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SUPERANNUATION

A lot of people are under the impression that they have no investments, but inside a superannuation portfolio, everyone is invested in property, shares, term deposits and more.

A common misconception is that superannuation funds are one-size-fits-all and that you get one off-the-shelf and ‘it is what it is’.

The reality, however, is there are a plethora of different investment options available for everyone inside their own existing funds – let alone other funds.

It’s a matter of setting up your fund so that you can maximise your retirement benefit.

Putting aside small amounts all the way through your working life is generally much easier than trying to put a lot away in the last 10 years, but everyone is different and we are careful to tailor client’s contributions to best suit their financial goals and objectives.

We always ensure our clients know what the investment philosophy is for their retirement fund. It’s important to be well informed and a good test is whether you could explain the philosophy of your fund to someone else if they ever asked.

If you think you haven’t paid enough attention to your superannuation over the years, take some comfort knowing that you are not alone.

It is one of the most overlooked and disregarded possessions people have.

Particularly relevant to the current generation is the location and consolidation of multiple superannuation accounts. You might have had a job at school, then at university and might have had two, three or even four full-time jobs since.

Unless you’ve been diligent along the way, you most likely have multiple accounts and are paying multiple sets of fees.

SUPERANNUATION

Your biggest asset is your ability to earn an income. If you lose that, then everything else changes.

Are you covered to temporarily or permanently protect your loved ones if you were suddenly not around or became incapacitated?

How long could you and your family survive without your employment income?

Self-employed people in particular need to insure themselves well because among other things they generally don’t have access to WorkCover.

On the flip side, people who work for a wage have access to WorkCover, but what if the illness or injury is not work related? Sick leave only covers short-term issues.

There are so many horror stories of families who weren’t prepared for the unexpected and paid a heavy financial price.

The key to good insurance is setting an amount of cover that doesn’t burden cash flow, but that would ensure you and your family’s financial security in the event you weren’t able to work.

You might already have life and income protection built into your superannuation fund and don’t know it. Using your super fund is a good way to get protected without the cash flow burden.

Family and asset protection is a complex area that requires attention and planning as part of your overall financial strategy. Don’t leave it too late.

WANT TO MAXIMISE AND GET THE BEST OUT OF YOUR SUPER?

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WHY CHOOSE US

You can trust Fennell West to work in partnership with you to achieve your financial goals.

EXPERTISE

Our experience, knowledge and passion ensures clients get the most up-to-date and accurate advice to help guide them on the path to financial freedom.

TRUST

Trust, discretion and understanding are at the heart of everything we do at Fennell West as we work in partnership with our valued clients.

RESULTS

Fennell West has a proven record of delivering life-changing results to people wanting to take control of their financial future and reap the benefits.

WHY CHOOSE US

You can trust Fennell West to work in partnership with you to achieve your financial goals.

EXPERTISE

Our experience, knowledge and passion ensures clients get the most up-to-date and accurate advice to help guide them on the path to financial freedom.

TRUST

Trust, discretion and understanding are at the heart of everything we do at Fennell West as we work in partnership with our valued clients.

RESULTS

Fennell West has a proven record of delivering life-changing results to people wanting to take control of their financial future and reap the benefits.

OTHER FINANCIAL SERVICES

We work with lots of clients who know they want to take steps towards wealth creation but don’t know where to start.

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It is imperative that people planning their retirement do some work to establish their cost of living and what other goals they have for retirement.

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Family and asset protection is a complex area that requires attention and planning as part of your overall financial strategy. Don’t leave it too late.

LEARN MORE

When we talk about debt, we predominately talk about setting up efficient ways to manage your mortgage. We help people weigh up the best way to borrow.

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There’s more to estate planning than wills and superannuation beneficiaries. It’s about your financial legacy and what you want to achieve.

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At Fennell West, we hate putting people on a ‘budget’ – we prefer to talk to our clients about their cash flow and where their money has gone.

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Did you know that with the recent reforms to aged care, you may be up for $350,000 to enter an aged care facility, if and when the time comes?

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