At Armstrong Financial Planning we work with you along the way on life’s journey. In planning to enjoy your years after work, we can help.

Maximise your super fund and secure a strong financial future.

-David Armstrong-

We Manage Superannuation of All Sizes

For most of us, super will probably be the largest and most important long-term investment you’ll ever hold. Unfortunately, many people don’t give it much thought until it’s too late. And with average life expectancies increasing every year, it means your super has to last you even longer. So regardless of how far off retirement is for you, getting some expert advice now will help make sure you can afford to live comfortably throughout your post-working life.

Getting Started

It’s no secret that superannuation may be one of the biggest investments you make in your lifetime. And yet, do you really know where your super is and how it can be used to help you create your dream financial future?

Life often gets in the way of even the best laid financial plans and ensuring your super is optimised for your unique financial situation may fall to the bottom of the priority list.

After all, who wants to worry about their super when it’s a long time until you’ll be able to access it?

With a team of expert superannuation advisors in your corner, you’ll never have to worry about your super again. That’s where we come in.

As financial and wealth management experts, our team is here to provide you with superannuation advice and services that will help you to make the most of this key element of your financial plan.

Getting your super sorted doesn’t have to be overwhelming.

Our team of professional financial advisors are here to make sure that your super is structured in a way that helps you create your dream financial future.

And do you want to know the best part? All you have to do to get started is get in touch.

Why It Pays to Start Saving Now

When it comes to planning for long-term goals, like retirement, unfortunately many people put off doing something now. However, if you’re prepared to start investing early, time can be a powerful ally.

This is because year after year, the money you invest has the potential to earn more money. And if you re-invest earnings, you’ll have even more in the future. This is known as compounding and it’s what Albert Einstein called the eighth wonder of the world.

For example, if you invested $50,000 today, earned 7% per annum and re-invested your earnings, in 20 years you’d have around $200,000 (before tax). But, if you waited ten years before making the same investment, in 20 years from now, you’d only have around $100,000.

That’s an extra $100,000, or double the amount, simply by investing ten years earlier.

Superannuation is purpose-built for compounding, because by its very nature you’re unable to access your investment earnings until later in life. This means any earnings are automatically reinvested year after year.

To maximise the results, you may want to gradually increase your contributions now, to capture the compounding effect over time.

Armstrong Financial Planning can help you by taking you through other strategies where you can make a small change today, to result in a big difference down the track.

Reduce Your Super Fees Per Account

How many different superannuation statements did you receive this year? If you ended up with several envelopes piling up at home you may be paying more than your fair share of fees, eating into your retirement savings.

If this sounds like you, you’re not alone. It’s estimated that one in two Australians aren’t making the most of their hard-earned retirement savings due to holding multiple super accounts.

According to a CHOICE research report1, multiple super accounts are costing Australians $1 billion a year in wasted fees.

This is because depending on the type of fund your super is held in, you may be paying between $30 and $340 in fees per account1.

Armstrong Financial Planning can help you consolidate your super accounts.

We can also help you find your lost super.

To find out other simple tips to make the most of your money, please contact us.

Use Super to Save on Insurance

If insurance is low on your shopping list, don’t worry you’re not the only one.

Many people give personal insurance a low priority because we don’t think we need it. However, strangely, we insure our cars or our homes without a second thought!

Well the good news is that personal insurance can be very tax effective.

Armstrong Financial Planning can make sure you can take care of your loved ones, and make sure that if something does happen to you, their future is secure.

What Types of Insurance Are Available through Super?

Life and Total and Permanent Disability (TPD) insurance pays a lump sum and goes a long way to looking after those you’d leave behind if you died or were seriously injured. It works by paying out a lump sum in the event of your death or serious injury to help care for your loved ones or pay medical bills.

Income Protection insurance is designed to provide you with a monthly income protection benefit of up to 75% of your earnings in the event you are unable to work due to sickness or injury.
Tax-effective insurance

By having your insurance through your super fund, you’re likely to find your premiums cost less as tax concessions apply.

To find out other simple tips to make the most of your money, please contact ArmstrongFinancial Planning.
1. The Super Secret Report, CHOICE, November 2006.

"David is professional and has a easy method of explaining complex matters. We trust David 100%."

John & Rita

"We have been with David for many years looking after our investments and has always been there when we needed him. Would have no hesitation in recommending David."

Jim & Annette

"Usual common sense approach by David. Very honest and supportive. Happy to recommend"

Peter Kale

"Mr Armstrong has the ability to impart his knowledge which is easy to understand. He is patient and explains financial information which is easily understood. He is professional and business like in his approach when dealing with clients."

John & Maria Gandey

"Known David Armstrong for many years now and he has always done his best for our needs and lifestyle. "

Palom and Rod

"Always is professional and provides information and investment that suit my needs ."

Bruce Richards

"David has provided advice for me with regard to Super, Insurance and Investments. His experience and professionalism provide me with a great deal of comfort. He has always been available when i have needed him and I have always felt that he has my best interest in mind with all advice he presents. He is not the kind of advisor who will make you feel pressured to take up something that you are uncomfortable with, but rather he takes the time to make sure you understand and are comfortable with his recommendations. I have no hesitation is recommending David and his team to my Family and Friends."

Josh Richards

"David is very clear and knowledgeable with his information."

Darren Craig

"David has always been very professional in assessing our needs and the way forward. We feel very comfortable in trusting his advice and assessment of strategies for our future retirement We would have no hesitation and referring David to others for their financial planning needs."

Les & Jacqui Martin

"I feel very comfortable with David managing my funds and advising me about various issues to do with my retirement fund."

Val Harvey

"David has managed my retirement fund successfully for 16 years ; I couldn't be happier with the result today and would recommend him to everyone."

Noela B

"It is important to gain the right advice for tax effective strategies and investments. David has been very helpful and personable in his approach."

Mark Hopkins

"I have been with David since he first started in his capacity as an NAB financial advisor and would not hesitate to recommend him to any of my friends who wanted someone reliable to manage their retirement funds."

John & Shirley

"David has provided me with excellent service for more than 12 years; both pre and post retirement."

Digby Ellis

"We are very fortunate to have David Armstrong looking after our Super."

Edward & Thelma

"Extremely professional and knowledgeable in all aspects of his advice and guidance. "

Ray & Carolyne Mulholland

"David is always very helpful, explains situations clearly and usually helps me to feel positive about my investment strategy. Giving me his undivided attention for the duration of the visit is always a plus."

Colin Tait