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Are you headingWe are here to help.ABOUT USin the rightfinancial direction?
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With you along the way
At Smart Financial Planning we work with you along the way on life’s journey. Whether you are getting married, starting a family, embarking on the trip of a lifetime or planning to enjoy your years after work, we can help.
It all starts with understanding exactly what it is you want to achieve. We will then create your financial plan to help you get there.
We can help you with ...
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Superannuation
What is superannuation?
Superannuation, often called super, is a way to save for your retirement. You build up super while you are working to make sure you can have a comfortable retirement.
Super is a tax effective environment for your money; the account is held in your name, and both you and your employer can deposit money into your account. Your money will attract investment earnings, and when you reach your ‘preservation age’, you are able to start drawing on these funds.
Your employer must pay 9.5% of your salary into a super fund. This is called the Super Guarantee and it’s the law. The Super Guarantee will gradually increase to 12% in coming years.
Why is superannuation important?
“Many of us will spend more than a quarter of our life retired, as people are now living until an average age of 86 years (if you’re male) and 89 years (if you’re female). Life expectancy is expected to rise to 91 for males and 93 for females by 2050.
So, you might need a lot more money for your retirement than you think. Unless you’re counting on a lotto win or growing your own personal money tree, super can help you enjoy your retired days by allowing you to maintain a good standard of living, which isn’t achievable by receiving just the Age Pension.”
Association of Superannuation Funds Australia (ASFA) [1]
How does superannuation work?
Superannuation is treated differently to most other savings. For most people, super will be taxed at a lower rate than a similar investment outside super. If you’re self-employed, you may be able to claim a tax deduction for personal contributions you make to super.
What your employer does
If you’re entitled to receive super, your employer must pay 9.5% of your salary into a super fund at least every 3 months. This is called the Super Guarantee and it’s the law. The Super Guarantee will gradually increase to 12% in coming years.
What your super fund does
Once your superannuation fund receives your contributions it invests this money either in a default strategy or one you have chosen yourself. Fees charged by the super funds may include general fees such as administration, member and investment, as well as optional extras including adviser fees and insurance premiums.
Your role
It is important you keep an eye on your superannuation payments and balance to ensure your money is working as hard as it can for your retirement.
If you are self-employed, you are responsible for making your own superannuation contributions.
How we can help?
The team at Smart Financial Planning can help you understand, grow and manage your superannuation.
We can help you:
- Consolidate your super funds and help you save on fees
- Identify investment options tailored to your goals and risk profile
- Review your concessional and non-concessional contributions to super
- Identify strategies to help boost your superannuation
- Enjoy the benefits of salary sacrifice
- Understand your insurance options within superannuation
- Determine if you have the correct beneficiary nominations in place
- Determine whether a self-managed super fund (SMSF) is right for you.
How to find your lost super?
If you think you may have lost track of your super then you have access to services to help you find your lost accounts.
This service searches the Lost Members Register and other ATO records, such as ATO-held super accounts and unclaimed super money, for your lost super accounts. You can also use the phone service (13 28 65).
You can use the ATO’s myGov service to see details of all your super accounts, including any you have lost track of or forgotten about. You will need to create a myGov account and then link your account to the ATO service.
- Previous employers
Ask your previous employers for the names of the super funds that received contributions on your behalf.
Contact us for more information about how we can help you make the most of your superannuation.
[1] http://www.superguru.com.au/retiring/how-much-super-will-I-need/
Superannuation
Superannuation is a way to save for your retirement. You build up super while you are working to make sure you can have a comfortable retirement.
Read More....
Superannuation
What is superannuation?
Superannuation, often called super, is a way to save for your retirement. You build up super while you are working to make sure you can have a comfortable retirement.
Super is a tax effective environment for your money; the account is held in your name, and both you and your employer can deposit money into your account. Your money will attract investment earnings, and when you reach your ‘preservation age’, you are able to start drawing on these funds.
Your employer must pay 9.5% of your salary into a super fund. This is called the Super Guarantee and it’s the law. The Super Guarantee will gradually increase to 12% in coming years.
Why is superannuation important?
“Many of us will spend more than a quarter of our life retired, as people are now living until an average age of 86 years (if you’re male) and 89 years (if you’re female). Life expectancy is expected to rise to 91 for males and 93 for females by 2050.
So, you might need a lot more money for your retirement than you think. Unless you’re counting on a lotto win or growing your own personal money tree, super can help you enjoy your retired days by allowing you to maintain a good standard of living, which isn’t achievable by receiving just the Age Pension.”
