Specialist Wealth

Superannuation

Superannuation Strategies for Medical & Health Professionals

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Specialist Wealth offers superannuation strategies built on deep medical profession expertise, helping you navigate unique challenges such as Division 293 tax and complex contribution caps. We take a structure-agnostic approach—whether an Industry, Retail, or SMSF vehicle suits you best—providing impartial advice that looks beyond marketing to analyze true net performance. Our service also ensures integrated protection by reviewing insurance held within your super to confirm it meets the specific "Own Occupation" definitions essential for medical roles.

 

Our Superannuation Process

1

Audit & Compare

We conduct a deep dive into your current superannuation, reviewing balances, fees, and performance history. We then benchmark your fund against leading industry and retail alternatives to identify gaps, unnecessary costs, or underperformance.

2

Strategise

Your financial future requires a roadmap, not guesswork. We create a bespoke contribution and investment plan tailored to your career stage, ensuring you are on track to hit your specific retirement number while maximizing tax efficiency.

3

Manage

Superannuation rules change frequently. We provide annual reviews and proactive management to navigate legislative updates, adjust your strategy as your life evolves, and ensure your wealth remains optimized for the long term.

Our Superannuation Services

Many medical professionals default into funds that do not match their high-income needs or complex financial lives. We provide a comprehensive suite of services designed to help you take control of your super, optimize tax outcomes, and secure your retirement with confidence.

We ensure you are in the best possible product for your goals by:

  • Comparing your current fund against the broader market on fees and performance.

  • Analyzing fund features to ensure they align with your long-term objectives.

  • Identifying "default" options that may not suit your high-income needs.

We provide tailored advice to minimize your tax liability and boost family wealth through:

  • Strategic salary sacrifice arrangements.

  • Personal deductible contributions to manage your taxable income.

  • Spouse splitting strategies to equalize super balances and maximize tax efficiency.

We help you protect your future without impacting your personal cash flow by:

  • Structuring Life and TPD insurance through superannuation.

  • Funding premiums tax-effectively using your super balance.

  • Ensuring you have quality cover that meets "Own Occupation" definitions.

We support your journey to financial freedom by:

  • Managing the seamless transition from the "accumulation" phase to the "pension" phase.

  • Structuring income streams tax-effectively when you decide to reduce your hours or retire.

  • Ensuring your capital lasts throughout your retirement.

We help you make informed decisions about Self-Managed Super Funds by:

  • Determining if the costs, risks, and responsibilities of an SMSF are truly worth the benefits for you.

  • Assessing your suitability based on your balance and investment preferences.

  • Providing honest advice, acknowledging that an SMSF is not the right solution for everyone.