Smartest Superannuation Advice Secure Your Future with Expert Guidance

 

Why Superannuation Matters

Smartest Superannuation(super) Advice is more than just a retirement fund — it’s one of the most tax-effective ways to build long-term wealth in Australia. But without the right strategy, you could miss out on thousands in savings and benefits.

At Cantor Accounting, we help individuals and businesses make smart, compliant, and future-focused decisions around superannuation.

Key Smartest Superannuation(super) Advice Strategies We Recommend

1. Maximise Your Contributions

• Concessional contributions: Salary sacrifice or personal deductible contributions up to the annual cap.
• Non-concessional contributions: After-tax contributions to grow your super faster.
• Take advantage of carry-forward unused caps for catch-up contributions.

2. Set Up a Self-Managed Super Fund (SMSF)

• Greater investment control and flexibility.
• Ability to invest in property, shares, and even private assets.
• Best suited for balances over $250,000 with professional support.

3. Review Super Fund Performance

• Compare fund fees, returns, and insurance.
• Switch to low-fee, high-performing funds if needed.
• Consolidate multiple funds to save on costs.

4. Superannuation for Business Owners

• Tax-deductible super contributions for directors and employees.
• Protect personal wealth by using super for long-term growth.
• SMSF strategies for purchasing business property.

5. Retirement & Transition-to-Retirement (TTR) Planning

• Convert super into an income stream tax-free after preservation age.
• Use TTR strategies while still working to reduce tax and increase contributions.
• Plan early to ensure income security in retirement.

Common Mistakes to Avoid

• Ignoring annual contribution limits and incurring penalties.
• Choosing default funds without performance review.
• Missing out on government co-contributions or spouse contributions.
• Poor record-keeping and compliance in SMSFs.

Why Choose Cantor Accounting?

• ✅ Personalised Smartest Superannuation(super) Advice strategies
• ✅ SMSF setup, administration, and compliance
• ✅ Retirement and estate planning integration
• ✅ ASIC-licensed partnerships for financial advice
• ✅ Based in North Sydney, serving clients Australia-wide

Getting Started is Easy

Book your Smartest Superannuation(super) Advice review today. 📧 info@cantoraccounting.com.au 🌐 www.cantoraccounting.com.au