Personal Superannuation Services in Oakleigh

Looking for help with your Superannuation in Oakleigh?

Look no further than Mint Financial Solutions. We offer straightforward accounting, taxation, and bookkeeping services that will you make smart decisions with your money. We are experts in our field, and take the time to understand your needs, constraints, and values so you can achieve financial security.

  • Contributions Advice

  • Tax Effecient Super

  • SMSF

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Making sense superannuation

Superannuation funds have a lot of rules and are hard to understand. Our experienced team will look at your unique situation and help you understand your responsibilities, as well as the rules and laws that govern the right super structure for you.

We'll keep you up to date on the latest changes to the laws that affect your retirement savings. Mint Financial Solutions can also help you come up with a customised plan for your super fund that will help you get the best results possible.

Superannuation Advice

With so many choices for superannuation, we can help you come up with the best plan to make sure you get the most out of it.

We can help you choose the right retirement plan so that you can get the most out of it. Mint Financial Solutions can also help you make a customised retirement plan that gives you the peace of mind that you'll have more than enough money when you retire.

Retirement and Pension Advice

Also, Mint Financial Solutions can help you make a personalised plan for retirement that will give you peace of mind that you'll be able to live comfortably in your golden years.

Let us help you find your way through the complicated financial options for retirement so that you can live comfortably in your golden years.

General Advice and Compliance

General Information Regarding Fund Administration. We are available to answer any general SMSF questions you may have. General SIS Act and SIS Regulations Compliance Assuring that your annual fund audit is completed and submitted on time, and that you can pass the SMSF "sole purpose" test.

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Tax Returns

Superannuation Advice Professional Super Support in Oakleigh East

You might think of your super as part of your salary that you can't touch. But remember that it's your money and will only be kept until you retire. The main purpose of superannuation is to help you build up a nest egg that you can use to make money when you retire (or semi-retirement).

Tax Effective Super

How Tax Effective is Super? Most people can save much more if they save through their super than if they save the same amount outside of super. First of all, your employer's contributions (up to a certain limit) and any returns on your retirement savings are taxed at a maximum of 15% instead of your marginal tax rate, which could be as high as 46.50%.

Super Flexiblity

With more strategies and ways to reach your retirement goals, your pension is becoming more flexible:

  • The co-contribution scheme is a way for the government to help people with low to middle incomes save more for retirement.
  • You can pay less tax if you make concessional contributions.
  • With a transition to retirement strategy, you can still work full time or part time after your preservation age, take out up to 10% of your super, and still be able to put money into your super.
  • Self-managed super funds give you even more control over your retirement savings.

Contributions Advice

When money is put into a pension plan, this is called a "contribution." There are donations that are made before taxes are taken out and donations that are made after taxes are taken out. Both ways of giving can be accepted (non-concessional contributions).
Contributions that don't have to be taxed yet are called "concessional contributions." These contributions are taxed at 15% (30% if you make more than $300,000 per year), which may be a lot less than your marginal tax rate. Contributions that don't qualify for a tax break aren't taxed in any way.
There are limits on both types of contributions, some of which change based on the age of the person making the contribution.

Why Choose Mint Financial

Our Superannuation Division's primary objective is to give you with straightforward and cutting-edge solutions that enable you to make the best decision for your self-managed super fund (SMSF). Our devoted team of SMSF accountants and superannuation services experts give comprehensive advise on the tax benefits of superannuation and will assist you with every aspect of your SMSF.

SMSFs are a common substitute for conventional superannuation funds. One of the primary reasons for establishing these DIY funds is the desire for greater investment control and flexibility. SMSFs are customised vehicles for asset building and succession that can provide tax-efficient income streams to retirees. They have a low tax rate of up to 15%, giving investors and company owners with considerable financial incentives to take a more active role in preparing for retirement. While establishing an SMSF might be relatively straightforward, managing ongoing compliance and regulatory duties needs extensive knowledge and expert superannuation guidance.

Through our superannuation services, Mint Financial can give expert guidance to assist you efficiently manage compliance expenses and move forwards. However, SMSFs are not for everyone and should only be explored when the size of the fund is suitable. Please let us know if you require any additional information regarding the possibility of its utility for you. Today, speak with one of our SMSF accountants in Oakleigh. Please note that in certain cases, qualified financial planner expertise may be necessary, which we may arrange.

Improving Your Superannuation

Over two thirds of Australians say they wish they could retire to a better way of life than they do now. This shows that more needs to be done. So, it's in your best interest to start saving for retirement as soon as you can. The Lost Super Report found that about three-quarters of people have said they wish they had taken better care of their superpowers when they were younger.

Superannuation Growth

When compared to other ways to invest, getting help with your superannuation could lead to a lot of growth and a lot of tax breaks. Depending on how old you are and how much money you have, you may not have to pay tax on them.

