About Us

Licensed Financial Advice You Can Count On

Benefit from our knowledge

The Australian retirement system is complex.

 

There is superannuation with its multiple rules covering tax, preservation and contribution limits (to name a few) which differ depending on whether you're in the accumulation phase, transition phase or pension phase and which change almost every year.

 

There is income tax with its various marginal tax rates and offsets as well as the Centrelink age pension with its assets and income test that depend on whether you're single or married, a home-owner or non-homeowner.

 

Investment advice is another major consideration.

 

Do you invest conservatively or aggressively or somewhere in-between?

 

How do you diversify so that your money is spread across a number of assets so that you don't have all your eggs in one basket? 

 

The pension (drawdown) phase of superannuation is different from the accumulation phase so its important to invest in a way that is customised to your circumstances.

 

Do you invest in an annuity-type product which is not subject to market fluctuations, enhances your eligibility for the age pension and  provides more certainty but at the expense of liquidity?

 

Do you invest in an account-based pension which allows you to invest across various asset classes according to your risk tolerance, but at the risk of depleting your savings?

 

Do you combine the two product types to ensure your basic needs will always be taken care of, while having access to your money for one-off expenses like renovations, holidays, weddings, medical bills, etc?

 

Our expert retirement planning advice helps you to unlock the many benefits of superannuation and the retirement system to your advantage so that your money works hard for you while you enjoy a long and happy retirement without having to worry about money.

 

You can opt for initial advice only or you can choose to add an ongoing service agreement where you have direct access to your financial adviser at all times as well as an annual formal catch up to discuss the plan and to make any adjustments.

 

Benefit from our knowledge

The Australian retirement system is complex.

 

There is superannuation with its multiple rules covering tax, preservation and contribution limits (to name a few) which differ depending on whether you're in the accumulation phase, transition phase or pension phase and which change almost every year.

 

There is income tax with its various marginal tax rates and offsets as well as the Centrelink age pension with its assets and income test that depend on whether you're single or married, a home-owner or non-homeowner.

 

Investment advice is another major consideration.

 

Do you invest conservatively or aggressively or somewhere in-between?

 

How do you diversify so that your money is spread across a number of assets so that you don't have all your eggs in one basket? 

 

The pension (drawdown) phase of superannuation is different from the accumulation phase so its important to invest in a way that is customised to your circumstances.

 

Do you invest in an annuity-type product which is not subject to market fluctuations, enhances your eligibility for the age pension and  provides more certainty than an account-based pension but without limited access to your money?

 

Do you invest in an account-based pension which allows you to diversify across  asset classes like shares, property, bonds and cash according to your risk tolerance, but at the risk of depleting your super before time?

 

Do you combine the two product types to ensure your basic needs will always be taken care of, while having access to your money for one-off expenses like renovations, holidays, weddings, medical bills, etc?

 

Our expert retirement planning advice helps you to unlock the many benefits of superannuation and the retirement system so that your money works hard for you so that you can get along with enjoying your retirement without having to worry about money.

 

You can opt for initial advice only or you can choose to add an ongoing service agreement where you have direct access to your financial adviser at all times as well as an annual formal catch up to discuss the plan and to make any adjustments or you could opt to receive ad hoc advice as needed. 

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

The three pillars of Australia's retirement system are the age pension, superannuation and voluntary savings.

 

The low-cost or "free" financial advice provided by superannuation funds is known as intrafund advice and is restricted, by law, to an individual's super fund only.

 

One of the issues with this type of advice is that it does not take your partner's superannuation into account (assuming you have a partner) nor does it take into account the impact of the age pension on your retirement.

 

It also does not take into account your non-super assets or the family home, which are both crucial to retirement planning - especially if you are considering downsizing or releasing equity to fund your retirement (sometimes known as the fourth pillar).

 

Lastly, intrafund advice from your superannuation fund is limited to your super fund's products, including retirement income products.

 

Unlike intra-fund advice, the comprehensive retirement planning advice provided by Online Super Advice considers your existing super fund's products and at least two alternatives before recommending the retirement product, be that an account-based pension and/or annuity that is in your best interest.

 

Our comprehensive retirement planning advice takes all parts of the retirement system into account so that you can face retirement with confidence.

Cost Effective and Convenient

The cost of producing personalised, licensed financial advice has been steadily increasing over the years and especially following the 2018 Royal Commission into the industry.

 

Increased compliance and regulatory obligations placed on financial advisers has increased the cost of licensed financial advice.

 

While superannuation funds provide “free” or “low cost” intra-fund advice, this advice is limited to the super fund and does not consider the broader ramifications, like the impact of your partner’s superannuation or the Centrelink age pension or non-super assets on your retirement.  

 

Intra-fund advice also does not consider alternative superannuation and retirement income products, which could prove to be very costly in the longer term.

Retirement is a major life event
and can last well over 20 years so to give yourself
the best chance of not running out of money
It's well worth putting a retirement plan in place

An objective perspective

Superannuation and pension funds may seem similar but there are often significant differences in fees, investment options and retirement income products which is why its important to receive advice from an adviser who is not an employee of a super fund or bank and who can truly act in your best interest.

An objective perspective

Superannuation and pension funds may seem similar but there are often significant differences in fees and investment options which is why an adviser who is not an employee of a super fund or bank can provide a more objective perspective. 

Real Value   Integrity   Financial Clarity
Brett Young

Founder of Online Super Advice

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Online Super Advice was founded in order to make it easy for everyday Aussies to access licensed superannuation and retirement planning advice from the comfort of their home or office, irrespective of where their super is invested.

I took the best of what I learned in my previous roles providing superannuation and retirement planning advice and have applied them to this business.

While the technical stuff can be learned, I like to believe that the care factor and personal touch is the thing that sets Online Super Advice apart.

My vision and hope for Online Super Advice is that it will become THE trusted website for superannuation and retirement planning advice across Australia.

 

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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