Association of Superannuation Funds Australia (ASFA) [1]
How does superannuation work?
Superannuation is treated differently to most other savings. For most people, super will be taxed at a lower rate than a similar investment outside super. If you’re self-employed, you may be able to claim a tax deduction for personal contributions you make to super.
What your employer does
If you’re entitled to receive super, your employer must pay 9.5% of your salary into a super fund at least every 3 months. This is called the Super Guarantee and it’s the law. The Super Guarantee will gradually increase to 12% in coming years.
What your super fund does
Once your superannuation fund receives your contributions it invests this money either in a default strategy or one you have chosen yourself. Fees charged by the super funds may include general fees such as administration, member and investment, as well as optional extras including adviser fees and insurance premiums.
Your role
It is important you keep an eye on your superannuation payments and balance to ensure your money is working as hard as it can for your retirement.
If you are self-employed, you are responsible for making your own superannuation contributions.
How we can help?
The team at Smart Financial Planning can help you understand, grow and manage your superannuation.
We can help you:
- Consolidate your super funds and help you save on fees
- Identify investment options tailored to your goals and risk profile
- Review your concessional and non-concessional contributions to super
- Identify strategies to help boost your superannuation
- Enjoy the benefits of salary sacrifice
- Understand your insurance options within superannuation
- Determine if you have the correct beneficiary nominations in place
- Determine whether a self-managed super fund (SMSF) is right for you.
How to find your lost super?
If you think you may have lost track of your super then you have access to services to help you find your lost accounts.
This service searches the Lost Members Register and other ATO records, such as ATO-held super accounts and unclaimed super money, for your lost super accounts. You can also use the phone service (13 28 65).
You can use the ATO’s myGov service to see details of all your super accounts, including any you have lost track of or forgotten about. You will need to create a myGov account and then link your account to the ATO service.
- Previous employers
Ask your previous employers for the names of the super funds that received contributions on your behalf.
Contact us for more information about how we can help you make the most of your superannuation.
[1] http://www.superguru.com.au/retiring/how-much-super-will-I-need/
![/home/indsocialfeed/public_html](https://socialgrabind.p2.clientcommunity.com.au/wp-content/uploads/2018/02/retirement-planning-black.png)
Retirement Planning
We all have different ideas of what the second half of our lives looks like and that’s why planning for your retirement is so important.
Why is retirement planning important?
We are living longer and for most of us compulsory superannuation payments or the Age Pension alone won’t be enough to help us achieve the retirement lifestyle we’re dreaming about.
Putting a long-term financial plan in place will provide you with the comfort of knowing that you can do all those things that you dreamed of and that your financial future is under control.
How we can help
Smart Financial Planning Financial Advisers can help you work out how much money you have now, how much you might have in the future and where it is coming from.
We will help you:
- Identify your retirement goals
- Review your income and cashflow requirements
- Identify what assets (house, savings, investments) you have and how much they are worth
- Assess how much super you have and when you can access it
- Find ways to grow your retirement income
- Put plans in place to make your money last in retirement
- Determine when you can apply for the age pension and whether you are likely to be eligible.
- Review your estate planning
How much money do I need to retire comfortably?
This is the magic question and how much money you need in your retirement nest egg will depend entirely on how you want to live in retirement.
According to the Association of Superannuation Funds of Australia’s Retirement Standard 2015, to have a ‘comfortable’ retirement, single people will need $545,000 in retirement savings, and couples will need $640,000.
The Standard is updated four times a year to take into consideration the rising price of items like food and utility bills, as well as changing lifestyle expectations and spending habits.
The Standard includes the cost of things such as health, communication, clothing, travel and household goods.
To see the latest Standard click here
Please contact one of our qualified Financial Advisers at Smart Financial Planning on to discuss your retirement planning needs.
Retirement Planning
Retirement may seem like a long way off but putting money into super now is still a tax effective way to invest your money. You also can benefit from the effects of compounding returns.
Read More ....
Retirement Planning
We all have different ideas of what the second half of our lives looks like and that’s why planning for your retirement is so important.
Why is retirement planning important?
We are living longer and for most of us compulsory superannuation payments or the Age Pension alone won’t be enough to help us achieve the retirement lifestyle we’re dreaming about.
Putting a long-term financial plan in place will provide you with the comfort of knowing that you can do all those things that you dreamed of and that your financial future is under control.
How we can help
Smart Financial Planning Financial Advisers can help you work out how much money you have now, how much you might have in the future and where it is coming from.
