On Average, Clients Of The Financial Advice Shop Save Thousands Of Dollars In Fees Every Year!

We are often contacted by new clients because their superannuation account fees are too high, service standards from their adviser are very poor or they simply want to deal with someone they can trust.

One of the biggest areas of discussion at the moment are commissions and fees. Our recommendations will eradicate commissions and remove you from investments with excessive fees.

In a recent review of our clients we studied the average fee savings our clients are currently receiving. The results surprised even us and we can share the results with you when we meet.

When it comes to supporting you on your retirement journey, we are determined to make a real and positive difference to your future financial security. And the fact that new clients are often referred by an existing happy client makes it even better and that is exactly how we like it.

What should you do next? It’s really simple: make contact with us to see how we can help you.


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What Are Two Of The Most Common Mistakes That Members Of The PSS Scheme Regularly Make?

Being a member of one of Australia’s most generous superannuation schemes is not, in itself, enough to ensure you end up with a secure retirement.

The most common mistake members of the PSS Defined Benefit Scheme make is that they do not contribute enough to the scheme during their working career. In effect, many members are making a very big mistake every fortnight and over a long period of time this can be a disaster.

The employer benefit is linked to member contributions and years of service so it is possible for members to severely disadvantage themselves by contributing at a low rate during their working career.

The key to maximising your PSS Scheme is to understand how your after tax contributions affect final retirement benefits. Depending on your salary and years of service, contributing at a rate of only 2% of salary over a long term career could shave $100,000, $200,000 or more from your final retirement benefit.

The second most common mistake members of the PSS Scheme make, and Public Servants more generally, is that they do not commence salary sacrifice to superannuation at the most appropriate time and at the most appropriate level. Usually it is commenced far too late at a low level with adverse retirement consequences.

When it comes to salary sacrifice to superannuation, if you are within 10 years of retirement, it is time to have a serious discussion about your retirement goals and ways to enhance your final retirement position. A discussion is the best way to understand your options, plan a way ahead and then take appropriate action.

What should you do next? It’s really simple: make contact with us to see how we can help you.


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