Assisting with Superannuation in Emerald

Take Control of Your Superannuation

Peter Maundrell & Company can help you grow your nest egg for retirement with tailored superannuation in Emerald. Understanding the best way to manage your super is essential for long-term financial security. We assess your income, retirement goals, and tax position to determine whether a self-managed superannuation fund (SMSF), retail, or industry fund suits your needs.

Superannuation rules can be complex, but we provide guidance to ensure compliance while maximising returns. Our services include SMSF setup, tax reporting, estate planning, and superannuation contributions management. If you’re considering an SMSF, we assist with structuring, ongoing administration, and meeting ATO requirements, giving you greater control over your investments.

Planning ahead ensures your superannuation works in your favour. Arrange a consultation by calling (07) 4987 7757, and we’ll help structure a retirement strategy that aligns with your financial goals. We assist individuals throughout the Emerald and the Central Highlands, including Clermont and Springsure.

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Superannuation Compliance Support

We help navigate ever-changing superannuation regulations, ensuring all reporting and contribution requirements are met.

Integrated Tax & Super Strategies

Superannuation planning is structured alongside tax obligations to maximise savings and long-term financial benefits.

Flexible Superannuation Management

Whether you prefer an SMSF or a managed fund, we provide guidance to ensure your super aligns with your financial goals.

Frequently Asked Questions

What are the benefits of a self-managed superannuation fund (SMSF)?
An SMSF provides greater control over investments, allowing you to choose where and how your superannuation is managed. It offers flexibility in asset selection, including property, shares, and term deposits. Tax advantages and estate planning benefits are also key advantages. However, SMSFs require compliance with regulations, ongoing administration, and investment knowledge to ensure they operate within legal guidelines.
How much can I contribute to my superannuation each year?
Superannuation contributions are subject to annual caps set by the ATO. The concessional (before-tax) contribution cap is $27,500 per year, while the non-concessional (after-tax) cap is $110,000. Carry-forward rules may allow unused concessional caps from previous years to be added. Exceeding these limits can result in additional tax penalties, so it’s important to track contributions carefully.
Can I access my superannuation before retirement?
Superannuation is generally preserved until reaching preservation age, typically between 55 and 60, depending on birth year. Early access is only permitted under specific conditions, such as financial hardship, terminal illness, or a first home deposit through the First Home Super Saver Scheme. Accessing superannuation early without meeting eligibility criteria can result in significant tax penalties.

Our Superannuation Services

Superannuation plays a key role in financial planning, and understanding your options can help you manage retirement savings effectively. We assist with a range of superannuation in Emerald services, from fund selection to compliance and financial structuring. Here are just a few examples of how we can assist you:

Superannuation Fund Advice: Guidance on SMSFs, retail, and industry funds to help you choose an option that suits your financial goals.
SMSF Setup & Administration: Assistance with setting up a self-managed superannuation fund, handling documentation, and ensuring compliance.
Superannuation Tax & Compliance: Support with tax obligations, including income tax preparation, reporting, and adherence to SIS Act regulations.
SMSF Borrowing & Investment Finance: Structuring finance within an SMSF for property and investment purchases while meeting ATO requirements.
Estate Planning & Superannuation Audits: Ensuring superannuation assets are structured correctly for succession planning and managing required SMSF audits.