We will help you:
- Identify your retirement goals
- Review your income and cashflow requirements
- Identify what assets (house, savings, investments) you have and how much they are worth
- Assess how much super you have and when you can access it
- Find ways to grow your retirement income
- Put plans in place to make your money last in retirement
- Determine when you can apply for the age pension and whether you are likely to be eligible.
- Review your estate planning
How much money do I need to retire comfortably?
This is the magic question and how much money you need in your retirement nest egg will depend entirely on how you want to live in retirement.
According to the Association of Superannuation Funds of Australia’s Retirement Standard 2015, to have a ‘comfortable’ retirement, single people will need $545,000 in retirement savings, and couples will need $640,000.
The Standard is updated four times a year to take into consideration the rising price of items like food and utility bills, as well as changing lifestyle expectations and spending habits.
The Standard includes the cost of things such as health, communication, clothing, travel and household goods.
To see the latest Standard click here
Please contact one of our qualified Financial Advisers at Smart Financial Planning on to discuss your retirement planning needs.
![/home/indsocialfeed/public_html](https://socialgrabind.p2.clientcommunity.com.au/wp-content/uploads/2018/02/insurance-black.png)
Wealth Protection
Total and permanent disablement (TPD)
TPD cover provides a lump sum if you become unable to work due to a permanent disability. This cover can help you pay for medical expenses, repay major debts and help provide for your future.
Trauma cover
Trauma cover provides a lump sum if you’re diagnosed with a medical condition or undergo a procedure outlined in your policy. This may include a heart attack, major organ transplant, cancer or stroke — to name a few. Trauma cover is designed to help cover your medical costs and living expenses, providing you with some financial security during the important recovery period.
Death cover
Death cover may be important for people of all ages, especially if you have others relying on you and large debts such as a mortgage. Death cover provides a lump sum to your beneficiaries if you die. This can be used to help meet the costs of your mortgage, other debts and/or cover your family’s future expenses. Many policies make an advance payment of the insured sum if you are diagnosed with a terminal illness. With Death, Total Permanent Disablement and Trauma cover you can:
- Find comfort in knowing your family will receive a lump sum payment to help them financially if you were to die or become terminally ill.
- Receive financial support if you become seriously disabled, maintain your quality of life and help meet the cost of rehabilitation programs and daily living expenses with TPD insurance.
- Take the financial pressure off and give yourself time to recover, should you experience one of the traumatic events listed in our trauma cover, including cancer, stroke, heart attack and coronary artery surgery. Children’s trauma cover can also be selected.
Income Protection Insurance
You insure your car, the family home and even your health – so why not your ability to earn an income. Have you ever thought about what would happen if you became ill or were injured and couldn’t work for an extended period of time? Would you be able to meet your financial commitments without your regular income? If not, it’s time you considered income protection. When you think about what life would be like without your regular income, your earning capacity becomes possibly your greatest asset. Chances are, you’ve based the achievement of your goals and ambitions on having a regular cash flow. If you became ill and were unable to work and maintain that cash flow, your goals may no longer be achievable.
Business Overheads Insurance
What would happen to your business if you were too ill or injured to work? Business Overheads Insurance helps you meet your ongoing business expenses by reimbursing eligible business overheads as a monthly amount if you are too ill or injured to work.
Protect your business expenses
Recover with peace of mind knowing that, if you are unable to work due to injury or illness, your business overheads insurance will reimburse your business expenses such as:
- Rent
- Property Rates
- Vehicle leases
- Salaries
Smart Financial Planning provides wealth protection advice in Umina Beach. Contact us on .
Wealth Protection
Insurance is the foundation of all financial plans. We can help you evaluate the risks and come up with the right insurance solution for you and your family.
Read More ....
Wealth Protection
Total and permanent disablement (TPD)
TPD cover provides a lump sum if you become unable to work due to a permanent disability. This cover can help you pay for medical expenses, repay major debts and help provide for your future.
Trauma cover
Trauma cover provides a lump sum if you’re diagnosed with a medical condition or undergo a procedure outlined in your policy. This may include a heart attack, major organ transplant, cancer or stroke — to name a few. Trauma cover is designed to help cover your medical costs and living expenses, providing you with some financial security during the important recovery period.
Death cover
Death cover may be important for people of all ages, especially if you have others relying on you and large debts such as a mortgage. Death cover provides a lump sum to your beneficiaries if you die. This can be used to help meet the costs of your mortgage, other debts and/or cover your family’s future expenses. Many policies make an advance payment of the insured sum if you are diagnosed with a terminal illness. With Death, Total Permanent Disablement and Trauma cover you can:
- Find comfort in knowing your family will receive a lump sum payment to help them financially if you were to die or become terminally ill.
