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.


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.


Case Study

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Brenton and the team at Financial Spectrum are genuine honest and friendly financial planners if you're in need of any advice on your finances.  Do not hesitate to contact Brenton. He takes the time to ask you questions first, rather than rushing you like most other planners do!  I took...
KD, Sydney
We were cruising and wanted help to take charge and make some big financial decisions. Financial Spectrum took care of the boring parts to get it down to the key decisions to make. And we knew their recommendations were impartial, which was really good.
Jessica, 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
We've been using Financial Spectrum for a few years after they were recommended by a friend in the finance industry. Brenton, Thomas, Alan and the rest of the team are very thorough, efficient, knowledgeable, ethical, genuine and lovely to deal with. All parts of our financial lives are sorted from...
Sarah and Chris, 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
Our Financial Planner seems to know everyone and have a fair grasp of everything financial. Having spoken with innumerable financial advisors over the years, he is the only one that we had confidence in. As well as being an expert in his field, he is also a great guy making...
Chris, Sydney


We were cruising and wanted help to take charge and make some big financial decisions. Financial Spectrum took care of the boring parts to get it down to the key decisions to make. And we knew their recommendations were impartial, which was really good.
Jessica, Sydney
I've talked to quite a few financial advisor's over the years, but Brenton and his team have given me the best advice, and their passion really shines through. The team's knowledge is second to none!
George, Sydney
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
Brenton Tong was a huge help managing the financial aspects of our relocation to Australia. Professional honest advice from transferring money to purchasing our home.  Brenton was there to advise us through each step making this transition seamless and worry free. Thank you, Brenton, your advice was very much appreciated....
Fran and Kevin, Perth
I have been extremely happy with the service Financial Spectrum has provided. I would gladly recommend them to anyone wanting a truly talented group of financial planners on their side.
Sam, 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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