Professional Superannuation & SMSF Advice

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At Waterford Financial Services, we are dedicated to providing professional superannuation & SMSF Advice that empowers local Novacastrians in securing their financial future. Our specialised advisers understand the critical role superannuation plays in funding retirement, and we're here to guide you every step of the way. We bring a unique blend of local expertise and financial insight to help you achieve your retirement goals.

Superannuation: The Cornerstone of Your Retirement

Superannuation stands as the cornerstone of financial security in retirement. Yet, many Australians tend to overlook its significance until retirement looms large. At Waterford Financial Services, we believe that early attention to your superannuation lays the foundation for a more abundant retirement.

Superannuation & SMSF Advice for a Confident Tomorrow

Our expert advisers are committed to answering the hard questions surrounding superannuation. We address fund suitability, consolidation, investment strategies, and the delicate balance between superannuation and mortgage priorities. Waterford Financial Services can help alleviate risk in your financial future

Making Informed Investments- Crafting Your Superannuation Portfolio

Investment decisions should never be one-size-fits-all. We understand that each individual’s situation, life stage, and risk tolerance are unique. That’s why we offer personalised assistance in selecting a superannuation fund tailored precisely to your circumstances. Your portfolio will encompass a balanced mix of defensive and growth assets, ensuring stability and potential for growth.

Navigating Government Initiatives

The landscape of government superannuation initiatives is ever-evolving. At Waterford Financial Services, we keep you informed and engaged with initiatives like:

    • Salary Sacrifice

    • First Home Super Saver Scheme

    • Spouse Super Contribution

    • Government Co-Contribution

    • Low Income Superannuation Tax Offset. 

The Waterford Financial Services Advantage

With Waterford Financial Services, you are not just another client but a partner in securing your financial freedom. Let’s delve deeper into what sets us apart and how we can work together to secure your financial future:

1. Understanding Your Financial Landscape

Before crafting a financial plan, it’s crucial to understand where you currently stand. Our advisors can help you compile a comprehensive review of your financial situation. From there, we can analyse your income, expenses, assets, and liabilities to create a clear picture.

2. Tailoring Superannuation Solutions

One size does not fit all in superannuation. That’s why we take a boutique and personalised approach to superannuation planning. When you choose us, you’ll be assigned a dedicated financial planner who will work closely with you to craft a bespoke superannuation strategy. Whether you prefer a conservative approach or wish to explore higher growth potential, rest assured, we’ve got you covered.

3. Maximising Tax Efficiency

Taxation plays a pivotal role in determining your long-term returns. That’s why, in collaboration with our sister company, Waterford Accountants, we offer specialised expertise in superannuation taxation. Our seasoned experts are well-versed in the intricacies of tax strategies for superannuation. 

4. SMSFs: Your Path to Greater Control

For those seeking more hands-on control of their retirement savings, a Self-Managed Super Fund (SMSF) can be the answer. Our advisers guide you through establishing and managing an SMSF, providing the knowledge and support you need for success.

5. Regular Reviews for Lasting Prosperity

Financial markets and government policies are ever-changing. Waterford Financial Services’s commitment to your financial well-being extends beyond the initial plan. We conduct regular reviews to ensure your strategy stays aligned with your goals and evolves to make the most of new opportunities.

Take the First Step Towards Financial Freedom

Don’t leave your retirement to chance. Take control of your financial future with Waterford Financial Services Superannuation & SMSF Advice Services. Our professional and personal approach will give you the confidence and knowledge you need to secure your retirement dreams. Contact

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FAQs about Professional Superannuation & SMSF Advice

It’s never too early to start planning for your retirement. The earlier you begin, the more options you’ll have available. However, it’s never too late to seek professional advice and make informed decisions.

Specialised advisers are crucial in providing Superannuation & SMSF Advice for your unique financial situation. They can assist in fund selection, consolidation, investment strategies, and prioritising between superannuation and mortgage.

We offer personalised Superannuation & SMSF Advice when  selecting a superannuation fund that aligns with your individual circumstances. Our approach involves a balanced mix of defensive and growth assets to ensure stability and growth potential.

Our team keeps you informed about various government initiatives such as Salary Sacrifice, First Home Super Saver Scheme, Spouse Super Contribution, Government Co-Contribution, and Low Income Superannuation Tax Offset to maximise your benefits.

Our commitment to personalised advice, seasoned expertise, and dedication to maximising benefits make us your ideal partner in securing your financial future.

Superannuation & SMSF Advice


Proactive Newcastle Financial Planners

Reach out to our friendly team today to learn more about how we can help with your accounting, financial services and advisory needs.

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