We are not connected to any banks or companies that offer retirement services. Our team of skilled superannuation consultants in Oakleigh can give you personalised advice about your retirement savings. We care more about your own financial goals than about how much money the bank makes.

We know more about financial planning than anyone else, and our goal is to help you reach your financial goals. Mint Financial Solutions can help you take care of your assets, get a better handle on your budget, get better financial advice, and take care of your retirement plans.

Full range of superannuation offerings

At Mint Financial, our experienced team will look at your unique situation and help you understand your responsibilities, as well as the rules and laws that govern how a superannuation should work. We'll keep you up to date on the latest changes to the laws that affect your retirement savings. We can also help you create custom SMSF strategies that will help you get the best results for the fund.

SMSF Compliance

It comes as no surprise that Self-Managed Super Funds (SMSFs) are Australia's fastest-growing investment vehicle, given the effective tax rates and improved control over assets and investment options. In order for an SMSF to obtain these benefits, it must adhere with the applicable laws and regulations. In addition, there is a substantial administrative burden associated with reviewing documents, monitoring contributions, preparing reports, and organising an annual audit, all of which can distract you from what's most important: managing the accumulation of wealth for the retirement benefit of members.

Our client-centric superannuation team can alleviate the burden of compliance and daily administration. By monitoring and reporting on the SMSFs of our clients on a regular basis, we are better equipped to discover compliance issues or potential violations regarding contributions and other legislative difficulties. In addition, our superannuation team collaborates closely with our Wealth Advisory division to provide you with immediate access to financial advice.

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See what our clients say about our Financial, Accounting & Lending services

