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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.

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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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Results

After a lot of research I chose Brenton Tong as my financial advisor. I had interviewed a lot of planners and was really impressed by his knowledge and technical skills as well as his ethics. The support staff are very helpful. Nothing is too much trouble. A great team.
Kieran, Sydney
Was sceptical at first but was extremely pleased with every part of my experience. All the staff were friendly and helpful especially Hanna. The planner, Brenton was very knowledgeable and made everything easy for me with little finance knowledge able to understand.  Highly recommend for everyone!
Michael, Sydney
Brenton is a smart, savvy and friendly advisor who has worked closely with me to understand my financial drivers and aspirations, and to create a whole new financial trajectory for my future during the past three years.
Alison, 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 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

Results

After a lot of research I chose Brenton Tong as my financial advisor. I had interviewed a lot of planners and was really impressed by his knowledge and technical skills as well as his ethics. The support staff are very helpful. Nothing is too much trouble. A great team.
Kieran, 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
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
Brenton is a smart, savvy and friendly advisor who has worked closely with me to understand my financial drivers and aspirations, and to create a whole new financial trajectory for my future during the past three years.
Alison, Sydney
The team at Financial Spectrum are A++. I wouldn't trust anyone else.
Mark, Sydney
We cannot thank you enough for your fantastic investment advice. We could not have imagined four years ago that our $40,000 investment would now be worth $250,000. Thank you to our financial planner!
Sid and Melanie, NSW

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Frequently asked questions

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.

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.

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.

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.

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The Information provided is general in nature only and does not constitute personal financial advice. The information has been prepared without taking into account your personal objectives, financial situation or needs. Before acting on any information presented you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. We highly recommend you seek professional advice to check how the information relates to your unique circumstances. Financial Spectrum is not liable for any loss caused, whether due to negligence or otherwise, arising from the use of, or reliance on, the information provided.

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