Superannuation

Most people think of superannuation as a tax-favoured way of saving for your retirement. For employees, it is compulsory. For self-employed people, it is optional. For everybody, it is a great idea.

But superannuation is about more than retirement planning. It is actually a cornerstone of most people’s financial plan. This is because ‘super’ touches every other aspect of your financial planning. The way you manage your super impacts on how you manage your insurances, your other investments, your tax planning, your retirement planning, your marriage, your divorce, how and when you might help your adult kids out financially, your estate planning and even how you repay your own mortgage.

It is super by name and even more super by nature.

There are several types of super funds, such as retail funds, industry funds, corporate funds and self-managed superannuation funds. Different clients are suited to one or more of these types, and sometimes it makes sense to use more than one type in combination. We help you select the appropriate type of fund. We then help you make best use of whichever option you take. This is important because super can and should be incorporated into your thinking about everything to do with your finances.

If you decide to manage your own super (a ‘self-managed super fund,’ or SMSF), we assist with all facets of establishing and maintaining this fund. This includes liaising with external legal professionals to facilitate the production of all documents needed to start, and our advice on the assets you hold within the fund.

Chris Thorn

Financial Planner

I greatly enjoy helping people achieve their financial goals, and I am committed to providing a high level of service to my clients. I pride myself on being open and honest with clients, as well as keeping the promises and commitments I make to them.

I have more than 30 years experience in the financial services industry, starting as an insurance agent with a large financial institution, and moving through a broad range of management positions and financial planning roles. Having worked for over 12 years with State Super Financial Services, I am an expert in Commonwealth Public Sector Defined Benefit Schemes –CSS and PSS. I have a strong background working through Redundancies and developing Centrelink (Age Pension) strategies.

Born and bred in Melbourne, I have spent most of my working life here, apart from short stints in rural Victoria and New South Wales. I am married with three adult children, and now have 4 grandsons. I enjoy overseas travel with my wife, am a keen golfer and long time supporter of the Geelong Football Club.

Chris Thorn is an authorised representative (1258276) of Nextplan Financial Pty Ltd (AFSL 1258276).

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