Super & Retirement

Here’s some bad news. If you are earning an average wage and relying solely on your employer superannuation contributions, chances are, you will not have accumulated enough wealth to enjoy a comfortable retirement. With an aging population, there is no guarantee the government pension will be around as we know it today.

Ask yourself are you prepared?

Do you have a plan in place to ensure you have sufficient funds in retirement to live the lifestyle to which you have become accustomed? Or, are you like most other Australians who are just crossing their fingers and hoping it will all be OK?

Hope is not a strategy, but seeking financial advice early on is.

Planning starts now...

At H.A.M Financial Services our Financial Advisers have an in depth knowledge of superannuation and retirement planning. We know that investing for the long term in a tax effective environment can build substantial wealth for your retirement years and a Financial Plan can help you to take full advantage strategies including:

  • Projecting your likely retirement savings
  • Forecasting your personal requirements in retirement to maintain your current lifestyle
  • Reducing tax
  • Investment strategies
  • Retirement planning including Transition to retirement (TTR)
  • Getting more from your salary or bonus to boost your retirement savings
  • Redundancy advice
  • Government co-contribution
  • Boosting your spouse’s super and reducing your tax


H.A.M Financial Services is an Authorised Representative of RI Advice Group Pty Ltd ABN 23 001 774 125 AFSL 238429

General advice disclaimer:

The information (including taxation) on the H.A.M Financial Services Web Site is general advice only and does not constitute personal advice. It has been prepared without taking into account any of your individual objectives, financial solutions or needs. Before acting on this advice you should consider the appropriateness of this advice, having regard for your own objectives, financial situation and needs.

You should seek personal financial advice from a qualified financial adviser before acting on the advice. Consider a Product Disclosure Statement before deciding on a product.

Where historical performance information is stated, please note that past performance is no guarantee of future performance.