Category Archives: Super & Retirement


The importance of Retirement Planning

Submitted by on Thu, 05/02/2015 - 9:14
Retiring from the paid workforce is one of the most important life changes most of us ever make. So why aren’t more Australians better prepared? Here are some issues to think about and steps you can take to become truly retirement ready, so you can enjoy the lifestyle you’ve been looking forward to. Retirement is Continue Reading

Biggest Tax Free Income Opportunity a miss!

Submitted by on Sun, 18/05/2014 - 17:24
It alarms me when I think about how many prospect clients I’ve seen over the years that were not aware of some common strategies that could save them significant tax and increase their retirement savings. Even after telling many of these  prospect clients what the benefits are, how it may work, and the fact they Continue Reading

Hidden Tax Increase for Pre-Retirees

Submitted by on Fri, 16/05/2014 - 14:18
With the announcement of the 2014 Budget on the 13th of May it’s highly likely we will all be paying more tax in some shape or form with some significantly more than others. • For those that earn in excess of $180,000 it means a 2% increase in income tax (Budget Repair Levy) on the Continue Reading

Retirement Income Planning and Risks

Submitted by on Thu, 15/05/2014 - 10:13
Most people don’t consider the various risks associated with retirement income planning such as sequencing, longevity, inflation, consumption and execution risks. We have provided you with a series of videos with Moshe Milvesky a Canadian Finance Professor that has conducted much research and is considered to be a specialist in this field to walk you Continue Reading

Super & Transition to Retirement Strategy

Submitted by on Mon, 17/06/2013 - 21:27
It’s absolutely not too late to start saving more for your retirement in your mid to late fifties even in your sixties. What’s more if you have some surplus cash to put aside, super is generally the most tax-effective option.  This is because of the low tax rate payable on investment earnings in super and Continue Reading

What is a Reversionary Beneficiary?

Submitted by on Mon, 17/06/2013 - 20:25
            A reversionary beneficiary nomination enables you to elect for your pension payments to automatically continue to be paid to your spouse (or certain other people) in the event of your death. If this is your preference, then completing a reversionary beneficiary nomination can provide you with some certainty that Continue Reading

Gold Coast & Brisbane Retirement Planning Advice

Submitted by on Sat, 08/06/2013 - 11:43
Retirement Planning is critical to ensure that you live the lifestyle you deserve and have dreamed about all your life once you finally reach retirement . There is nothing worse than trying to wing it and not having a road map;  chances are without  proper planning you will end being somewhere else. At Integral Financial Continue Reading

Salary Sacrificing to Superannuation

Submitted by on Mon, 15/10/2012 - 1:49
Integral Financial Planning are Gold Coast Superannuation Specialists, in this article we will attempt to explain the benefits of Salary sacrificing into superannuation. Salary sacrificing can be an extremely powerful strategy to build wealth for your retirement and at the same time save significant tax. Rather than paying tax at your marginal tax rates and providing Continue Reading

Insurance Inside Super

Submitted by on Wed, 29/08/2012 - 20:23
Integral Financial Planning located on the Gold Coast provides Personal Life Insurance Advice. An effective way to fund and structure your Personal Insurance such as Income Protection, Life and Total & Permanent Disablement Insurance can be through superannuation. In some circumstances cash flow and affordability may be an issue and rather than forgo critical insurance Continue Reading