Page 2 - PSK Financial Services - Super Checklist
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Super is an investment for your future.  A PSK financial adviser can
           help you to understand your company benefit, how you can grow
           your balance and how best to manage this asset for your retirement.
           PSK can assist you with super housekeeping basics, accumulation
           strategies and transition to retirement planning.




                    Nominate a beneficiary                         Ensure your fund has your details

            A beneficiary is a person/s you nominate to receive   Maintaining current contact details on your account
            your super benefits (death benefit) if you die. Without  ensures you will always receive important updates
            a beneficiary, your fund Trustee makes this decision;   regarding your super and insurance updates
            payment of benefits is also slowed.               ongoing.



                  Consolidate your super                           Features & benefits
            Consider consolidating all your super accounts    Check if your fund offers a range of discounts on
            into one fund to save fees and keep track of your   financial and lifestyle products. Do you know how
            balance. Check exit fees and insurance cover which   to access these benefits? Family Member Accounts
            may discontinue and cannot be replicated before   may
            consolidating.                                    also be available.


                  Investment strategy                              Contribute to super

            Is your fund’s default investment option the right   Will relying on your employer’s super guarantee
            one to help you achieve your financial goals? Are   contributions provide sufficient funds to achieve
            you aware of other options available via your fund’s   your retirement goals? You can make additional
            investment menu?                                  contributions to super – note limits apply. Seek
                                                              professional guidance and understand potential tax
                                                              implications first.
                  Check your insurance

            Insurance provides a contingency plan to protect      PSK can help you to grow your
            you and your family against financial hardship and      investments, protect your assets
            stress should the unexpected occur. Is your existing      and provide surety of income in
            insurance adequate for your needs?
                                                                  retirement, regardless of your
                                                                  chosen superannuation product.






               For further assistance contact:


               Jo O’Brien                                     Nick Fraietta
               Corporate Consultant                           Senior Partner & Financial Adviser
               02 9324 8847 | 0407 529 093                    02 9324 8807 | 0417 238 363
               jo.obrien@psk.com.au                           nickf@psk.com.au
               PSK Financial Services Lv 6, 44 Market St, Sydney NSW 2000
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