Superannuation

Rising Tide Financial: Expert Superannuation Advice You Can Trust

I want to make my super count.

After working for your entire adult life, you deserve to embrace retirement. This exciting phase of life is about stepping back, slowing down, and enjoying new adventures. However, you must be prepared to make the most of these years. At Rising Tide, we offer trusted retirement planning solutions. We can guide your retirement journey from superannuation to investments and mortgage services.

Retirement planning is important for all ages. Everyone benefits from expert advice, whether you’re just entering the workforce or stepping off the treadmill for good. Our finance professionals will help to maximise your savings, reduce your taxation, and streamline your investments to set you up for retirement.

Rising Tide helps you to create the perfect superannuation structure.

Contact our team to discuss your superannuation and get started on the road to financial freedom.

Understanding your superannuation needs

Before you make solid financial plans, you need to take stock of your current situation. When discussing superannuation strategies, we learn about you and what you look forward to. Whether you want the best superannuation for young adults or expert advice nearing retirement, we’re here to support your needs.

Regardless of your age, financial health, or stage of life, the following considerations are key:

• What are your future goals?
• When would you like to retire?
• What is your current income?
• How much debt are you in?
• What kind of lifestyle do you want?

Superannuation is unique to everyone, so planning needs to be personal. Whether you follow a strict weekly budget or spend like there’s no tomorrow, it’s important to sit down with your financial planner and discuss everything. 

Choosing the right superannuation fund

At Rising Tide, we don’t just offer advice. We deliver superannuation strategies that work with your lifestyle. We treat each client as an individual, unlocking a unique superannuation structure that aligns with your age, income, and life goals. There are many things to cover, whether it’s creating a plan or choosing the right superannuation fund. 

The financial world is changing constantly, and flexibility is more important than ever. You need to move with the times to make the most of your opportunities. Your superannuation structure should change over your career. As a rule of thumb, your policy should be higher-risk while younger and more conservative as you age.

Superannuation strategies to maximise retirement savings

If you want to maximise your superannuation, starting early is important. One of the biggest mistakes people make is leaving their superannuation planning too late. This can limit your retirement account, making it harder to reach your financial goals. 

In many scenarios, people focus on paying off their mortgage before they deal with super. Despite good intentions, this strategy is far from ideal. To have the biggest impact on your retirement, you should create a unified plan that deals with both your super and mortgage funds.

Super structures and contributions

At Rising Tide, we help people implement superannuation strategies to help them achieve their goals. We also help our clients understand all the jargon in the superannuation world better.

There are so many options and strategies available when it comes to superannuation and retirement. For example, you can sacrifice your salary (which will get more into your super and reduce your income tax). Other people choose to clear their mortgage first and then increase their super contributions later in life.

When super was first introduced, the actuaries recommended a mandatory contribution of 15%. Over 20 years later, however, we’re still well below that level. At Rising Tide, everyone should try contributing at least 15% of their income to super. To meet this goal, building assets inside and outside the super environment is important. Financial assets have different levels of liquidity and accessibility, which is why we recommend a multi-pronged approach.

Why Rising Tide is your go-to for superannuation advice in Australia

If you’re looking for superannuation advice in Australia, we would love to help. Our team of qualified, experienced, and trusted financial professionals will find a super plan that aligns with your retirement goals. This involves more than choosing a superannuation fund — it’s about making smart choices to achieve your financial dreams.

Browse our website to analyse financial planning costs, look at success stories, and review our process.

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