Superannuation is often viewed with the mindset that ‘if it ain’t broke, don’t fix it’. Don’t let this ‘set and forget’ mindset rob you of a comfortable retirement. Do your due diligence and choose the best super fund for your needs and goals. Are you ready to take the first step?

Empowering Financial Freedom

Need Superannuation Planning On The Gold Coast?

Our team of Gold Coast super fund advisors can steer you in the right direction when choosing the best fund for your needs and goals. And, the best part is, it’s never too late – or early – to take that first step. Let us help you shape a better financial path, regardless of your current life stage.

Getting started is the first step to taking control of your super and making it work for you.

Superannuation is among the most misunderstood investment vehicles available on the Gold Coast. Yet, it can be one of the most tax-effective vehicles for Gold Coast clients when planning their financial future.

You don’t have to settle for the super fund your first employer set up for you. It’s your life; you are in control. You have the right and ability to change super funds at any time and during any stage of your life.

The good news is, you’re not expected to study every super fund to determine which is best for you – we do this for you! As Gold Coast financial planners, it’s our job to proactively investigate strategic opportunities to improve and grow your superannuation.

Our superannuation planning follows a developed six-step process that entails the following:

  • Discovery: Discuss your goals and aspirations as well as challenges
  • Analysis: Analyse your current financial position and identify strategies
  • Strategy: Cultivate a process comprising suitable products and services
  • Recommendation: Discuss the recommended strategies and your implementation plan
  • Implementation: Provide Authority to Proceed and implement your strategy
  • Ongoing Advice: Review your financial plan, external impacts, and investment portfolio

Centaur Financial Services is dedicated to helping Gold Coasters reach their financial goals. As a boutique Gold Coast financial advisory firm, we understand the importance of personalised service and take pride in knowing that our service is second to none.

By choosing us to manage your superannuation planning, you make a sound investment for your future. When you invest in us, we invest in you. Our Gold Coast advisors take the time to develop a close relationship with you; to understand your dreams and aspirations. We form a tailored strategy to ensure you have the savings to provide a comfortable standard of living in your retirement years.

Take away the guesswork and get financial clarity in retirement by investing in a team that cares about your future as much as you do; Centaur Financial Services. Contact our expert team today to arrange a no-obligation meeting – it may just change your retirement!

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superannuation planners gold coast
superannuation planning gold coast

Enhancing Your SMSF Benefits

The Power of Proactive Superannuation Planning

The benefits of superannuation are abundant, but they can only be fully realised by investing in the right super fund. That’s why our Gold Coast superannuation planning service is essential. Superannuation alone offers tax-effective savings, capital growth, lower tax rates during retirement, asset protection, and the opportunity for tax-free income in retirement. However, proactive superannuation planning ensures that your lifelong investment is optimised to deliver the best possible returns.

If you seek certainty in your retirement, take the first step today by contacting Centaur Financial Services. Our experienced team will help you navigate the complexities of superannuation planning, ensuring a secure and prosperous future.

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Frequently Asked Questions About Superannuation Planning

The number one goal of the Centaur’s Gold Coast superannuation team is to help maximise the probability of you reaching your financial goals. But our expert Gold Coast super fund advisors can also help you:

  • Find the best super fund to suit your goals
  • Take advantage of tax concessions, financial incentives and rebates
  • Explore opportunities to maximise your savings and grow your super
  • Navigate the maze of super fund regulations
  • Get the most out of your superannuation
  • Devise a specific plan to align you with your financial and lifestyle goals
  • Add certainty to your retirement
  • Lower your tax rate during your retirement

If you want certainty in your retirement, take the first step by contacting Centaur. Whether you live on the Gold Coast, Brisbane, Sydney, or Melbourne, we can help set you up for a better retirement.

Superannuation money is put aside by your employer to live on during your retirement.

Superannuation in Australia works on the premise of employer contributions. When you start to work and earn more than $450 in a calendar month, your employer must legally pay a minimum of 9.5% of your wages into your superannuation account. This sum is on top of your yearly salary. Your super fund then invests and manages this money until you retire.

The superannuation account that the money is put into is of your choosing. If you have no preference, your employer will usually join you in their fund, which may or may not be the best fund to help you reach your retirement goals.

Your superannuation will start small, but it can reach a surprising sum throughout your career, especially if you have invested in Centaur Financial Services’ Gold Coast superannuation planning service.

How much super you need to retire comes down to the lifestyle you wish to live in retirement and what you define as ‘comfortable’.

The Association of Superannuation Funds of Australia (ASFA) estimates a superannuation balance of $640,000 is required for couples to live out a comfortable retirement and $545,000 for singles. This is, assuming you withdrew your super as a lump sum and received a part Age Pension.

It’s important to note that the ASFA define ‘comfortable’ as being able to enjoy occasional travel, recreational activities, mid-range car, top-level health insurance and electronics.

However, more importantly, is a shortfall between the required balance and the actual average balance. The table below shows a significant gap for both males and females for each age group.

How much super should you have?

GenderAgeAverage balanceBalance required today for a comfortable retirementGap
Male30$25,520$61,000–$35,480
40$56,792$154,000-$97,208
50$111,115$271,000-$159,885
60$180,944$430,00-$249,056
Female30$21,765$61,000-$39,235
40$46,075$154,000-$107,925
50$87,634$271,000-$183,366
60$154,896$430,000-$275,104
Prepared by www.canstar.com.au – 10/09/2020. The average balance per APRA’s 2019 Annual Superannuation Bulletin. Balance required today for comfortable retirement based on ASFA’s Super Balance Detective Calculator. Gap is calculated as the difference between the average balance and the current balance required for a comfortable retirement. Comfortable retirement assumes ASFA’s Comfortable Standard balance of $545,000 (in today’s dollars) by age 67. ASFA assumes future pre-tax wage income of around $65,000 and that upon retirement, the retiree draws down all their capital and receives a part Age Pension

The Australian Bureau of Statistics (ABS) ‘s 2017-18 Household Income and Wealth, Australia report found that at retirement age (66), the average Australian man has a superannuation balance of $417,900 for men and $378,600 for women.

AgeAverage balance (men)Average balance (women)
15 to 24 years$6,300$6,100
25 to 34 years$41,700$31,600
35 to 44 years$100,300$69,300
45 to 54 years$196,400$129,199
55 to 64 years$332,700$245,100
65 to 74 years$417,900$378,600
75 years and over$366,200$270,300

Superannuation advice Gold Coast is given by financial advisors such as Centaur. To provide superannuation advice, you must hold an Australian Securities and Investments Commission (ASIC) issued Financial Services Licence or be an authorised representative of a licence holder.

A financial advisor isn’t required to manage your superannuation, but they can be very beneficial to your balance come retirement time. Centaur are aware of any legislation changes and know how to make the most of your superannuation to ensure you enjoy a comfortable retirement.

Are you ready to maximise your superannuation and secure your financial future?

Don’t leave your superannuation to chance. Take control today and ensure a comfortable retirement. Contact us to schedule a consultation and find out how our expertise in superannuation planning can help you navigate the complexities with confidence and peace of mind.

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