Maximize Your Super, Secure Your Future

Superannuation Advice & Planning

Expert Guidance

Maximized Contributions

Tax-Effective Savings

Educational Support

Empowering Your Future with Expert Superannuation Guidance You Can Trust.

Superannuation is about security.

The superannuation system in Australia is extremely dynamic and relies heavily on complex legislation. Its primary purpose is to help every Australian save for their retirement. Due to these complexities, it is crucial to seek professional advice to address all your superannuation concerns and develop strategies that encourage you to maximize your contributions and prepare you to retire with certainty.

Superannuation is a long-term form of concessionally taxed savings vehicle designed to assist you once you have retired or reached a certain age. It is generally preserved until preservation age as its intentions and purposes are to set savings aside for the future.

If your goal is to save for retirement, contributing more to super is generally the best way to do this.

We educate you to understand the superannuation system in Australia in the simplest way possible and how we can maximize it to your advantage.

Why Choose Us?

In-Depth Knowledge

Our experts stay updated with the latest superannuation legislation to provide accurate and effective advice.

Personalized Strategies

We tailor our advice to suit your individual circumstances and retirement goals to ensure you enjoy your best years.

Clear Communication

We simplify complex superannuation concepts, ensuring you understand your options and decisions.

Long-Term Focus

Build a sustainable superannuation plan that aligns with your long-term retirement objectives.

FAQ

Frequently asked question.

What is superannuation?

Superannuation is a long-term savings plan designed to help you save for retirement, with concessional tax benefits to encourage contributions.

When can I access my superannuation?

You can generally access your superannuation when you reach your preservation age and retire, or under specific conditions like severe financial hardship.

How can I maximize my super contributions?

There are several ways to maximize your super contributions, including salary sacrifice, personal contributions, and taking advantage of government co-contributions.

What are the tax benefits of superannuation?

Superannuation contributions and earnings are taxed at a concessional rate, which is lower than most people’s marginal tax rates, making it a tax-effective way to save for retirement.

How does superannuation fit into my overall retirement plan?

Superannuation is a crucial component of your retirement plan, providing a steady income stream in retirement. It should be complemented with other investments and savings to ensure a comfortable retirement.

"I first met Roger while collaborating on securing a commercial property. Over time, we developed a strong professional relationship, and I have entrusted him with many of my clients. As a seasoned financial planner with decades of experience, Roger’s expertise and transparency have made him an invaluable resource for me. I highly recommend him!"

Scott O’Neill

"Roger, Averylle and the team at Aspiram were fantastic to deal with, very professional and knowledgeable, I would recommend anybody looking to discuss their financial needs in regard to transition to retirement, super and insurances to contact the team."

Andrew Carter

"Roger Sousa has been our financial advisor for many years now. Roger and his team at Aspiram Financial Services are very professional, knowledgeable, trustworthy, caring and friendly. Roger's advice is always well received, and we know we can look forward to reaching our financial goals with confidence. Thank you Roger and Team!"

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