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Get the most out of a complex retirement system

It is widely acknowledged that the Australian retirement system is complex.

 

Superannuation has multiple rules encompassing tax, preservation and contribution limits (to name a few) depending on whether you're in the accumulation phase, transition phase or pension phase.

 

There is also the Centrelink age pension to consider.

 

The level of income you receive from the government is determined by an income and assets test which in turn depends on whether you're single or married, a home-owner or non-homeowner.

 

Investments are another consideration.

 

Invest too conservatively and you risk outliving your money due to the 'silent money killer' that is inflation.

 

Invest too aggressively and you risk drawing down on your money at low points in the market cycle, quickly depleting your retirement capital.

 

The interplay between superannuation, investments, taxation and social security is what makes the retirement system complex.

 

This complexity is why you need financial advice as you approach retirement.

 

Quality financial advice will not only guide you through the complexity, it will also ensure that you get the most out of a retirement system that is also very generous.

 

As experienced, licensed financial advisers who are not affiliated to any one superannuation fund or financial product provider. we are able to create strategies and select financial products that are truly in your best interest.

 

You can choose to receive one-off retirement planning advice only or you could choose to enter an ongoing service arrangement where we hold your hand every step of the way.

 

Our specialist retirement planning advice will help you gain clarity and peace of mind so that you can enjoy the best years of your life without worrying about running out of money.

Get the most out of a complex retirement system

It is widely acknowledged that the Australian retirement system is complex.

 

Superannuation has multiple rules encompassing tax, preservation and contribution limits (to name a few) depending on whether you're in the accumulation phase, transition phase or pension phase.

 

There is also the Centrelink age pension to consider.

 

The level of income you receive from the government is determined by an income and assets test which in turn depends on whether you're single or married, a home-owner or non-homeowner.

 

Investments are another consideration.

 

Invest too conservatively and you risk outliving your money due to the 'silent money killer' that is inflation.

 

Invest too aggressively and you risk drawing down on your money at low points in the market cycle, quickly depleting your retirement capital.

 

The interplay between superannuation, investments, taxation and social security is what makes the retirement system complex.

 

This complexity is why you need financial advice as you approach retirement.

 

Quality financial advice will not only guide you through the complexity, it will also ensure that you get the most out of a retirement system that is also very generous.

 

As experienced, licensed financial advisers who are not affiliated to any one superannuation fund or financial product provider. we are able to create strategies and select financial products that are truly in your best interest.

 

You can choose to receive one-off retirement planning advice only or you could choose to enter an ongoing service arrangement where we hold your hand every step of the way.

 

Our specialist retirement planning advice will help you gain clarity and peace of mind so that you can enjoy the best years of your life without worrying about running out of money.

We provide high-quality, licensed retirement planning advice that is cost-effective and convenient
so that you can retire with confidence

Advice you won't receive from your super fund

If you're like most Aussies, your superannuation is invested with your current or former employer's super fund.

 

If you're married, it's likely your wife/husband has their superannuation with their current or former employer's super fund. 

 

The problem with the free "intrafund" advice from your super fund is that it only considers your super fund's products in isolation. 

 

It does not take into account your non-super assets or other super products, nor does it take into account the impact the Centrelink age pension is likely to have on your retirement.

 

Even if your super fund refers you to an "external" financial adviser, that financial adviser is likely to feel some level of pressure to keep you in your current fund even when it may not be in your best interest to do so.

 

Online Super Advice is not linked to any one super fund and because we are licensed to provide advice on a broad range of superannuation and retirement income products we recommend solutions that are truly in your best interest, free of conflict. 

 

This ability to research and compare multiple superannuation and retirement income products could add tens of thousands of dollars to your retirement savings.

Advice you won't receive from your super fund

If you're like most Aussies, your superannuation is invested with your current or former employer's super fund.

 

If you're married, it's likely your wife/husband has their superannuation with their current or former employer's super fund. 

 

The problem with the free "intrafund" advice from your super fund is that it only considers your super fund's products in isolation. 

 

It does not take into account your non-super assets or other super products, nor does it take into account the impact the Centrelink age pension is likely to have on your retirement.

 

Even if your super fund refers you to an "external" financial adviser, that financial adviser is likely to feel some level of pressure to keep you in your current fund even when it may not be in your best interest to do so.

 

Online Super Advice is not linked to any one super fund and because we are licensed to provide advice on a broad range of superannuation and retirement income products we recommend solutions that are truly in your best interest, free of conflict. 

 

This ability to research and compare multiple superannuation and retirement income products could add tens of thousands of dollars to your retirement savings.

Retirement can last longer than 20 years
a retirement plan will help you
you get the most out of your super

An objective perspective

Superannuation and pension funds may seem similar but there are often significant differences in fees, investment options and retirement income products. Online Super Advice's ability to research, compare and recommend only the best products could help you add tens of thousands of dollars to your retirement. 

An objective perspective

Superannuation and pension funds may seem similar but there are often significant differences in fees, investment options and retirement income products. Online Super Advice's ability to research, compare and recommend only the best products could help you add tens of thousands of dollars to your retirement. 

our values

Financial Clarity and Honesty

©andre_morawski_Brett Young-2-4

 

Hi, and thanks for visiting Online Super Advice.

My name is Brett Young and I started my career in the  financial advising industry in 2004 when I worked as a Client Service Officer supporting two experienced financial planners who specialised in superannuation and retirement planning advice.

This on-the-job learning along with the commencement of formal studies provided a solid base for a career as a financial adviser.

I went on to work as a financial adviser in a major superannuation fund, a large bank and a small financial planning business.

In 2016, while working on an assignment for my Fellow Chartered Financial Practitioner professional designation I conceived of Online Super Advice.

Essentially, the idea was to create a trusted website where everyday Aussies could access licensed superannuation and retirement planning free from conflicts of interest from anywhere in Australia.

Having worked in this industry since 2004 I'm of the firm belief that the only way to provide financial advice that is in the best interest of clients is to have no links to any one superannuation fund or product provider.

Online Super Advice was started in 2018 (well before Zoom meetings became mainstream).

Video-conference is a great way to deliver financial advice as it is convenient and the adviser is able to educate clients and prospective clients using the share-screen facility.

*We do not provide advice on defined benefit super schemes and do not provide recommendation advice on self-managed super funds (SMSF's).
However, where we believe your existing SMSF is not in your best interest we will recommend an alternative superannuation platform.

 

Brett became a Fellow Chartered Financial Practitioner (FchFP) in 2016 and passed the FASEA Financial Adviser Exam in March 2021.

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FchFP

Colin

56-65 years old
" Brett has provided me with advice in transitioning to retirement for both myself and my wife.. He has been able to explain the superannuation process in that I have full confidence in the path chosen. Brett has enabled me to reduce my super management costs significantly. Whilst enhancing my investment earning opportunities. I have full confidence in Brett's advice."

16 Feb 2021

Michael

65+ Years old
"Brett was always available to us,with good advice and showed a good knowledge of the superannuation system. He explained what we needed and what he thought we should do to maximise our income for the future. We have been long term clients of Legan and Brett looked after us for approx 5 yrs. We have been very happy with his service"

19 Jul 2018

Colin

65+ Years old
"Brett has looked after me very well over recent years. He knows his business and follows up on his commitments. He is caring and trustworthy, traits that can be hard to find in this crazy financial world. Highly recommended based on my experiences."

20 Jul 2018

Dennis

65+ Years old
"We found Brett to be a knowledgeable Advisor who steered us in the right direction for Transition To Retirement, and Tax effectiveness. He was a pleasure to do business with."

23 Jul 2018

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