Nash Nwz
Nash Nwz
09:31 20 May 22
Hishan and team were great to deal with. They provided us with a thorough review of our options and got us the best deal for our situation making the whole process simple and easy. I highly recommend their services.
Anne Gartshore
Anne Gartshore
01:08 25 Mar 22
We have been dealing with Hishan and his team for over a year now with our superannuation and planning advice. Very happy with the path that they recommended to us and the performance in the past year, especially during such a trying time globally. Would not hesitate to recommend.
Babak Bozorgy
Babak Bozorgy
21:09 12 Oct 21
Professional service, friendly and quick to respond. Highly recommended!Thanks guys, keep up the good work!
Tom Sharp
Tom Sharp
05:06 07 Oct 21
A million thanks to Mint Financial Solutions in resolving the issues withCentrelink having cancelled the Age Pension Payment and Benefits for over 15+ weeks, actually last payment was early June. Next Payment received 4th October due to the professionalism at Mint Financial Solutions. Thanks to the Team at MFS from Rhonda & Tom Sharp : it good to know that MFS know how to do it better than any.
Mike oppedisano
Mike oppedisano
07:07 21 Aug 21
We have been clients of Mint Financial Solutions for the last twelve months; The team is very professional and friendly in their approach to us the customer, with lots of knowledge and experience. They helped us make an informed decision with our investment. At that time, we were not sure what we were going to do with our money.The plan laid out by Hishan and his team clearly set goals and rewards. These have been proven and very beneficial over the last twelve months. The growth was even more than what was predicted.We are especially happy with Hishan, Marlon and the rest of the Mint Financial Solutions team and very grateful for their help. More people should be made aware of the expertise and assistance they could provide.
Wolfgang Doehnert
Wolfgang Doehnert
03:51 18 Aug 21
In the 12 months this Company was engaged to continue as our financial advisors we have been extremely satisfied with their performance financially and in quality of service. Our unusual needs and fast response was met. The team and I say team because if someone is away there has always been another person to actively respond in a timely manner. Well done to the frontline staff and in particular, the back office staff, for their help and support during these COVID times.
Nishan Joseph
Nishan Joseph
01:16 22 Apr 21
I have been using the services of Mint Financial Solutions since its inception, and I am truly grateful and appreciative of the professionalism and care they take when recommending services to me, only providing what is reasonable and relevant to my situation and circumstances. A key stand out on the team is Crystal Nguyen who has been helping me over the last few years in order to get approved for a refinance application. Her patience, dedication and level of professionalism is beyond remarkable, I am extremely appreciative of the hard work she has put in for my case, despite many setbacks we finally got there in the end. Thank you very much Crystal.
Kaye Baynes
Kaye Baynes
07:38 10 Mar 21
Hishan and his team have always given the best service and advice always available and nothing is to much trouble .
Ramesh Navaratne
Ramesh Navaratne
22:55 27 Jan 20
I started a conversation with Marlon at Mint Financial services over 8 years back and since then he had assisted me in many insurance related and investment related transitions. The advice and the systems put in place by Marlon and the team came in handy when about two years back I had a health and financial issue in the family. Am I glad that he prepared me and gave me the correct advice at that time and if not for Marlon and the team I cannot imagine the sate of my family given commercial stability defines all other day to day problems that you need to deal with. Wish the team all the best and can recommend them highly of the professionalism and excellent service.
Sherone Algama
Sherone Algama
12:50 22 Jan 20
I have received invaluable financial advise and tailored solutions over the past two years from Marlon De Kauwe; and would like to commend on the professionalism & dedicated service i was provided with; which indeed was value for money.Thanks Marlon.Prasad Algama
Shabnam Bozorgi
Shabnam Bozorgi
21:29 09 Oct 19
I have been using their service for years now, their team have manages my tax and home loan, very professional and committed, I couldn't ask for more, always responsive, and can handle complicated cases very well.
Imran Wahid
Imran Wahid
05:57 20 Sep 19
The best place to get financial advice,I am really satisfied with services.I got all from tax return to super annaution and investment all in one office.
Saliya Gunawardena
Saliya Gunawardena
20:27 03 Apr 19
Hishan and the team at Mint Financial Solutions have been amazing to deal with. They helped me refinance and obtain a very competitive interest rate on my mortgages. I highly recommend Mint Financial Solutions, they are professional, committed and can get you the right outcome you seek!
Brent Germain
Brent Germain
05:19 02 Apr 19
Hishan and The Team at Mint Financial Solutions have been brilliant, helping me every step of the way (and keeping me in the loop) in obtaining a homeloan to build my dream home. Very happy with the high level of service and professionalism shown!
Nigel Sewera
Nigel Sewera
03:43 26 Mar 19
Hishan and his team have given me great guidance and honest advice with all Financial matters, most recently with all the help and support they provided with my mortgage.Mint Financial Solutions are always extremely professional and reliable and provide great customer service. I highly recommend them
neela unadkat
neela unadkat
08:18 25 Mar 19
I am a retired banking officer and I have found Hishan Naufal and his team to be extremely efficient prompt and thorough. Very useful and grateful to him and all his team for all the guidance and advise we have been given . They are very upfront and fair with their advise . My whole family seek his expertise and I have recommended Hishan and his company to many of my friends and colleagues who have been grateful for recommending him.Well done Mint financial Solutions keep up the good work 👏😊
Steve P
Steve P
23:42 31 Jan 19
I have had the pleasure of engaging Patrick to assist me in a number of complicated financial matters. He is punctual, efficient and above all else provides excellent service, which has helped me secure my financial future and saved me stress and from a financial standpoint. Give him a call as he is great value.
Avelyn Miranda
Avelyn Miranda
05:18 17 Aug 18
Hishan and his team were excellent from start to finish with my recent property purchase. Mint Financial Solutions have been my financial planners for the last 4 years and I highly recommend them for service and cost.
Don Australia
Don Australia
00:24 06 Jul 18
Thank you Hishan for your never ending support the past 2 yrs. Very talented team and extremely fair rates. These guys are definately the go to for any brokering or mortgage needs.
Amal S.Z.
Amal S.Z.
02:32 05 Jul 18
One of the most trust worthy and competent financial adviser I have ever come across. Can always trust Hishan and his team to give sound and honest guidance in all financial matters. Thank you!
Three13 Group
Three13 Group
02:22 05 Jul 18
Thanks Hishan for assisting us with the restructure and land settlement. Good to have a great business partner to count on when the time calls for it.
Ali Kazemi
Ali Kazemi
02:20 05 Jul 18
Hishan and his finance brokerage team have helped me get a mortgage for a property most thought would be too complex to do (using different legal structures). Competent and highly responsive team!
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Mint Financial Solutions FAQ

How much is superannuation in Australia?
The minimum superannuation you must pay for each eligible employee is 10% of their ordinary time earnings (OTE). However, it's scheduled to progressively increase to 12% by 2025. This is called the super guarantee (SG) and is paid at least quarterly.
What is superannuation and how does it work?
Superannuation, or 'super', is money put aside by your employer over your working life for you to live on when you retire from work. Super is important for you, because the more you save, the more money you will have for your retirement.
Is superannuation a good investment?
The most noteworthy benefit of investing in superannuation is its tax-effective environment. Contributions to your super fund are usually taxed at the rate of 15%, going up to 30% if the income and concessional contributions exceed $250,000 for a financial year.
How much can I have in super?
From 1 July 2017, the Government will introduce a 'transfer balance cap' of $1.6 million. This will mean that all individuals will have a maximum amount of benefits which can be held in a pension account and receive concessional income tax treatment.
Can you lose money in super?
All super funds have to charge fees and costs to help run the fund. High fees and costs can erode your super balance. So it's important to understand what fees you are being charged, the services you receive and how they compare in the market.

We'll Secure Your Future Without Sacrificing Your Present By Helping You Plan & Achieve Your Financial Goals

Strategic financial planners that understand what is important to you, and guide getting you to where you want to be. Paying off debt, buying a house, starting a family? or a dream retirement? We can help get you there. Book your free appointment!

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