If you’re employed or self-employed, you should consider Income Protection insurance. Protect your greatest asset – your income

If you’re an employee, you may want to sacrifice some of your pre‑tax salary, wages or a bonus payment into your super fund. Boost savings via salary sacrifice

If you’re aged 55 or over and plan to scale back your working hours, you may want to invest some of your super in a transition to retirement pension. Top up your salary when moving into part time work

Case study Jane, aged 64, recently sold a business she has owned for the last 10 years for $800,000 and made a capital gain of $700,000. She wants to limit the amount of CGT she has to pay on the sale proceeds and, if possible, get all the money into the concessionally taxed super system to fund her retirement. Convert business […]

The challenge. Michelle and Cameron were planning to retire within two years. Their immediate need was to find the most effective way to transfer their business premises into their self-managed super fund (SMSF), without breaching their contribution caps. But they also had a complex portfolio of assets, including a company, an SMSF and two business […]