Although Self-Managed Superannuation Funds (SMSFs) have received a lot of attention recently, they are not necessarily suitable for everyone. At Sapient any financial advice that we provide is general in nature only ("general advice"). Any product information provided is for clients to decide on the best structure that’s right for them. In many cases it is more beneficial for clients to hold a retail superannuation account rather than an SMSF.

There are a range of superannuation options that provide investors with the flexibility to choose the individual shares, managed funds and investments inside their super without the costs of establishing an SMSF.

However if you are wanting to take more control of your superannuation investments, consolidate your balances into one account, take out insurance in your superannuation, or are wanting to know when and how you can access your super, then we can help with our general advice and product information within superannuation.

We can provide general advice and product information on:

• When you can access your super
• What age limits apply
• How you can access your super (conditions of release)
• Pensions, Transition to Retirement Pensions and Lump Sums
• Life Insurance
• Total and Permanent Disability Insurance
• Trauma Insurance
• Income Protection Insurance
• Consolidating your superannuation accounts into one account
• Finding lost super
• Investment product information