s time to consider salary sacrificing? Or maybe you want to split your contributions with your partner?

By implementing the right strategies now, you can ensure your super is on track to provide you with the type of retirement you deserve.

Enjoy Your Retirement

This is the time when your super is the most beneficial. Most people worry their superannuation won’t last as long as they need it to.

But with the right strategies in place you can get a lot more out of your super than you might think.

At this stage you might be able to have all or part of your super in a tax-free environment you can withdraw from to either fund your retirement or help you reduce the hours you work. Giving you more time for the more important things in life.

Future Planning

While retirement might seem quite a distant topic for some, not properly preparing for it, can create a shortage in your future. We will carefully review your retirement funds (superannuation), and advise you on the most suitable options for your personal needs.

Our experts at Constellation financial planning we will offer you well-informed advice, based on extensive superannuation knowledge and experience in this field.
Your superfunds play an important role in a successful retirement. To ensure that your retirement will be the way you deserve it, relaxing and enjoyable, our financial experts can help with superannuation advice, aiding you in obtaining your financial independence.
Together, we will find a suitable option for you.

Our financial experts specialize in superannuation and will provide you with optimal advice to achieve your goals of financial retirement.
Our experts will explain the choices most suitable for your personal needs. Carefully listening to your personal story, we will take a closer look at your current super balance, retirement plans, and future financial commitments for your retirement. We can help you at any stage, whether you are very close to retirement, or you still have many years of work in front of you.

While changes in Australian law in 2005, gave more superannuation options to employees, they also came with new challenges. Considering the increasingly harsher economic climate, dealing with retirement funds is more difficult than ever.

Is your fund in top performance? Do you feel like you should make some changes in your finances?  We are here to help you plan the changes.

Choosing the right option can sometimes be hard and potentially stressful. If you are unsure of which way to go, our experts in superannuation advice are here for you.

To schedule an appointment or get more information, call us directly on 02 8814 7977 or fill up the appointment form.

Contact Us Today and we can help you get on track

The information shown on this site is general information only, it does not constitute any recommendation or advice; it has been prepared without taking into account your personal objectives, financial situation or needs and you should consider its appropriateness with regard to these factors before acting on it. Any taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and our interpretation. Your individual situation may differ and you should seek independent professional tax advice. You should also consider obtaining personalised advice from a professional financial adviser before making any financial decisions in relation to the matters discussed hereto.


Constellation Financial Planning Advisers are representatives of Libertas Financial Planning ABN 27 160 419 134 AFSL 429 718. Constellation is a Corporate Authorised Representative (CAR 1260791) of Libertas Financial Planning.

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