Working with an independent superannuation advisor
An independent superannuation advisor (more commonly referred to as an independent financial advisor or independent financial planner) will undertake a strategic analysis of your current financial state and the state of your superannuation. Independent superannuation advice will reveal opportunities to improve the performance of your super balance with a personalised superannuation investment strategy, underpinned by your retirement goals.
We are very different compared to other Financial Advisors in Sydney.
Plutus Financial Guidance provides CIFAA-certifiend independent financial advice. As independent financial advisors we take no asset-based fees, commissions, or kickbacks – nor do we receive referral fees.
We are not related to any financial institution or product manufacturer, nor do we have our own products. Therefore we are not incentivised to sell products to you. Instead, we focus on quality strategic advice coupled with product recommendations that is in your best interest and free from conflict remuneration. We are not restricted to any particular providers and do not have a limited list of products with undue influence.
Professional, Independent Superannuation Advice in North Sydney
We conduct ourselves in a professional, ethical and socially responsible way when it comes to providing superannuation advice to our clients.
Your super balance is an important part of planning for retirement. Plutus Financial Guidance are here to help you maxmise your superannuation growth potential and ensure that when you reach retirement, you can afford the retirement lifestyle you deserve. Additionally, if you are seeking further information regarding our independent superannuation advisory services, please feel free to read our blog, Working with a Superannuation Advisor.
Vince Lam will provide you with independent superannuation advice
Principal Consultant MAppFin BCom CPA JP
Vince is an Accountant and an Independent Financial Advisor with over two decades of industry experience. He has worked for blue chip organisations such as Deloitte, ABN Amro, AMP, HSBC, Westpac & Energy Australia.
His academic qualifications include a Master of Applied Finance from the Macquarie University Applied Finance Centre and a Bachelor of Commerce degree from the University of Sydney. He also holds the Certified Practising Accountants (CPA) designation and is an Accredited Aged Care Professional.
One of Vince’s personal passions is his work in philanthropy. In past and present Vince has actively supported a number of organisations and causes, including Room to Read, Deaf Connect and has also established his own philanthropic organisation.
Whilst compulsory employer superannuation contribution is important, many industry experts and financial advisors believe this will fall short in covering a basic retirement lifestyle for most Australians. Voluntary extra superannuation contributions are a great way to bolster your super balance. There are a few easy and tax-effective ways to boost your super balance to make for a more healthier super balance at retirement. Our superannuation advisor can help you do this.
A tailored superannuation investment strategy will factor in things like your age, superannuation balance, retirement goals and appetite for risk. Your superannuation investment strategy will determine the way your superannuation balance is invested. At the most basic level, there are 4 types of superannuation investment options to consider; Cash, Conservative, Balanced or Growth orientated, ranging from low risk to high risk. Risk and reward should be analysed before choosing an option that is right for you, talk to our superannuation advisor today.