The years immediately preceding retirement are critical in maximising the benefit your superannuation provides in retirement. The correct advice and strategy can really allow you to take advantage of a transition to retirement strategy.

Financial advice isn’t just for preparing for retirement—it’s vital during retirement. The right plan helps your money last, aligns investments with your risk profile, provides tax-effective benefits for loved ones, and ensures estate planning with Les Mumme & Associates.

Your ability to earn an income is critical in ensuring both you and your family are able to have financial security. Whilst determining the correct type and degree of cover is important, the assistance you receive in the event of a claim can make a huge difference.

The correct structure of assets and income can significantly improve your entitlements. Government benefits and entitlements are ever changing and it is important that the advice is dynamic to take advantage of any variations.

Les Mumme & Associates can assist with new mortgages, re-finances of existing mortgages and debt consolidation strategies. We can also assist with Limited Recourse Borrowing Arrangements (LRBA) for Self-Managed Super Funds (SMSF’s) and commercial financing arrangements.

All GESB superannuation funds are specialised products, and as such, it pays to seek specialised advice. Not all Financial Advisers are familiar with the different benefits and features that the GESB products have. Over the past 50 years we have helped hundreds of West Australia’s use the special benefits awarded to the GESB Superannuation scheme to their advantage.

Les Mumme & Associates can assist you with advice and setting up your salary packaging account with your employer and the company (salary packaging bureau) your employer packages through.

Many people are enjoying the freedom of choice and cost savings that come with having your own personal superannuation fund. SMSF’s have the opportunity to invest in alternative asset classes (including property, loans, private equities and direct equities) which regular superannuation funds can’t.

We can assist you to plan, structure and administer your estate planning affairs. By correctly structuring your affairs you can be sure that your estate will be administered in a straight forward, tax effective manner in line with your wishes.

In 2015 there were some large alterations to the list of complying funds. This has resulted in many traditional superannuation funds being classed as ‘non-complying’. We are pleased to annouce that we are in the positon to arrange UK Pension Transfers to complying Australian Superannuation Funds.