Let's talk superannuation planning on the Sunshine Coast
Apart from our homes, Superannuation is one of the largest assets most of us have and is also one of the most tax-effective retirement saving methods.
How we help
Determining the right super for you
Superannuation can be a complex area and is rarely a high priority consideration for most unless you are nearing retirement age. But, making small changes to your superannuation early on can make a big difference and will lay the path for the type of lifestyle you enjoy in retirement.
At Cotton Tree Financial Services, our expert super advisers in Maroochydore will help you determine the right super fund for you by considering your existing fund’s Fees, Performance, Investment Options, Insurance, Level of Service and Management, together with your Personal Retirement Goals and ultimately making sure your super will be there for you when you need it.
How you can invest your super with us
We make the process of choosing your investment options easy by recommending an investment option that is tailored to your risk tolerance, goals and investment objectives. Depending on how much or how little you want to be involved in the investment process, or how simple or complex you want your investment allocation to be, we will be able to recommend an investment portfolio that suits you.
Index Funds
If you are looking for a low cost, simple to manage investment structure, we offer a range of index fund options.
Put simply, index funds focus on a specific market index, e.g. the Australian Share market index or Global Share market index. This allows you to own multiple companies and stocks within a selected index within a single investment in your portfolio. We offer a range of different portfolios to suit your risk and investment goals, that are on average the same cost as your typical retail or industry super fund, with the added benefit of quality management and ongoing service.
Hybrid Portfolios
For clients who want more complexity and individual investment exposure, our hybrid portfolios utilise a mix of small individual direct equities/shares alongside a mix of Exchange Traded Funds (ETFs).
Having a larger exposure to certain equities can provide a more focused return from your portfolio, however we also use ETFs to provide a low-cost alternative to traditional managed funds. Together, these portfolios provide diverse risk allocation across multiple sectors and themes within the market with different asset types.
Direct Equities
If you are looking for a full personalised portfolio where you are able to invest in exactly where you want your super assets to be, this option provides the greatest transparency.
Our superannuation advisers in Maroochydore have decades of equity investment experience and can help in finding the right direct equity portfolio to give your superfund the best chance at maximising growth over the years. Additionally, we can access alternative investments such as hybrid securities and alternative defensive assets to compliment any direct shares.
What type of super do our Maroochydore super advisers deal with?
When it comes to super, we can help you with any type of account you have, whether it is a more complex matter with a Self Managed Super Fund (SMSF), or maybe you still have a small industry or retail super account, we can offer superannuation advice on the Sunshine Coast that helps you make the right choices for your retirement further down the road.
Retail/Industry Superfunds
We work with a number of the top super providers in Australia to help clients get the most out of their super, whether you are just starting to add to super, or looking to transition that super account over to pension phase.
Our Cotton Tree super advisers have considerable experience in dealing with retail and industry super providers regarding insurances, fees, investment choices, or even level of service you receive. We can help you recommend the investments you want within your fund, or even recommend an alternative fund that may offer better value for your circumstances as well as ongoing superannuation services.
Self-Managed Superfunds
Whether you have had a superannuation specialist manage your SMSF investments in the past, or are looking for some help in managing your assets for the first time, we are able to help you.
Our superannuation advisers work with you and your accountant to ensure the investments are in line with your goals and objectives. We can also provide holistic advice regarding your SMSF, especially if you have direct property assets which can have different investment objectives than direct equities, cash and defensive assets. Providing ongoing SMSF superannuation services, recommendations and management regarding your super investments is a core part of our Sunshine Coast business.
Platform Superfunds
Perhaps you have worked with a superannuation financial adviser in the past or you decided to join a platform to manage your super. When it comes to managing your super, we have a number of preferred platform provider we use that provide a wide range of investment options with competitive fee structures.
Your existing platform provider could potentially be the most appropriate option for you and if this is the case, our superannuation financial planning Sunshine Coast team can simply provide the additional specialist service you are looking for. This could involve altering investment options that are tailored towards your needs and providing ongoing correspondence and service to better manage your super.
What are the advantages of using Cotton Tree Financial Services?
You Are Important to Us
Our clients are our priority, having helped many clients and their families manage and grow their investments for over the last 20+ years is something we are very proud of. Our integrity and attention to detail has enabled us to achieve very high levels of client satisfaction.
Ongoing Service and Management
At Cotton Tree Financial Services, our ongoing service is our top priority to you and your family. We have a dedicated team that not only helps with any administration needs but also provides ongoing regular correspondence, transparency, reports and reviews to ensure you are receiving outstanding service and up to date management of your Superannuation investments.
Individuals, Families, Businesses
We work with individuals, families, SMSF’S and businesses to provide services and solutions that assist in the preservation, growth and management of your wealth.
Tailored Financial Advice
We work closely with our clients to target their wants and needs and have developed strong long-term relationships with our existing clients and their families. So, whether you are an individual investor, or high net worth entity, our goal is simple: to listen to you, then act according to your specific needs.
Informed Decisions Based on Current Data
We draw on the expertise from a variety of external sources and our own market knowledge to develop and implement investment strategies that will meet your specific circumstances and long-term objectives.
Direct Equities
As a self-licensed practice, we are able to use our experience to help you with direct equities that other firms can’t offer. We use top industry research and years of market experience to ensure our recommendations are informed with the best information available.