Superannuation & Retirement Planning
Prepare for your financial future and retirement.
Most people understand Superannuation as our mandatory retirement savings system, but at Balance Wealth, we take super to the next level.We turn super from a set-and-forget obligation into a strategic, tax-effective engine that works alongside your other investments and life goals
Superannuation is so much more than just a retirement tool.
We have seen clients use Superannuation to:
- Save hundreds of thousands in capital gains tax following the sale of an investment property
- Get access to the sharemarket and experience compound growth
- Build a tax-free income stream
- Buy their first home
- Sell their small business and pay no income tax
- Structure assets that pass on to family in a tax-efficient manner
- Buy commercial property for their business and recycle business profits into personal wealth
Good retirement planning answers the question: “Will I have enough?”
It also delivers significant tax savings along the way and creates optionality – the freedom to slow down, change careers, or retire earlier when you’re ready.
We cover the full retirement picture:
- Current super health check
- Projection modelling - how much should I have, how long will it last?
- Understanding concessional and non-concessional contributions (including carry-forward rules)
- Choosing the right fund and investment strategy inside super
- Consolidating accounts
- Transition to Retirement (TTR) strategies
- Converting super into reliable retirement income streams (account-based pensions)
- Government incentives and tax offsets
- Age Pension optimisation and Centrelink strategies
- Estate planning for super (binding death benefit nominations etc.)
- Downsizing, gifting, and legacy strategies
How we help you stay on track towards the financial future you want.
01
Discovery Session
We analyse all your super accounts, contribution history, and retirement goals.
02
Analysis & Modelling
We run clear scenarios showing what different contribution and investment paths mean for your future lifestyle.
03
Your Strategy Plan
We build a prioritised super and retirement plan that integrates with your broader finances.
04
Implementation & Support
We help execute the plan and review it annually (or when life changes).
- A clear, personalised Super & Retirement Roadmap
- Projected retirement income numbers and “when can I stop” scenarios
- Ongoing guidance as rules or your situation change
- Tax-efficient contribution and drawdown strategies
- Confidence that your super is working in harmony with your other investments and goals
Superannuation & Retirement FAQ's
How do I know if I’m on track for the retirement I want?
We build personalised projections based on your current savings, expected contributions, investment returns, and the lifestyle income you want. This gives you a clear gap analysis and actionable steps.
Should I be making extra contributions to super?
It depends on your age, cashflow, tax position, and goals. We identify the most effective contribution types (salary sacrifice, personal deductible, spouse, etc.) and timing for your situation.
When should I start drawing money from super?
We help you decide the best time to access super (from age 60) and whether a Transition to Retirement strategy makes sense while you’re still working.
What’s better - a big super balance or more money outside super?
We weigh up the tax benefits of super against flexibility and liquidity needs, then recommend the right balance for your overall plan.
How do changes to super rules affect me?
We monitor legislative changes and adjust your strategy accordingly so you’re always taking advantage of what’s available and staying compliant.
Let's have a chat!
Want to know your next best step? Fill out the form below and book in for a call with our friendly team.
Call us at (101) 500 0200 or fill out our form, and we’ll contact you within one business day.