Prepared for Adam Faulkner
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You spend plenty of time looking after your retirement savings. How much time have you spent working out what you want to do when you retire?
If you run your own super fund, or SMSF, there's always something to check. An investment needs attention, a document needs signing or someone is waiting for information.
It's possible to keep up with all of that and still be unsure when you could finish work or what you could afford afterwards.
Life Money Co provides comprehensive financial advice for people with self-managed super funds. We start with your life goals, then look at your fund alongside your income, spending and other financial commitments.
That gives us a reason for the decisions we discuss. If you want to spend more time with family, for example, we need to understand what reducing work would mean for your money.
Click the link to find out how we can help you plan around your retirement goals.
You're considering a new investment for your retirement savings. Before deciding, have you looked at when you'll need to use that money?
If you run a self-managed super fund, it's tempting to focus on the investment itself. You look at the cost, the potential return and how it compares with what you already own.
But suppose you're also hoping to retire soon. You'd need to consider how the fund could provide income, what cash it would have available and the risk of committing more money to that investment.
Life Money Co looks at investment decisions within your wider financial position. Your retirement plans, money outside super and other commitments all help us assess whether a proposed change is appropriate for you.
We explain the advice before seeking your approval. There may be more to consider than the investment's potential return.
For help reviewing an investment decision alongside your retirement plans, click the link.
Partner A: The accountant's sent through the annual accounts for our super fund.
Partner B: Do they tell us if we can afford to retire?
Partner A: They show what the fund has and what happened over the year. I can't see anything about what we could spend if we stopped working.
Partner B: Did we actually ask the accountant to work that out?
Partner A: No, we've mainly asked them to handle the accounts and tax. We'd need to check what advice they can provide.
Partner B: Let's do that. I'd like someone to look at the mortgage as well as the fund before we make plans.
Narrator: Keeping your fund's records up to date and planning your future spending are different pieces of work. At Life Money Co, we provide comprehensive advice for people with self-managed super funds, and can work with your existing accountant. We look at your retirement goals alongside your wider finances.
Narrator: Click the link to learn about getting advice on the retirement questions you still have.
What if you wanted to retire earlier than you'd planned?
You might have a date in mind and a plan you've been following for years. Bringing that date forward changes how long you'll be earning, saving and paying off debt before your retirement income needs to begin.
For someone with a self-managed super fund, that raises questions about the fund as well as the household budget. When would you be able to access your super? How would you cover spending until then? What would your investments need to support after that?
Life Money Co helps you review those questions together. We consider your income, investments and other financial commitments when assessing a proposed change to your retirement timing.
You can then discuss the choices and trade-offs using your own circumstances, before setting a new finish date at work.
If you're thinking about retiring sooner, click the link to find out about our advice service.
Getting financial advice is one thing. Finding time to put it into practice can be another.
If you run your own super fund, a recommended change might also need input from your accountant or solicitor. Then there are forms to complete, information to provide and questions about who's handling each step.
When you have a busy working week, it's easy for something to sit unfinished because you're waiting to hear from someone else.
At Life Money Co, implementation is part of our comprehensive advice service. Once you understand and approve the advice, we manage the process and coordinate with the other professionals involved, including your existing advisers where needed.
You'll still need to provide information and approve or sign documents. But you can get help organising the work, rather than being left to follow up each person yourself.
To find out how our self-managed super fund advice and implementation service works, click the link.
Use your SMSF to build the retirement and life you actually want
If you have an SMSF, the point isn't to collect more paperwork or spend your evenings thinking about investment structures. The fund should help support the life you're working toward.
Life Money Co provides comprehensive SMSF advice for Australians who want their super, investments and wider financial position working from the same plan.
If that's what you're looking for, complete the short form below this video. Depending on your answers, you may be invited to book a call with the team.
The call gives you a place to explain what you want your money to make possible, how your SMSF works today and which decisions are getting harder to make on your own.
