General information about what we do as Financial Advisers, Retirement Planners, Superannuation advisers
Omura Wealth Advisers are Financial Planners Sydney, otherwise known as FInancial Advisers in Sydney, located in Circular Quay, Sydney Australia.
We are experienced Financial Advisers and Financial Planners that provide Superannuation Advice, Retirement Planning and Personal insurance advice in Sydney, Circular Quay.
We have a financial planning license and are authorised to provide you with superannuation advice, retirement planning, SMSF advice, personal insurance advice, investment portfolio advice, centrelink advice, managed investment schemes, retirement advice and taxation advice where it is incidental to the other types of advice listed above.
We are a boutique firm in Sydney Australia, which means that you get the best service. You don’t have to deal with departing financial advisers and try to build a new relationship every time a financial planner departs. Our financial advisers will be with you for a very long time and build a lifelong relationship with you. This means that we will be with you during your life journey, which can start off with insurance advice and personal investment advice whilst you are young, and can then evolve to de-risking as you approach retirement and begin to contribute to superannuation to save tax. Towards the end of your life, we can help you with estate planning to make sure your estate is distributed to your beneficiaries in line with your testamentary wishes, and provide you with advice to save tax on your estate. We can also help you budget to make sure you spend enough of your superannuation money so you don’t leave behind too much and compromise your lifestyle. This is a benefit of retirement planning.
Superannuation Advice can help you plan for your retirement by making superannuation contributions and saving tax whilst building your superannuation money and investing through portfolio management and retirement planning. Superannuation advice in Sydney provided by experienced Superannuation advisers with experience can help you grow your investment portfolio using Self-Managed-Super-Funds (SMSFs) or traditional superannuation funds to invest retirement money.
Retirement planning provided by experienced Retirement advisers, financial planners, financial advisers and expert Superannuation advisers can help you budget and invest your money based on your personal goals and risk profile. Retirement planning involves identifying superannuation tax concessions, maximising your superannuation balance, and balancing how much money you would like to spend now vs how much money you would like to invest and therefore spend in retirement by drawing money from your superannuation investment portfolio.
Personal insurance advice can help you protect your superannuation portfolio and is a key part of retirement planning because using Income Protection, TPD, Trauma and Life insurance can make sure that if something happens to you and you were unable to work, your superannuation advice or retirement planning would not be unwound. Insurance can protect your retirement plan.
Centrelink and Age Pension should also be factored into Superannuation Advice and Retirement planning and we can give this superannuation and retirement planning advice in Sydney from the convenience of our office in Circular Quay. Age Pension impacts retirement planning and superannuation advice because it should be factored into affordability and retirement planning. For example, you may not realise that you can spend and retire on more money than you originally anticipated because of your Age Pension entitlements and therefore you have not made an adequate retirement plan.
You can also use a partner’s superannuation balance to shelter assets and receive a greater Age Pension using superannuation strategies and advice. This is the benefit of a good financial planner otherwise known as financial adviser.
We bring results
Our financial advisers find ways to save tax and you pay less fees than the tax and investment returns that you earn. We recommend platforms and investments that help you save for your retirement and you will be happy with our financial planners
Financial Planner reviews
We provide annual reviews by our financial planners that make sure that your retirement planning is on track, and recommend adjustments to your superannuation advice or superannuation strategy, or investment portfolio asset allocation
An experienced Sydney Financial Adviser
Our financial advisers or financial planners have over ten years of experience providing superannuation advice and retirement planning advice to retirees and generating good investment portfolio outcomes and tax savings using our strategies and advice
Financial advice tailored to you
Our financial advice is tailored to you. We consider your retirement expenditure and investment risk profile when recommending strategies to help you plan for retirement or save tax using superannuation strategies.
About us
Our financial advisers are passionate about providing the best superannuation advice and retirement planning services to help you achieve your financial planning goals and objectives. We are located in Sydney Australia.
FAQs
Q: Do you provide superannuation advice and financial planning advice to people across Australia or just Sydney?
A: We provide financial planning services to everyone across Australia. Superannuation law, governed by the SIS Act, is federal law, meaning it applies to all states of Australia
Q: Do you guarantee investment returns inside superannuation?
A: No, we do not guarantee investment returns. Investments fluctuate and we can only recommend an investment portfolio that is appropriate to your retirement planning
Q: How much do I need to retire?
A: Based on the latest reports on living costs, it generally costs a couple around $43,000 per annum for a modest retirement and $67,000 per annum for a comfortable retirement including a domestic trip every year and an international trip once every seven years.
For a single person, it would cost $30,000 per annum for a modest retirement and $47,000 per annum for a comfortable retirement.
Q: How often do superannuation laws change?
A: There is a federal budget each year, where on occasion, superannuation rules change. They dont always change. Generally, non-concessional contribution caps and concessional contribution caps are amended upwards or downwards. So are Total Superannuation Balances TSB restrictions as well as Transfer Balance Caps (TSB).
Q: How is Superannuation taxed?
A: The accumulation phase of superannuation pays 15% tax on earnings and capital gains tax. Unlike the personal 12 month capital gains tax discount where you get a 50% discount, superannuation accumulation phase receives a 33% discount making the net gain taxed at 10%. The Account Based Pension phase of superannuation pays 0% tax on income and capital gains, it is tax free.