Are you taking a break from work? Maybe you’re taking time out to raise children, or to care for someone, or just taking a career break? Whatever your reason, you’re probably aware of the financial impact in terms of lost salary, but have you considered the potential long-term impact on your super pay out?To build for your retirement and help catch up on any missed contributions while you’re not working, consider:

• putting extra money into your super with after-tax contributions
• making salary sacrifice contributions into super once you’re back at work
• taking advantage of the Government Co-Contribution
• using spouse contributions to top up your super
• meeting with a financial planner like Health Super Financial Planning to gain expert advice.

Where can I get financial advice?

As a member you have access to a qualified financial planner at a reduced rate through Health Super Financial Planning. To start your retirement planning and/or to consider your future years call Health Super Financial Planning on 1300 780 223.

Health Super Financial Services Pty Ltd ABN 37 096 452 318, AFSL 240019 trading as Health Super Financial Planning (HSFP) is wholly owned by the FSS Trustee Corporation ABN 11 118 202 672 AFSL 293340 Trustee of the First State Superannuation Scheme ABN 53 226 460 365.
The Trustee pays HSFP half of the annual 1% account-keeping fee collected on all Health Super Account Based Pensions. The Trustee also pays a variable monthly amount (calculated on a cost recovery basis) to HSFP to conduct member seminar programs. The Trustee is not a representative of HSFP and receives no commissions when making referrals to this service. To obtain further information about the services provided by HSFP, contact HSFP direct by telephoning 1300 780 223. Alternatively, visit  HSFP’s website at hsfp.com.au