Superannuation & Retirement Advice — Secure Your Retirement Future
Superannuation is one of the most important investments you’ll ever make. At Financial Momentum, we help you understand your options, maximise contributions, and plan for a comfortable retirement
Why Superannuation Matters
Your super is the foundation of your retirement income. Making informed decisions today can significantly impact your lifestyle tomorrow.
Our Superannuation Services
Consolidation – Combine multiple super accounts to reduce fees and simplify management.
Contribution Strategies – Understand concessional and non-concessional contributions, salary sacrifice, and government co-contributions.
Retirement Planning – Transition to retirement strategies and income streams tailored to your needs.
SMSF Advice – Guidance on establishing and managing a Self-Managed Super Fund (SMSF) if appropriate for your circumstances.
Post-Retirement Planning
Retirement doesn’t mean your financial planning stops — it changes focus. We help you:
Manage Income Streams – Set up account-based pensions or annuities for steady income.
Tax Efficiency – Minimise tax on withdrawals and optimise your retirement cash flow.
Investment Management – Adjust your portfolio for lower risk while maintaining growth potential.
Estate Planning – Ensure your wealth is passed on according to your wishes.
Our Process
1. Review Your Current Super — Identify opportunities to improve performance and reduce costs.
2. Develop a Strategy — Tailored recommendations based on your goals and retirement timeline.
3. Provide Full Transparency — All advice documented in a Statement of Advice (SoA).
4. Ongoing Support — Regular reviews to keep your plan on track.
How We Can Help You
- We can review the performance of your current fund in relation to your goals taking into account how close to retirement you are.
- Make recommendations about your Super arrangements, based on your goals and circumstances.
- Recommend alternative Super Fund Providers for you to consider.
- Review your Insurance opportunities through your Superannuation Fund.
- Assess Age Pension Entitlements
What is Superannuation?
Superannuation (or “super”) is a long-term savings system designed to help Australians fund their retirement. Contributions are made during your working life and invested to grow over time. By law, employers must pay a percentage of your salary into your super fund — this is called the Superannuation Guarantee, which is currently 12%.
Why It’s Important
– Tax Advantages: Super contributions and earnings are generally taxed at concessional rates, making it one of the most tax-effective ways to save for retirement.
– Compounding Growth: The earlier you start, the more time your money has to grow.
– Mandatory Contributions: Employers must contribute, but you can boost your balance through voluntary contributions.
Types of Contributions
– Concessional Contributions: Pre-tax contributions (employer contributions, salary sacrifice).
– Non-Concessional Contributions: After-tax contributions you make personally.
– Government Co-Contributions: Available for eligible low-income earners.