Create the life you want to live

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Be ready for one of the most important times of your life

It is never too early or too late to start planning for your retirement. Macquarie's highly experienced advisers will help you get on the right track.

Our focus is on providing quality advice that is tailored to each client's individual circumstances and goals, supported by outstanding service.

We take the time to gain a deep understanding of your personal goals. Our solutions are based on in-depth economic and market analysis – so you can make informed decisions for the most important time of your life.


Client scenario: Superannuation strategy for retirement

Beth and Craig, both in their early 60s, were planning to retire before they turned 65. They owned their home and a few other properties, but were uncertain whether relying on their property investments for retirement was the best solution.

Retirement planning

The client's journey is about finding a strategy that works for them. They want to build a long-lasting relationship supported by open communication about the activity that is being carried out.

Greg, Wealth Adviser

Meet

Greg, a Macquarie adviser, met the couple to discuss their financial needs and goals. Protecting their capital was important, so Greg created a plan to safeguard their wealth.

Plan

With the advice and guidance of Greg, by selling a percentage of their investments and moving the capital into a self managed superannuation fund (SMSF), the couple were able to accumulate wealth in their SMSF until they retired. They were also able to maximise their super contributions before they turned 65.

Empower

Beth and Craig previously believed that holding onto their property until, or even after, they retired was the most lucrative option. Greg helped them with a financial plan which is helping them to protect and grow their wealth, as they get closer to retirement.

Put the super back in superannuation

Superannuation can become the largest asset you own if managed well. A self managed superannuation fund (SMSF) can help you take control of your accumulating wealth. Macquarie has been servicing SMSFs for over 20 years with technical and investment expertise.

With a wide range of investment classes, Macquarie helps you to create, manage and grow your wealth in one convenient place.


Client scenario: Consolidating super accounts with your family

Samantha was recently promoted to director at her firm. She was earning a much higher income but did not have a plan to make the most of for her growing finances. She wanted a low to medium risk avenue to invest and save her money.

Superannuation strategy for retirement

A self managed super fund is available for up to four members and can be effective in building wealth for families. Not many people are aware of that.

Jeffrey, Senior Wealth Adviser

Meet

Jeffrey, a Macquarie adviser, discovered that Samantha and her husband had separate superannuation accounts. After meeting with both of them to discuss their goals and objectives, Jeffrey suggested combining their super into one SMSF.

Plan

Samantha's husband had a greater appetite for risk. To accommodate both parties, Jeffrey set up two pro-rata accounts with a combination of shares, property, bonds and cash within one fund. This allowed them to see how well they were doing individually and together.

Empower

An SMSF was not something Samantha would have previously considered at her age. With greater flexibility and potential returns, Samantha was comfortable knowing that her finances were working for her.

SuperStream reforms

Macquarie is a leading provider of Self Managed Super Fund (SMSF) services in Australia, with 1 in 4 SMSFs currently using our solutions.

From 1 July 2014, in accordance with the SuperStream reforms, SMSF trustees may be required to receive certain contribution payments and messages electronically.

As part of the SuperStream reforms, employers are required to send super contribution payments and related contribution data electronically to super funds using the new Data and Payments Standard.

From 1 July 2014, in accordance with the SuperStream reforms, certain self managed super fund (SMSF) trustees will be required to receive employer super contribution payments and related messages electronically. The SuperStream reforms seek to provide a consistent and reliable method for sending and receiving super messages electronically, with the aim of reducing administration time for financial services professionals and trustees

Medium to large employers (defined as an employer with 20 or more employees) are required to adopt the standard from 1 July 2014. Small employers will be required to comply from 1 July 2015.

For more information, please visit the ATO website.

The reforms apply to SMSFs if one or more members receive super contributions that is not a related party of the fund.

Trustees should seek advice from their financial services professional or refer to the ATO website to assess whether the reforms apply to their SMSF.

SMSF trustees must ensure their fund has the ability to receive electronic messages and electronic payments associated with employer super contributions from 1 July 2014. The electronic message can be delivered through the use of a message service provider.

A message service provider is a facilitator for the electronic messages that employers send to SMSFs. SMSF trustees may engage a message service provider to receive electronic messages associated with employer contributions on their behalf.

As part of Macquarie's commitment to providing you with the highest level of service, we will be offering all of our Macquarie Cash Management Account (CMA) and Macquarie Consolidator Cash Account clients an electronic message service.  This will be launched as a free feature of the product.

For more information on our electronic message service, please refer to the draft terms and conditions of this service, located in the tools and resources tab.

To utilise our message service provider, SMSF trustees will need to provide their employers with the following information relating to their SMSF:

  • Australian Business Number (ABN)
  • BSB and account number or BPAY details for the payment
  • Macquarie's electronic service address: MACQUARIESMSF.

