Super Advice.Superannuation is a compulsory scheme where a person has money paid by their employer to a super- or pension-style fund so they are financially supported when they retire from the workforce.
It remains the primary source of retirement income for many yet remains the least understood and is consequently often mismanaged. That's where we come in. We offer a free initial phone consultation with no strings attached. Book yours today. 
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Superannuation - What You Need To Know
What happens to your money?
Over the course of your life, your super fund aims to grow your super balance by investing the money in your super account
You can let your super fund decide how your money is invested or make your own investment choices taking into consideration investment options, fees, insurance costs (if you have insurance), and taxes.
When can you access your super?
As the primary purpose of super is to fund retirement, the conditions of release before it can be accessed are well defined.
Choosing a Super Fund
Choosing a super fund is an important decision. How your fund performs over the long term, fees, investment choice, and insurance options are just some of the things to consider when finding a suitable fund. The following are some of the key considerations.
Fees
Not all super funds have all the same features and if like many Australians, you give the annual statement a cursory glance, it’s highly likely you’re paying for features you don’t need. Ensuring your fund is right for you could mean thousands in fees saved for your retirement.
Investment Options
It’s crucial to have multiple investment options in each risk profile so that if any one investment option does not perform you still have alternatives within the same risk profile. The investment philosophy behind the super fund and whether this is “active” or “passive” can mean a significant difference in long term fees.
Asset Allocation
It is essential to change your mindset from wealth accumulation into wealth drawdown. This means having a primary focus on limiting any loss with secondary focus being future growth. Getting the asset allocation correct can mean less “grey hairs” during times of market volatility knowing your retirement nest egg is secure.
Insurance Premiums and Advisor Fees
In some cases, it is possible to fund your insurance premiums and costs of advice from your super fund. In this case, the growth of the super fund will be impacted unless these outflows are replaced with investment into the super fund or other wealth creation strategies.
Over the course of your life, your super fund aims to grow your super balance by investing the money in your super account
You can let your super fund decide how your money is invested or make your own investment choices taking into consideration investment options, fees, insurance costs (if you have insurance), and taxes.
When can you access your super?
As the primary purpose of super is to fund retirement, the conditions of release before it can be accessed are well defined.
Choosing a Super Fund
Choosing a super fund is an important decision. How your fund performs over the long term, fees, investment choice, and insurance options are just some of the things to consider when finding a suitable fund. The following are some of the key considerations.
Fees
Not all super funds have all the same features and if like many Australians, you give the annual statement a cursory glance, it’s highly likely you’re paying for features you don’t need. Ensuring your fund is right for you could mean thousands in fees saved for your retirement.
Investment Options
It’s crucial to have multiple investment options in each risk profile so that if any one investment option does not perform you still have alternatives within the same risk profile. The investment philosophy behind the super fund and whether this is “active” or “passive” can mean a significant difference in long term fees.
Asset Allocation
It is essential to change your mindset from wealth accumulation into wealth drawdown. This means having a primary focus on limiting any loss with secondary focus being future growth. Getting the asset allocation correct can mean less “grey hairs” during times of market volatility knowing your retirement nest egg is secure.
Insurance Premiums and Advisor Fees
In some cases, it is possible to fund your insurance premiums and costs of advice from your super fund. In this case, the growth of the super fund will be impacted unless these outflows are replaced with investment into the super fund or other wealth creation strategies.
GENERAL ADVICE WARNING
The information contained on this website has been provided as general advice only. The contents have been prepared without taking account of your objectives, financial situation or needs. You should, before you make any decision regarding any information, strategies or products mentioned on this website, consult your own financial advisor to consider whether that is appropriate having regard to your own objectives, financial situation and needs.
Davlin Financial Planning Pty Ltd, ABN 68 129 243 223 and David Linco are Authorised Representatives of Consultum Financial Advisers Pty Ltd. AFSL No. 230323, ABN 65 006 373 995.
The information contained on this website has been provided as general advice only. The contents have been prepared without taking account of your objectives, financial situation or needs. You should, before you make any decision regarding any information, strategies or products mentioned on this website, consult your own financial advisor to consider whether that is appropriate having regard to your own objectives, financial situation and needs.
Davlin Financial Planning Pty Ltd, ABN 68 129 243 223 and David Linco are Authorised Representatives of Consultum Financial Advisers Pty Ltd. AFSL No. 230323, ABN 65 006 373 995.
Why Choose Us?
Decades of experience. Hundreds of happy clients. 80+ five-star reviews on Google & Adviser Ratings.
We're fully licenced & accredited, work with integrity and always put your interests first.
We're fully licenced & accredited, work with integrity and always put your interests first.
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Experienced
In 25+ years in business we've helped clients from all walks of life across all industries. You're in safe hands at Davlin Wealth Management. |
Certified
We are fully qualified & licenced Accountants, Mortgage Brokers & Financial planners, accredited with the respective industry bodies for your peace of mind. |
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Get in touchPhone: 02 8445 9999
Email: [email protected] Our LocationsAfter 9 years being located in Thornleigh, we moved in October 2021 to operate virtually and now predominantly meet with clients using Zoom and Microsoft Teams.
For clients in Sydney or when David is travelling, physical meetings can take place at any Wotso office location throughout Australia. Preferred locations are: Manly: 44 North Fort Rd, The Barracks Precinct, Manly NSW 2095 Pyrmont: 3/55 Pyrmont Bridge Rd, Pyrmont NSW 2009 Strathfield: Level 1/5 George St, North Strathfield NSW 2137 Davlin Wealth Management Manly
Wotso Manly, 44 North Fort Rd, The Barracks Precinct, Manly NSW 2095 |
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