Building wealth
Superannuation advice
Superannuation advice from Channel Wealth helps you get more from the most tax-effective investment most Australians own. Rory D’Agostino helps Sutherland Shire clients with contributions and salary sacrifice, consolidating funds, choosing an investment mix, and making sure both partners’ super is on track, as part of a plan that also covers debt, investing and retirement.
Who it’s for
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You have super in more than one fund and aren’t sure what you’re paying
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You want to know whether salary sacrifice makes sense for you
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One partner’s super is well behind the other’s
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You’ve never really looked at how your super is invested
Your largest investment, often ignored
For many families, super will be worth more than anything except the home. Yet it’s the investment people look at least. Small decisions made early, about contributions, fees and investment mix, can make a very large difference by retirement.
What we help with
- Contributions. Salary sacrifice, personal deductible contributions and catch-up contributions where you are eligible.
- Consolidation. Bringing funds together where it makes sense, after checking any insurance you would lose.
- Investment mix. Making sure your super is invested to suit your timeframe and comfort with risk.
- Couples. Spouse contributions and contribution splitting to balance super between partners.
- Insurance inside super. Understanding what cover you have and what it costs.
- Planning ahead. Beneficiary nominations and how your super will convert to income in retirement.
Part of the whole plan
Super decisions affect your cash flow today and your options later. We weigh every super strategy against your other goals, such as paying down the mortgage or investing outside super, so the plan works as a whole.
- Step 01
A conversation
We chat through your goals, your current setup and whether we’re the right fit. No pressure, no pitch.
- Step 02
Your strategy
We gather the detail, model the options and agree the targets that will guide every decision.
- Step 03
Statement of Advice
Your recommendations in writing, with the costs, before anything is put in place.
- Step 04
Ongoing advice
Regular reviews as your income, family and goals change, so the plan keeps working.
My wife and I have been working with Rory for a number of years. We were making good money but felt we weren't getting ahead. He has been extremely helpful in helping us set up property investments, understanding our cash flow and putting our money to good use. We have seen a noticeable increase in assets and feel like we are making good progress longer term. Would highly recommend!
Related
Often part of the same plan
FAQs
Common questions
Should I salary sacrifice into super?
It can be very tax-effective, but the money is locked away until preservation age. Whether it suits you depends on your tax rate, cash flow and other goals, which is why we look at it as part of the whole plan.
Should I consolidate my super funds?
Often, because multiple funds can mean multiple sets of fees. But check insurance cover inside each fund first, as closing a fund can end it. We review this before recommending any change.
Can I contribute to my partner’s super?
Yes. Spouse contributions and contribution splitting can help balance super between partners, and in some cases give a tax benefit. We work out whether they make sense for you.
Let’s start with a conversation.
We’ll chat through your goals, your current setup and whether we’re the right fit. No pressure, no pitch.