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Superannuation Advice

Superannuation is a valuable savings system utilised by individuals to provide for their retirement.


While there have been numerous changes to super over recent years, it is still one of the most tax effective means of accumulating wealth and generating income in retirement.

Here are the main features and benefits of superannuation;


  • Earnings are taxed at a maximum of 15%


  • Earnings and capital gains are tax free when in pension phase

  • Personal contributions to superannuation can be tax deductible 

  • Employer & salary sacrifice contributions are taxed at 15% which is generally less than personal marginal tax rates, and;

  • Benefits can also be paid tax free to dependents in the event of death and be an effective estate planning investment.






An SMSF is a Trust where funds or Assets are held and managed on behalf of a maximum of four individuals, to provide future retirement benefits. 


The main rationale for establishing your own SMSF is the increased level of control you have, as well as the investment choice and flexibility. You become the Trustee of your fund, and therefore make decisions on your funds investment strategy and the types of assets held within the fund.  


DKG Financial Group has an accredited Self Managed Superannuation Fund Specialist, offering advice on all aspects of SMSF, from establishment, to fiduciary obligations and investment strategies.

Retirement Planning

Retirement planning is about ensuring that your investment plans, (Both now and into the future) will allow you to maintain your desired lifestyle in retirement.


Retirement can mean many different things.


For some, it means switching from full-time work to working part-time. For others, it means simply leaving work and enjoying time with family or travelling.


Whatever retirement means to you, you need to make sure that your savings continue to work for you in retirement.




Risk Insurance

Risk Insurance strategies are designed to protect you from different events that can occur, including;

  • Life Insurance- Pays a lump sum to your beneficiaries in the event of your death - While money can never replace the loss of a loved one, it's comforting to know the people who depend on you will be financially assisted.


  • Total and Permanent Disablement cover- Pays a lump sum if you're no longer able to work due to total and permanent disablement. This additional money could be used to repay loans, help meet day to day living expenses, fund medical expenses, meet rehabilitation costs and pay for any modifications required to your home.

  • Trauma insurance- Pays a lump sum in the event you suffer certain specified medical conditions such as a serious  heart attack, stroke, cancer, etc.

  • Income Protection insurance- Insures you against loss of income while you are unable to work because of illness or injury. Income Protection insurance pays up to 75% of your salary package from your employment. Income protection insurance can provide you with an income to meet day-to-day living expenses, loan payments and other general expenses during times of illness or injury.




Estate Planning


With family structures becoming more fluid, planning your estate has become more important in recent times, and often involves much more than just a simple Will.


Family trusts, payouts of superannuation balances, and the tax implications for beneficiaries can all be managed with a careful estate plan. 

Seeking advice from your financial adviser is a crucial step in developing a proper estate plan, to ensure that;

  • The tax payable is minimised on the income and capital gains earned on assets.


  • The right ownership and control of your assets passes to your intended beneficiaries, and; 

  • Your assets maybe protected if the beneficiary is involved in any legal difficulties (for example, divorce or bankruptcy).


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