We have created a simple form for you to complete and send to your employer.

The message service will be launched as a free feature of the product.

Macquarie's electronic service address is: MACQUARIESMSF

An electronic message contains information about super contributions from an employer which may be used for processing contribution payments, account keeping, tax purposes and other SMSF reporting. It may contain:

  • amount of contribution
  • breakdown of contribution (personal, employer etc)
  • payment date
  • payment reference
  • member details
  • employer details
  • super fund details.

You can use Macquarie's electronic service address if you currently hold a Macquarie CMA, Macquarie Consolidator Cash Account or certain other deposit accounts with Macquarie. For a full list of these accounts please contact us on 1800 806 310

For more information, please visit the ATO website or speak with your financial services professional.

As part of the SuperStream reforms, employers are required to send super contribution payments and related contribution data electronically to super funds using the new Data and Payments Standard (the Standard). Medium to large employers (defined as an employer with 20 or more employees) are required to adopt the Standard from 1 July 2014. Small employers will be required to comply from 1 July 2015.

We encourage you to familiarise yourself with your obligations under the SuperStream reforms. We have included below several videos and FAQs by the Australian Taxation Office (ATO) to help you understand the SuperStream reforms. For more information, please visit the employer section of the ATO website .

From the ATO

Employer videos:

Employer FAQs:

Macquarie superannuation funds (non-SMSF)

Macquarie-administered superannuation funds, including the Macquarie Superannuation Plan and Macquarie ADF Super, are able to receive SuperStream contributions.

We will continue to accept contributions using existing methods during the transitional period for those employers who have not transitioned to the Standard and are not yet ready to send contributions using an eligible SuperStream method.

  • Medium to large employers: If you have 20 or more employees, SuperStream starts on 1 July 2014. Employers will then have until 30 June 2015 to meet the SuperStream requirements for sending superannuation contributions for your employees.
  • Small employers: If you have 19 or fewer employees, SuperStream applies from 1 July 2015.  Small employers will then have until 30 June 2016 to meet the SuperStream requirements for sending Superannuation contributions for your employees.

Employers or their service providers can obtain the appropriate crediting details (bank details for EFT payments and biller codes for BPAY) from the ATO Fund Validation Service.

Employers or their service providers  will require the following fund information to send contribution information and payments via the Standard:

  • Unique superannuation identifier (USI) and superannuation product name – view a list of USIs for Macquarie product:
    • Macquarie Super Manager - 65508799106031
    • Macquarie Super Accumulator - 65508799106041
    • SuperOptions Super Plan - 65508799106063
    • Macquarie Super Consolidator - 65508799106172
    • Macquarie ADF Super/Rollover Plan - 68073150096065
    • FutureWise Super Insurance - 65508799106108
    • Macquarie Life Active Super Insurance - 65508799106170
  • Australian business number (ABN)
  • Bank account details
  • Electronic service address.

Employers or their service providers can use the USI to assist with identifying the individual super product on the ATO’s  Fund Validation Service in order to obtain the crediting details for that super product. Please refer to the ATO resources on this page for more information.

Please note our existing direct debit, direct credit (direct deposit facility) and BPAY payment options for employer contributions are not eligible SuperStream contribution formats. However, we will continue to offer  existing contribution methods for employers to  meet Superannuation Guarantee (SG) obligations while they  preparing to upgrade to an eligible SuperStream method.

We recommend employers transition to a SuperStream compliant method as soon as practical (as outlined in the previous section ‘Sending contributions under the new Standard’).

Meeting SuperStream standards 

The ATO has advised employers have several options for meeting the Standard for contributions, such as:

  • upgrading payroll software
  • using an outsourced payroll or other service provider
  • using a commercial clearing house.

Please view the ATO’s Prepare now for SuperStream flyer for a summary of what you need to do.

If you have any questions regarding how to make employer contributions to Macquarie superannuation accounts, please contact the Macquarie super hotline on 1800 801 651.


Take the first step to planning your financial future


Before meeting a financial adviser
Planning for your future doesn’t have to be a daunting experience. To begin with, think about your short, medium and long-term lifestyle and financial goals, and collate information that relates to your existing financial position.
I'm ready. What's next?
To discuss your financial future, book an obligation-free first consultation.

Macquarie advisers across Australia

Welcome to Macquarie – Sydney

Global expertise, local service

Everything we do at Macquarie is done with a focus on delivering quality advice and outstanding service to our clients. We have an expert team of advisers, researchers, analysts and technical specialists who share information and insights, so that every client across the country has access to the best Macquarie has to offer.

