Where do you see yourself in retirement? Superannuation and self-managed super funds can be complex. We can help you better understand contributions, pensions and all your superannuation needs by providing you with the service and advice you need to feel secure.

Many moons ago Superannuation was simply a voluntary savings plan. The problem with this is while it's great to look to the future, many of us like to live in the moment; so much so that the Government became concerned about those of us who like to live life on the edge, and in 1992 made Superannuation contributions mandatory.

Nowadays, it is an accepted part of our working lives, with Super taking up to 10% of your salary package.

Generally, employers are required by law to pay Super contributions of at least 9.5% of your annual salary into your Super account. In most cases you can't withdraw you Super until you reach the appropriate age (this differs depending on your birthdate). This is intended to help you in your retirement, but this amount may not cover you for all you need.

This is why the Government encourages you to take responsibility for reaching your financial retirement goals. Do you know what they are? Where do you see yourself in retirement? And what is the right amount of contributions you should be making based on this? Speaking to one of our advisers will help.

Self Managed Superannuation Funds (SMSF)

A SMSF enables you to take a little more control of your retirement savings plan by actively making smart choices in consultation with an adviser. At West Carr & Harvey we are experts in SMSFs and can assist in establishing and managing a SMSF to assist you to reach your financial retirement goals.

The benefits of a SMSF include the ability to manage tax, make your own investment choices and control administration costs. Because Superannuation law is complex, personalised planning is required for each indvidual.

West Carr & Harvey have a large Self Managed Superannuation (SMSF) practice. We can guide you through the process by assisting with the following:

  • Setting up a Self Managed Superannuation Fund
  • Contribution strategies
  • Pension strategies
  • Asset allocation advice


Contact details:

West Carr & Harvey
East 13, Federal Mills Park
33 Mackey Street, North Geelong
PO Box 216
Geelong, VIC 3220
t. 03 5222 4522 f. 03 5221 3287
Contact us for more information.


West Carr & Harvey Pty Ltd (ASIC No.1237376) ABN 91 146 034 269 is a Corporate Authorised
Representative of

Merit Wealth Pty Ltd
ABN 89 125 557 002 (AFSL409361)

Level 15, 115 Pitt Street,

Sydney NSW 2000

Tel 1300 785 611

Fax 02 8916 4294

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Disclaimer: The material on this page has been prepared by West Carr & Harvey. None of this material is or should
be regarded as advice. This information has been given in good faith and has where applicable been derived from sources believed to be accurate at time of publication. However, it should not be considered a comprehensive statement on any matter nor relied upon as such. Accordingly, no person should rely on any of this publication without obtaining specific advice from one of the Directors of West Carr & Harvey. West Carr & Harvey accepts no responsibility for any person who acts or relies in any way on any material without obtaining such advice.

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