FINANCIAL PLANNING SERVICES

Superannuation and SMSF

Retirement may seem a long way off. But the earlier you start preparing, the greater your ability to create the lifestyle you dream of.

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Getting the most out of your super

Making the most of your superannuation requires a proactive approach. It’s not just about contributing – it’s about strategically managing those contributions to maximise growth while effectively managing risks. Given you’re already investing in super, it makes sense to make smart choices.

Getting greater control with an SMSF

If you’re seeking greater control and flexibility over your retirement investments, a Self-Managed Super Fund (SMSF) might be the perfect solution. An SMSF allows you to take charge of your superannuation, enabling you to make investment decisions that better resonate with your goals, values and risk tolerance, potentially driving higher returns.

How Financial Spectrum helps with retirement planning

At Financial Spectrum we understand that everyone’s vision of retirement and path to get there is unique and that’s why our approach is entirely personalised. Whether you’re contributing to a superannuation fund or have an SMSF, our seasoned financial advisors collaborate closely with you to gain a deep understanding of your aspirations, concerns and financial situation. With this insight, we design retirement strategies that get your super working harder for you.

How we work with you

To begin, we delve into your aspirations for life, including the lifestyle you desire in retirement. We of course we assess your current financial landscape, financial needs and comfort level with risk. This forms the basis to construct a tailored strategy, whether it’s a comprehensive superannuation plan or a finely tuned SMSF strategy, all designed to maximise the growth of your nest egg.
We provide comprehensive SMSF services, managing the entire process – from setting up the fund and crafting an investment strategy to navigating complex regulations. With our expertise, you can harness the power of an SMSF while minimising the legal and administrative burden.
Our financial projection tools enable you to visualise multiple scenarios for your retirement. This empowers you to make lifestyle decisions not just based on numbers, but aligned with your values, needs and goals. The outcome is an informed decision-making process that resonates with who you are and all you want out of life.

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Case Study

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Results

I have really enjoyed working with Brenton and the Financial Spectrum team. Meeting with Brenton has provided us with value that spans well beyond just purchasing an insurance product. He has provided fantastic guidance in our wealth building journey and has been a great contribution to both my partner and...

Nicole, Sydney

We were referred to a financial planner at Financial Spectrum by a friend of ours. We are so glad that we contacted them. We can honestly say that booking that first appointment was a turning point in our lives.

Patrick and Louise, Sydney

We have been working with Spectrum Financials for a number of years. As a young couple thinking about marriage and starting a family were wanting some guidance for long term planning. After researching a number of financial advisors we decided to go with Brenton and his team due to their...

Duncan and Rebecca, Sydney

The team at Financial Spectrum have been a huge help to my wife and I. Our planner has given really helpful advice including the development of a SMSF. We feel like he has taken considerable time to understand our unusual circumstances and has tailored to them. We feel understood, significantly...

Chris and Kerry, Sydney

Greg, is an absolute legend!!! Thanks for your assistance and expertise, I talked to numerous SMSF refinance experts who all found my situation too hard and complex to deal with. Greg provided the best unbiased advice resulting in settlement this week. Will definitely stay in touch, highly recommend Greg's services.

John, Sydney

Brenton is genuine, honest and his professionalism, expertise and industry knowledge is second to none. He was been life-changing in carving out a positive and exciting financial plan for my husband and I in the short and long-term. We cannot rate him and his team highly enough!

Ruth, Sydney

Results

Financial Spectrum never tried to sell me something. They asked me the right questions; they listened; and they’ve educated me. Now they’re where I send my friends and colleagues who need financial advice they can trust.

Emma, Sydney

The team at Financial Spectrum are experts in a complex area: specialising in creating financial solutions for up and coming young executives. They recognise that this group have special needs, and their wealth creation strategies and tax solutions are tailored specifically to suit. They are about strategy, not just products....

Toby, Sydney

We have been clients of Brendon for over a year now and how our lives have changed. Previously we could see no possible way we would be able to retire comfortably and be debt free, but Brendon gave us a road map to get to that point in four years....

Michael, Sydney

I was referred to Financial Spectrum by my long term accountant. We knew that we needed to get strategic help and to put some structure to our finances. Financial Spectrum collaborated with us to develop well-defined goals and a financial strategy to match. The Financial Spectrum team is extremely knowledgeable,...

Richard, Sydney

If you want a knowledgeable and honest financial advisor you can trust, I recommend you talk to Brenton Tong of Financial Spectrum. About four years ago when I was considering retiring I needed someone to review our financial situation and tell me if we had enough funds to retire. I...

Terry, Sydney

We first met Financial Spectrum last year when my husband was recovering from a surgery and we were not sure if he would even get his job back. Our financial planner used his amazing knowledge and skills to help us plan our future and to date I should say, he...

Shane and Suzette, Sydney

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Frequently asked questions

I'm only young, do I need to care about my super?

Absolutely, getting your super working for you when you’re young can significantly impact your quality of life in later years. Although retirement may appear far off, starting to plan early gives you the advantage of compound interest, allowing your investments to grow over time.

How much money do you need to set up an SMSF

The amount required to set up an SMSF can vary based on individual circumstances. However, it’s recommended you have at least $200,000 in your super balance to make an SMSF cost-effective. This amount ensures that the benefits of the SMSF outweigh the costs of setting up and operating the SMSF.

How much time and effort do SMSFs require?

Running an SMSF can involve a lot of work. The amount of time and effort required to manage an SMSF depends on the complexity of your investment strategy and the administration needs of your fund. It’s possible to outsource the administration of your SMSF to a financial advisor who specialises in SMSF services to reduce the burden on you personally. A good financial advisor will take care of everything from setting up the fund to optimising investments and managing compliance requirements.

How much money do I need to retire?

The amount of money needed for retirement varies widely depending on your desired lifestyle, retirement goals, age, income and assets. Our financial advisors can help you create a personalised retirement plan by assessing your current situation and future goals. With careful analysis, we can determine a realistic investment strategy to help you get all you want out of your retirement.