Superannuation
Most people think of superannuation as a tax-favoured way of saving for your retirement. For employees, it is compulsory. For self-employed people, it is optional. For everybody, it is a great idea.
But superannuation is about more than retirement planning. It is actually a cornerstone of most people’s financial plan. This is because ‘super’ touches every other aspect of your financial planning. The way you manage your super impacts on how you manage your insurances, your other investments, your tax planning, your retirement planning, your marriage, your divorce, how and when you might help your adult kids out financially, your estate planning and even how you repay your own mortgage.
It is super by name and even more super by nature.
There are several types of super funds, such as retail funds, industry funds, corporate funds and self-managed superannuation funds. Different clients are suited to one or more of these types, and sometimes it makes sense to use more than one type in combination. We help you select the appropriate type of fund. We then help you make best use of whichever option you take. This is important because super can and should be incorporated into your thinking about everything to do with your finances.
If you decide to manage your own super (a ‘self-managed super fund,’ or SMSF), we assist with all facets of establishing and maintaining this fund. This includes liaising with external legal professionals to facilitate the production of all documents needed to start, and our advice on the assets you hold within the fund.
Max Reinhardt
Financial and Mortgage Adviser
Max started in the finance and lending industry in 2000 and specifically financial advice in 2004 after attaining a Bachelor of Economics Honours degree at The University of Sussex, UK before settling in Australia later that year.
Max has never stopped studying as he is always looking at ways he can better assist his clients and has studied many courses in financial advice, lending and technical analysis as he continues to try and stay ahead of his competitors in terms of the knowledge he can share with his clients.
Max has quite a unique philosophy when it comes to investing as he believes the best thing about the market is that you don’t always have to be in it. Contrary to popular belief, his methods have shown that “timing” the market can result in far better results than just “time in” the market.
This has been evidenced with over 100 years of study on the Dow Jones, which has data available dating back to 1910. He has beaten markets significantly during corrections such as the GFC and Covid crash obtaining significant positive returns, whilst markets have fallen between 40-55% approximately. His Facebook page shows a call for the Covid crash 6 months in advance and clients were able to beat the market by circa 85%.
Of course such opportunities do not occur every day, but being able to form read a market does give him an edge over his competitors. His vast technical analysis study and skills can predominantly be credited to the works of W.D. Gann. He is also not afraid to utilise more modern techniques with the assistance of Artificial Intelligence to give him an even bigger advantage.
Max Reinhardt is an authorised representative (301999) of Finchley & Kent Pty Ltd (ABN 50 673 291 079) (AFSL 555169).
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