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.
Heinrich Jacobs
Senior Financial Adviser
Heinrich is the Managing Director of Lightbulb Wealth Management and is responsible for leading the firm to execute its strategic objectives, while ensuring the firm’s high standards of client care are maintained.
Heinrich specialises in providing comprehensive advice to a wide range of clients, from affluent and high net wealth individuals and their families, executives, business owners, athletes, non-for-profit organisations, retail clients, through to self-funded retirees.
Heinrich assists his clients with a range of financial planning, investment and advisory services including investment selection, asset allocation, portfolio management and reviews, estate planning, trust advice, residential and commercial lending, and superannuation strategies including self-managed superannuation establishment advice and administration services.
Before founding Lightbulb, Heinrich held a number of corporate management positions at the ANZ Bank and Suncorp Bank. At ANZ, Heinrich led and managed teams working across the retail, affluent, and institutional business segments of the bank with a focus on leading teams and providing strategic advice to clients with a focus on their wealth management, lending, investment, and cross border transactional banking requirements.
Heinrich is passionate about helping Australians grow and protect their wealth and is a strong advocate for advice and improving the client experience. He regularly speaks at industry forums including CPA chapter events.
Heinrich holds a Master of Business Administration (MBA) from Southern Cross University, a Post Graduate Certificate in Management (Distinction) from the Australian Institute of Management, and an Advanced Diploma of Financial Planning.
Heinrich is a licensed Financial Planner AFP® and member of the Financial Planning Association of Australia, and a member of the Finance Brokers Association of Australia.
Outside of work, Heinrich enjoys spending time with his family. He is a former semi-pro tennis player with his claim to temporary fame being a straight sets loss against the former world number 3 and current coach of Roger Federer; Ivan Ljubicic.
Heinrich Jacobs is an authorised representative (1241405) of Lightbulb Financial Management Pty Ltd (AFSL 542662). Heinrich is also an authorised credit representative (475174) of Beagle Finance Pty Ltd (ACL 383640).
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