Superannuation
Clear directions for your superannuation.
Superannuation is often one of the largest assets a person holds, but it does not automatically form part of your estate. Instead, it is managed by the fund trustee, who determines how benefits are distributed unless a valid Binding Death Benefit Nomination is in place.
Without clear and current nominations, your super may not be paid to the person you intended. This can lead to delays, disputes, or outcomes that do not reflect your wishes.
We help ensure your superannuation arrangements align with your broader estate plan, giving you confidence that your benefits will be distributed as intended and without unnecessary complication.
What does a Binding Death Benefit Nomination do?
Directs your benefit to chosen beneficiaries
Requires the trustee to follow your instructions
Reduces delays and uncertainty
Helps prevent disputes
- Acts as a “Will” for your superannuation
- Can direct your Super Fund to pay your superannuation into your estate
A society grows great when people plant trees in whose shade they shall never sit.
life insurance
Decide today. Secure tomorrow.
Life insurance can provide essential financial support to your loved ones, but how and when benefits are paid depends on how the policy is structured.
Policies held within superannuation are subject to trustee discretion and nomination requirements, while policies held outside super are generally paid directly to nominated beneficiaries.
Understanding these differences is critical to ensuring your benefits are distributed efficiently and in line with your intentions. We assist in reviewing your arrangements and ensuring they are properly structured as part of your overall estate planning strategy.
What should you consider?
- Where the policy is held
- Whether nominations are valid
- How benefits will be distributed
- Alignment with your estate plan
- Potential for delay or dispute
- Whether your coverage is sufficient to meet future financial needs
Other tasks we can help with
Wills
Has your family or assets situation changed? Whether you have recently married, separated, or welcomed new family members, it’s essential your Will reflects your current circumstances. We provide tailored advice and prepare Wills that are crafted to your needs.
Testamentary Trust Will
Do you want to safeguard your beneficiaries and ensure your legacy is protected for generations to come? We can help with Testamentary Trusts tailored to your unique family and financial circumstances.
Succession planning advice
Succession planning advice beyond wills and enduring powers of attorney, ensuring your wishes are protected, your loved ones are provided for, and your affairs are managed with clarity and confidence.
Life continuity support
Has your spouse passed away? We assist with superannuation and life insurance claims, survivorship applications, estate administration, and provide clear guidance on your entitlements.