Financial Adviser, Accountant, South Melbourne, Black & Krantz, investment strategy advice, financial planning advice, business loans, home loans, retirement planning, superannuation, super choice, leasing, wealth tips, financial security

We specialise in investment strategies and advice, financial planning, home and investment loans, superannuation, retirement planning, business loans and equipment finance, wealth tips and strategies for your financial security

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Superannuation

Want to prepare and invest for your retirement, and maintain control of your investments without all the paper work and complexities that come with it ? At Black and Krantz we make superannuation work for you, rather than you being a slave to the continuous changes in legislation and compliance work.

Black and Krantz has qualified, experienced staff dedicated to our Self Managed Superannuation Fund clients in the areas of Financial Planning, Wealth Control©, Audit, Compliance, and Accounting. We take out all the hassles of running a Self Managed Superannuation Fund so you can retire with complete peace of mind.

Establishment of your Self-Managed Superannuation Fund
We set up your own Family Superannuation Fund (which can have up to 4 family members), where you can accumulate a variety of assets (eg Shares, Managed Funds, Property etc) for your retirement. It can even pay your life insurance and get you a tax deduction for it. Earnings are only taxed at 15% and capital gains at a low 10% (if held for more than 12 months).

We can assist you with:

	Review the appropriateness of a self managed superannuation fund for you, and recommend the structure best suited to your needs.
	Obtain the appropriate superannuation fund deed for your circumstances and strategies.
	Register your self managed superannuation fund with the Australian Taxation Office (includes GST, ABN, and TFN).
	Pay your life insurance and get a tax deduction for it.
	Earnings taxed at 15% and capital gains at 10% (if asset held for longer than 12 months).

Accumulation and Wealth Control©
We will assist you to formulate a strategy to maximise your future retirement benefits through Wealth Control©. We will advise you how to save, invest and manage your money to achieve the lifestyle you want for retirement.

We can assist you with:

	Wealth Protection safeguards the assets you already have and protects the lives of those important to you.
	Wealth Creation sets goals and implements growth related systems that enable us to achieve those goals.
	Wealth Maintenance monitors and updates strategies to reflect any changes to your goals, accommodates market variables and introduces you to the LifePlanner© program which organises all your financial affairs. Read more about investment review.
	Wealth Transfer ensures that the wealth created as well as the wealth coming is dispersed to the people you nominate in the smartest most tax efficient way.

Planning Your Retirement
When the time is right your Superannuation Fund can be converted into a Pension Fund for you and your partner. In some circumstances nearly $25,000 each per annum effectively tax-free. Any capital gains made in the pension fund are also tax-free. You also have more control in how your assets are dealt with for estate planning.

We can assist you with:

	Running your own pension to provide income for your retirement
	Access to lump sum payments whilst in retirement, above your pension.
	Actuarial reviews to ensure you pay no tax on any income or capital gains earned in your superannuation fund whilst in retirement.
	Maximise capital gains tax relief.

Maintaining Compliance
We provide a full hassle free service where we prepare all the statutory documents required. Our auditors will independently review them and provide you with guidance regarding all matters concerning your Superannuation Fund.

We can assist you with:

	Preparation of annual Member Statements.
	Audited Financial Statements including balance sheet, profit and loss, cash flow and investment reports all prepared in accordance with Australian Accounting Standards.
	Preparation and lodgement of annual Income Tax and Regulatory Return with the Australian Taxation Office.

Superannuation is about planning for your future and implementing intelligent strategies designed to increase capital growth and provide a guaranteed future security. Enhancing your future is one of the most logical decisions you can make today.

We appreciate your time and look forward to meeting with you soon.

Principal Member of Financial Planning Association