Perhaps you're thinking about retirement, reviewing your investment approach or working out whether your current fund still fits. Estate-planning questions may include, insurance decisions or debt sitting elsewhere in your financial life. The advice only works when those pieces are considered together.
That's why Life Money Co starts with your goals before getting into products or recommendations. The first phase defines the life goals you want to plan for. Next, the team works out how and when your finances can support those goals.
That sounds simple, but it changes the questions you ask.
You can start with the outcome before assessing an investment. The SMSF can then be reviewed alongside how it relates to your income, retirement plan, protection and estate arrangements.
Life Money Co specialises in working with SMSF trustees who are engaged, busy and comfortable delegating technical work to experts. The published comprehensive service can cover superannuation, investments, life insurance, estate planning, debt management, Centrelink benefits and aged care when those areas are relevant to the advice.
Once you approve the recommendations, the team can also manage the implementation and coordinate with accountants, solicitors, mortgage brokers or other professionals involved in your affairs. You still make the decisions without having to chase every moving part yourself.
An accountant may already completing the annual SMSF work. That's useful, but accounting and personal financial advice do different jobs. A comprehensive review asks whether the fund and the wider plan still support the goals you have now.
You may also want to keep control of your investments. Personal advice doesn't remove that control. It gives you a researched recommendation, an explanation of the trade-offs and a clearer basis for deciding what to do.
Changing advisers can feel disruptive, especially when your current arrangements have been in place for years. The call is a chance to explain what you already have and ask what a review would involve. If further work looks useful, the team can explain the scope and fees before you decide whether to proceed.
There's no useful way to promise a particular return or say an SMSF is right for someone before understanding their circumstances. The value of the advice is in making the relevant assumptions visible, testing the options and giving you a plan you can review as life changes.
That review is useful because retirement rarely arrives as one clean date. Work may slow down gradually. Spending can change. Family support, health costs or a property decision may alter what you need from the fund.
A good plan won't pretend to predict every one of those events. It should show you what the current strategy assumes, which decisions deserve attention now and what should be reviewed later.
The call is best suited to someone who wants personal advice, is prepared to share the information needed to make it personal and cares about how the SMSF fits into the rest of life. It won't suit someone looking for a guaranteed result, a product selected before the goals are understood or a shortcut around trustee responsibilities.
If that sounds like the kind of work you need, complete the form below this video and answer each question as accurately as you can.
Your answers help the team understand your current SMSF position, what you want to achieve and whether a call is the right next step. Depending on what you tell us, you may be invited to choose a time.
Use the form below to start the review. Life Money Co can then help you work out how your SMSF, investments and wider financial plan can support the retirement and life you want.
Thanks for booking a call with Life Money Co.
On the call, we'll ask about your current SMSF, the financial decisions you're considering and what you want your money to make possible over time.
You don't need to prepare a technical brief. If you have a recent fund statement or a short list of questions, keep those nearby.
We'll listen first and explain which areas may deserve a closer look. If further advice looks useful, we'll talk through the process and what happens from there.
We'll also send you a few short emails before the call. Watch the clips below so we can spend more of the call on your circumstances.
We look forward to speaking with you.
Your accountant and financial adviser do different work.
Accounting covers records, reporting and tax obligations. Personal financial advice considers whether the SMSF and the investments inside it suit your goals, circumstances and wider financial position.
Bring your existing arrangements to the call. We can discuss what's already covered and where a more comprehensive review may help.
No. Advice should give you a clearer basis for making decisions, not take those decisions away from you.
We explain the recommendations, the reasons behind them and the trade-offs involved before asking for your approval.
You can use the call to ask how that process works and how involved you remain at each stage.
It starts with your goals and your current SMSF, then looks at the areas that affect the same plan.
That may include superannuation, investments, insurance, estate planning, debt or retirement income, depending on your circumstances.
The aim is to stop each decision being handled in isolation when it affects the same life and retirement plan.
