A superannuation advisor is a financial expert who specialises in retirement planning and maximising the potential of your superannuation fund. At Plutus Financial Guidance, our team of experienced advisors are dedicated to guiding you through the complexities of the superannuation landscape, ensuring that you make informed decisions that align with your financial objectives.
Plutus Financial Guidance provides CIFAA-certified independent financial advice. As independent financial advisors we take no asset-based fees, commissions, or kickbacks – nor do we receive referral fees.
We are not related to any financial institution or product manufacturer, nor do we have our own products. Therefore we are not incentivised to sell products to you. Instead, we focus on quality strategic advice coupled with product recommendations that is in your best interest and free from conflict remuneration. We are not restricted to any particular providers and do not have a limited list of products with undue influence.
Voluntary extra superannuation contributions are a great way to bolster your super balance. We can help you plan your voluntary contributions to boost your super balance in a sustainable and optimised manner. A sound voluntary contribution strategy is always a good idea to avoid falling short of your retirement lifestyle goals.
Your investment strategy will determine the way your superannuation balance is invested. When investing your hard-earned savings, we factor in your age, superannuation balance, retirement goals, and risk appetite. Making correct super investment decisions for your specific retirement goals is crucial, so getting advice on this is always helpful.
There are many superannuation funds, who offer different investment strategies, with different risk appetites. Discovering the best option for your balance can be time-consuming and complex. We can help and advise you of the best options tailored to your personal needs, as well as with analysing and comparing super fund performance, fees, investment options, insurance options and more.
A self-managed super fund is a legal arrangement similar to a family trust. You’ll need to factor responsibilities and requirements for your self-managed strategies, however, for the right person these are a very powerful tool. Speak to our team to find out if a Self-managed superannuation fund is right for you?
It’s common for Australians to accumulate multiple super accounts over their working career, leading to losses in superannuation balances through annual fees and also potential reduced performance. We will help you roll over your super into a single, optimised account where applicable.
The insurance offered through a super fund is designed to help you should something unexpected happen. Obtaining advice on your existing superannuation insurance to ensure it meets your needs and goals is good practice. We will help you with this to find the most suitable option for you.
