Have you thought about your
superannuation strategy?

As superannuation specialists, we understand how important it is to have a sound strategy in place; not only for peace of mind, but to allow you to reach your financial retirement goals.

Self Managed Superannuation enables control and choice over your investments as well as providing a vehicle for various tax and estate planning strategies. We can provide advice on the benefits and risks of a SMSF and whether this may be right for you. Superannuation law is a complex area and requires personalised planning for each individual.

Our award-winning team of specialists are dedicated to remaining up to date with current developments within the sector through research and regular attendance of industry forums.

We strive to provide you with high quality, strategic and tailored advice to ensure you are obtaining the maximum benefit possible from your Self Managed Superannuation Fund. We analyse all factors, both within the internal and external environments; working collaboratively with you to help you get the most out of your retirement.

Our wide range of Superannuation services include:

    • Consultancy Services
    • Audit Services
    • Administration and Compliance
    • Estate Planning
    • Pension Strategies and Advice
    • Taxation Advice

    Already have a current strategy in place? Let our specialists review your financials to ensure you are getting the most out of your SMSF.
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Accumulating Wealth
(ages 20-50)

While you may not plan to retire any time soon, preparing as early as possible pays off.

SMSF's are primarily formed to provide you with benefits upon retirement, therefore it is vital to obtain specific advice regarding your personal circumstances to ensure you are minimising tax and obtaining the maximum benefit while you are accumulating wealth.

 



To generate benefits for retirement, we provide strategic and structural advice on:


  • Salary sacrificing
  • Contribution splitting between spouses
  • Segregation of assets strategies
  • Tax planning services
  • Limited recourse borrowing arrangements (LRBAs)
  • Double deduction strategies for personal contributions

 


How much do I need to retire?


With the recent government changes to contributions, it is critical to understand how increasing your wealth using superannuation can have a significant effect on your retirement.

Combining the benefits of low taxation rates and compounding returns means more funds to invest along your journey.

Whilst everyone's financial situation is a little different, the golden rule applies to all. The more money you are able to save now, the more wealth you will have on retirement.

Pre-Retirement
(ages 50-65)

By age 50, most individuals will have the flexibility to contribute more into superannuation. With constant changes to legislation, the ability to accumulate further superannuation upon retirement is becoming increasingly difficult. 

Depending on your personal circumstances, you may be looking to retire early. Will your current superannuation balance be enough to support you for the remainder of your life?

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Will you be required to return to work?

 

To generate benefits for retirement, we provide strategic and structural advice on:

  • Salary sacrificing
  • Tax planning services
  • Segregation of assets strategies
  • Contribution splitting between spouses
  • Limited recourse borrowing arrangements (LRBAs)
  • Double deduction strategies for personal contributions

How much do I need to retire?

With the recent government changes to contributions, it is critical to understand how increasing your wealth using superannuation can have a significant effect on your retirement.

Combining the benefits of low taxation rates and compounding returns means more funds to invest along your journey.

Whilst everyone's financial situation is a little different, the golden rule applies to all - the more money you are able to save now, the more wealth you will have on retirement.

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Retirement (Aged 65+)

Will I have enough for retirement?

At the end of your working life your superannuation is most likely your primary source of income, therefore it is important to get the balance of generating benefits and maintaining them over the course of your retirement right. 

 

Pension strategies

SMSF's are primarily formed to provide you with benefits upon retirement. It is vital to obtain specific advice regarding your personal circumstances to ensure you're minimising tax and obtaining maximum benefit when withdrawing benefits from superannuation.

 

 

We provide strategic and structural advice with respect to:

  • SMSF estate planning
  • Retirement projections
  • Segregation of assets strategies
  • Centrelink and Commonwealth Seniors Health Card
  • Contribution strategies (including re contribution strategies)
  • Tax planning services (annual review of the funds position)
  • Pension establishment (account based pensions and transition to retirement pensions)
  • Consideration of Centrelink Age Pension and Commonwealth Seniors Health Card implications

Meet your award-winning team

Shane Morgan

Partner

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Partner

Shane Morgan

BCom, CA, F.Fin, CTA, SSA™

Shane joined Cutcher & Neale in January 2005 and became a Partner in July 2012. He works within our Medical and Dental Divisions and has a particular interest in Self    Managed Superannuation for our Medical and Dental client base.                                              

Shane is a noted presenter and commentator, regularly speaking at events for a range of industry organisations including the Australian Medical Association (AMA (NSW), the Australian Association of Practice Management (AAPM), Australian Dental Association (ADA), and the SMSF Association.

He has extensive experience with Medical and Dental professionals and has assisted many practitioners in planning and structuring their businesses, improving their financial performance and structuring for business succession.    

Samuel Arnott

Associate

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Associate

Samuel Arnott

BCom, CA, SSA™ CTA

Sam has been an integral part of the Cutcher & Neale Superannuation team for over 12 years and has been Associate of our Self-Managed Superannuation team since 2016.

Sam believes that with continual changes to Superannuation, it is essential to stay ahead and develop tactical strategies for our clients to ensure their wealth is protected and secured.

With a wealth of knowledge and experience, Sam takes a hands-on, personal approach to ensure our clients have the very best plans in place from the very beginning.

Catherine Parker

Client Advisor

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Client Advisor

Catherine Parker

Contact us

BRISBANE
36 Agnes Street,
Fortitude Valley, QLD, 4006

NEWCASTLE
25 Bolton Street
Newcastle, NSW, 2300

SYDNEY
20 Berry Street
North Sydney, NSW, 2059

PHONE
1800 988 522

EMAIL
cnmail@cutcher.com.au