The call helps us understand your situation and the questions you want answered.
If further advice looks useful, the team can explain the recommended scope, the information required and the fees before you decide whether to proceed.
Personal recommendations only come after the proper discovery and advice process.
Hi,
Thanks for booking a call with Life Money Co.
We'll use the call to understand your current SMSF, the decisions you're considering and what you want your money to make possible over time.
You don't need to prepare a formal plan. If you have a recent fund statement or a short list of questions, keep those nearby.
Speak soon,
Life Money Co
Hi,
Before the call, think about what has changed since your SMSF was set up or last reviewed.
Retirement may be closer. Your income needs may have shifted. An investment decision, family change or estate-planning question may now affect the same plan.
Those changes help us work out which questions deserve attention first.
Life Money Co
Hi,
Your accountant's annual SMSF work remains important.
Personal financial advice has a different job. It considers whether the fund, investments and connected financial decisions still suit your goals and circumstances.
Bring the arrangements you already have to the call. We can discuss what's covered now and where a wider review may be useful.
Life Money Co
Hi,
Many SMSF trustees value control. Getting advice doesn't mean handing every decision to somebody else.
A sound advice process explains the recommendation, the reasons behind it and the trade-offs before you decide whether to proceed.
Use the call to ask how Life Money Co approaches that process and how involved you remain.
Life Money Co
Hi,
Keep three things in mind for our call:
What do you want your money to help you do?
Which SMSF or retirement decisions feel unclear today?
What has changed since the current arrangements were put in place?
That's enough to begin. If further advice looks useful, the team can explain the scope, information required and fees before you decide whether to continue.
Life Money Co
Hi,
An SMSF can give you more control. It can also add a steady stream of technical decisions.
Statements arrive. Investment questions pile up. Your accountant, adviser and other professionals may each hold a different part of the picture.
The fund exists to help your money support the life ahead.
Life Money Co starts with those goals, then considers how the SMSF and wider financial position can support them.
If your fund feels disconnected from the life ahead, request an SMSF advice call.
Life Money Co
Hi,
Suppose you want to slow down at work earlier than expected.
That decision can affect income needs, contribution plans, investment timing and the role of assets outside the SMSF. It may also change which protection or estate-planning questions deserve attention.
Changing one assumption doesn't create an automatic answer. It shows why the fund should be reviewed as part of the wider plan.
Life Money Co provides comprehensive SMSF advice for Australians who want those connected decisions considered together.
Request a call if you want to discuss what has changed for you.
Life Money Co
Hi,
That annual work is important. It covers the records, reporting and tax obligations that keep the fund operating properly.
Personal advice answers a different question: does the current fund and investment approach still fit your goals, circumstances and wider financial position?
The two roles can work together. Life Money Co can also coordinate with the accountants, solicitors and other professionals involved after you approve the advice.
If the annual work is covered but the forward plan is unclear, request an SMSF advice call.
Life Money Co
Hi,
Engaged SMSF trustees often want two things at once: specialist help with the technical work and control over important decisions.
Those goals can coexist.
An advice process should explain what's recommended, why it's recommended and the trade-offs involved. You decide whether to approve the implementation.
The value is a clearer basis for making the decision, with fewer disconnected pieces to coordinate yourself.
See how Life Money Co approaches comprehensive SMSF advice and request a call if the model fits what you need.
Life Money Co
Hi,
A review doesn't need to start with products or a prediction about markets.
Start with the life you want your money to support. Then name the decisions that stand between the current position and that goal.
That may include the SMSF, investments, retirement income, protection, debt or estate arrangements. The relevant scope depends on your circumstances.
Life Money Co's published methodology begins with life goals before working through the financial path.
If that's how you want to approach your SMSF, request a call with the team.
Life Money Co
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We handle every piece of the build, deployment, and the first 30 days of campaign management. You film, we run.
If yours isn't here, it's the first thing we'll cover on the call.