- Receive financial support if you become seriously disabled, maintain your quality of life and help meet the cost of rehabilitation programs and daily living expenses with TPD insurance.
- Take the financial pressure off and give yourself time to recover, should you experience one of the traumatic events listed in our trauma cover, including cancer, stroke, heart attack and coronary artery surgery. Children’s trauma cover can also be selected.
Income Protection Insurance
You insure your car, the family home and even your health – so why not your ability to earn an income. Have you ever thought about what would happen if you became ill or were injured and couldn’t work for an extended period of time? Would you be able to meet your financial commitments without your regular income? If not, it’s time you considered income protection. When you think about what life would be like without your regular income, your earning capacity becomes possibly your greatest asset. Chances are, you’ve based the achievement of your goals and ambitions on having a regular cash flow. If you became ill and were unable to work and maintain that cash flow, your goals may no longer be achievable.
Business Overheads Insurance
What would happen to your business if you were too ill or injured to work? Business Overheads Insurance helps you meet your ongoing business expenses by reimbursing eligible business overheads as a monthly amount if you are too ill or injured to work.
Protect your business expenses
Recover with peace of mind knowing that, if you are unable to work due to injury or illness, your business overheads insurance will reimburse your business expenses such as:
- Rent
- Property Rates
- Vehicle leases
- Salaries
Smart Financial Planning provides wealth protection advice in Umina Beach. Contact us on .
Why Choose Us?
Exceptional Personal Service
Our focus is on listening, understanding, and caring about your concerns and providing you with an individual level of service.
Ongoing Support
Our friendly support team will support you throughout your journey with us and answer any questions you have along the way.
Knowledge and Experience
Our Financial Advisers are highly qualified and have the knowledge and experience necessary to focus on all your important financial matters.
A Holistic Approach
We want to understand exactly what you want to achieve in life and provide you with strategies to guide you towards your goals.
Keep You On Track
We will keep you accountable along the way because we want you to stay on track to achieve your goals.
Ease and Convenience
Deal with one company for your superannuation, investment, debt management, insurance and estate planning needs.
Meet Our Team
![null](https://socialgrabind.p2.clientcommunity.com.au/wp-content/uploads/2018/07/team1.jpg)
Jake White
![](http://socialgrabind.p2.clientcommunity.com.au/wp-content/uploads/2018/07/team1.jpg)
![](/wp-content/uploads/2017/10/Helen-Wratten-300.jpg)
Jake White
Co-Founder and Financial Planner
Jake White
![](http://socialgrabind.p2.clientcommunity.com.au/wp-content/uploads/2018/07/team1.jpg)
![](/wp-content/uploads/2017/10/Helen-Wratten-300.jpg)
![null](https://socialgrabind.p2.clientcommunity.com.au/wp-content/uploads/2018/07/team4.jpg)
Jane Brown
![](http://socialgrabind.p2.clientcommunity.com.au/wp-content/uploads/2018/07/team4.jpg)
![](/wp-content/uploads/2017/10/Helen-Wratten-300.jpg)
Jane Brown
Financial Planner
Jane Brown
![](http://socialgrabind.p2.clientcommunity.com.au/wp-content/uploads/2018/07/team4.jpg)
![](/wp-content/uploads/2017/10/Helen-Wratten-300.jpg)
![null](https://socialgrabind.p2.clientcommunity.com.au/wp-content/uploads/2018/07/team3.jpg)
Chris Red
![](http://socialgrabind.p2.clientcommunity.com.au/wp-content/uploads/2018/07/team3.jpg)
![](/wp-content/uploads/2017/10/Helen-Wratten-300.jpg)
Chris Red
Practice Manager
Chris Red
![](http://socialgrabind.p2.clientcommunity.com.au/wp-content/uploads/2018/07/team3.jpg)
![](/wp-content/uploads/2017/10/Helen-Wratten-300.jpg)
![null](https://socialgrabind.p2.clientcommunity.com.au/wp-content/uploads/2018/07/team2.jpg)
Ella Green
![](http://socialgrabind.p2.clientcommunity.com.au/wp-content/uploads/2018/07/team2.jpg)
![](/wp-content/uploads/2017/10/Helen-Wratten-300.jpg)
Ella Green
Client Services Manager
Ella Green
![](http://socialgrabind.p2.clientcommunity.com.au/wp-content/uploads/2018/07/team2.jpg)
![](/wp-content/uploads/2017/10/Helen-Wratten-300.jpg)