Macquarie's Shelley Street office, a 6 Star Green Star rated building, has a dedicated team of professionals working across wealth management, superannuation, retirement planning, insurance and investing.

Get in touch with us for an obligation-free first consultation.

Our main focus is providing quality financial advice to our clients to help them achieve their individual goals. We take a strategic approach to the advice we provide and a consistent approach to the service we offer. We care about the big things and the little things.

Chris, State Manager

Welcome to Macquarie – Manly, Sydney

Global expertise, local service

Everything we do at Macquarie is done with a focus on delivering quality advice and outstanding service to our clients. We have an expert team of advisers, researchers, analysts and technical specialists who share information and insights, so that every client across the country has access to the best Macquarie has to offer.

Macquarie's Manly team are dedicated supporters of the local community, and take a keen interest in getting the best financial results for clients.

Get in touch with us for an obligation-free first consultation.

For us, quality advice means great relationships, discipline, and good results for our clients.

David, Senior Investment Adviser

Welcome to Macquarie – Canberra

Global expertise, local service

Everything we do at Macquarie is done with a focus on delivering quality advice and outstanding service to our clients. We have an expert team of advisers, researchers, analysts and technical specialists who share information and insights, so that every client across the country has access to the best Macquarie has to offer.

Macquarie's Canberra office has a highly experienced team that is well-regarded in the community and industry. Working across strategic financial planning and full-service stockbroking, the team applies its deep understanding of the local community to its solutions.

Get in touch with us for an obligation-free first consultation.

We believe passionately in the importance of high quality financial advice that enables Australians to better manage their wealth, giving them financial security now and into the future.

Stephen, State Manager

Welcome to Macquarie – Melbourne

Global expertise, local service

Everything we do at Macquarie is done with a focus on delivering quality advice and outstanding service to our clients. We have an expert team of advisers, researchers, analysts and technical specialists who share information and insights, so that every client across the country has access to the best Macquarie has to offer.

Macquarie's Melbourne team are dedicated supporters of the local community and charities. Our advisers take a keen interest in providing quality advice designed to help clients reach their financial goals.

Get in touch with us for an obligation-free first consultation.

Welcome to Macquarie – Brisbane

Global expertise, local service

Everything we do at Macquarie is done with a focus on delivering quality advice and outstanding service to our clients. We have an expert team of advisers, researchers, analysts and technical specialists who share information and insights, so that every client across the country has access to the best Macquarie has to offer.

Macquarie's Brisbane office has a dedicated team of professionals working across wealth management, superannuation, retirement planning, insurance and investing. Brisbane's advisers are committed supporters of the local community and volunteer with local charities.

Get in touch with us for an obligation-free first consultation.

In our business, we strive for the highest standard of advice for our clients.

Steve, State Manager

Welcome to Macquarie – Broadbeach

Global expertise, local service

Everything we do at Macquarie is done with a focus on delivering quality advice and outstanding service to our clients. We have an expert team of advisers, researchers, analysts and technical specialists who share information and insights, so that every client across the country has access to the best Macquarie has to offer.

Macquarie's Broadbeach office has a dedicated team of professionals working across wealth management, super, retirement planning, insurance and investing. Our advisers are enthusiastic supporters of the local community and volunteer with local charities.

Get in touch with us for an obligation-free first consultation.

Welcome to Macquarie – Perth

Global expertise, local service

Everything we do at Macquarie is done with a focus on delivering quality advice and outstanding service to our clients. We have an expert team of advisers, researchers, analysts and technical specialists who share information and insights, so that every client across the country has access to the best Macquarie has to offer.

Macquarie's Perth office has a dedicated team of professionals providing holistic solutions for wealth management across financial strategy, super, retirement planning, insurance and investing. Our advisers are committed supporters of the community and volunteer with local charities.

Get in touch with us for an obligation-free first consultation.

Welcome to Macquarie – Adelaide

Global expertise, local service

Everything we do at Macquarie is done with a focus on delivering quality advice and outstanding service to our clients. We have an expert team of advisers, researchers, analysts and technical specialists who share information and insights, so that every client across the country has access to the best Macquarie has to offer.

Macquarie's Adelaide team works together to make sure clients receive a high level of professionalism and care. Our advisers are dedicated supporters of the community and volunteer with local charities.

Get in touch with us for an obligation-free first consultation.

We want what you want. That’s the level of personalised service we aim to offer all of our clients. At the end of the day, only our clients can tell us that we have surpassed the level of quality they expect from us.

Kieran, State Manager

Macquarie Vision

A smarter perspective on your wealth

At Macquarie we believe getting the right perspective on your wealth is critical to your future success. Macquarie Vision is designed to give you that perspective by bringing together your investments in a single, integrated digital experience and providing you with the tools to make the most of your opportunities.

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