The Australian Superannuation system is one of the most advanced and complex in the world. Not only is it inherently complex, but the legislation surrounding it continues to change. No wonder Australians, just like you, find it difficult to understand how it relates to them and how to use superannuation to maximise their retirement nest egg.

So many questions:

  • How much is enough for retirement?
  • Self managed, retail or Industry fund, which super fund is right for me?
  • How do I structure my superannuation assets?
  • What are the trade-offs when I contribute?
  • How do I make my contributions tax deductible?
  • How do I use Superannuation to reduce my overall tax burden?
  • How does my superannuation relate to my family and estate plan?

These are just some of the questions we find solutions to for clients every day. Superannuation is not simple, but together we can develop a strategy to ensure your superannuation is properly structured with a strategy to get you where you want to be in life.

The income you have available for your retirement will depend on factors such as your accumulated assets and expectations about your lifestyle in retirement. Unfortunately for many, simply relying on employer contributions may not be enough and you may need to look at strategies such as additional contributions or salary sacrifice.

It is always best to start saving and planning for your retirement as early as you can. Hendersons can help you implement the right strategies to help you achieve your long term financial objectives.

Contact us today to discuss how we can work together: (08) 7202 1400 or email us at