{"id":131206,"date":"2023-09-07T01:53:25","date_gmt":"2023-09-07T01:53:25","guid":{"rendered":"https:\/\/panoramafs.com.au\/?page_id=131206"},"modified":"2023-10-31T01:49:36","modified_gmt":"2023-10-31T01:49:36","slug":"superannuation","status":"publish","type":"page","link":"https:\/\/panoramafs.com.au\/superannuation\/","title":{"rendered":"Superannuation"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_height_percent=&#8221;20&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;3&#8243; bottom_padding=&#8221;3&#8243; back_color=&#8221;accent&#8221; back_image=&#8221;131261&#8243; overlay_color=&#8221;color-jevc&#8221; overlay_alpha=&#8221;10&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; top_divider=&#8221;gradient&#8221; bottom_divider=&#8221;gradient&#8221; uncode_shortcode_id=&#8221;187316&#8243; back_color_type=&#8221;uncode-palette&#8221; overlay_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;bottom&#8221; gutter_size=&#8221;3&#8243; style=&#8221;dark&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243;][vc_row_inner row_inner_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; shift_y=&#8221;0&#8243; limit_content=&#8221;&#8221;][vc_column_inner column_width_percent=&#8221;100&#8243; gutter_size=&#8221;2&#8243; style=&#8221;dark&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; css_animation=&#8221;alpha-anim&#8221; animation_delay=&#8221;200&#8243; width=&#8221;9\/12&#8243; uncode_shortcode_id=&#8221;127865&#8243;][vc_custom_heading heading_semantic=&#8221;h6&#8243; text_size=&#8221;h6&#8243; text_transform=&#8221;uppercase&#8221; uncode_shortcode_id=&#8221;710037&#8243;]Superannuation[\/vc_custom_heading][vc_custom_heading heading_semantic=&#8221;h1&#8243; text_size=&#8221;h1&#8243; css_animation=&#8221;alpha-anim&#8221; animation_delay=&#8221;200&#8243; uncode_shortcode_id=&#8221;179425&#8243;]Supercharge your future \u2013 Optimise your superannuation for the life you desire.[\/vc_custom_heading][\/vc_column_inner][vc_column_inner width=&#8221;3\/12&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;3&#8243; bottom_padding=&#8221;4&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;1&#8243; top_divider=&#8221;gradient&#8221; bottom_divider=&#8221;gradient&#8221; uncode_shortcode_id=&#8221;903055&#8243;][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;4&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243;][vc_row_inner limit_content=&#8221;&#8221;][vc_column_inner column_width_use_pixel=&#8221;yes&#8221; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;102328&#8243; column_width_pixel=&#8221;1000&#8243;][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;108623&#8243;]Don&#8217;t delay your financial future. Putting your head in the sand won&#8217;t make your superannuation perform better. It&#8217;s time to take action, so let&#8217;s navigate the world of superannuation together, so you can retire with confidence.[\/vc_column_text][vc_separator sep_color=&#8221;color-lxmt&#8221; uncode_shortcode_id=&#8221;101942&#8243; sep_color_type=&#8221;uncode-palette&#8221; el_width=&#8221;200px&#8221; el_height=&#8221;3px&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner limit_content=&#8221;&#8221;][vc_column_inner column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;349428&#8243;][vc_custom_heading text_color=&#8221;accent&#8221; uncode_shortcode_id=&#8221;341024&#8243; text_color_type=&#8221;uncode-palette&#8221;]We&#8217;ll help you work through your super needs in the following areas[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;4&#8243; shift_y=&#8221;0&#8243; limit_content=&#8221;&#8221;][vc_column_inner column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;2&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/4&#8243;][vc_icon icon_image=&#8221;131287&#8243; icon_color=&#8221;accent&#8221; text_size=&#8221;h4&#8243; align=&#8221;left&#8221; title=&#8221;Review &amp; Consolidation&#8221; uncode_shortcode_id=&#8221;162710&#8243; icon_color_type=&#8221;uncode-palette&#8221;]We&#8217;ll streamline your superannuation by conducting a comprehensive review of your existing funds. We&#8217;ll look at consolidating them, reducing fees so we can boost your retirement.[\/vc_icon][\/vc_column_inner][vc_column_inner column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;2&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/4&#8243;][vc_icon icon_image=&#8221;131289&#8243; icon_color=&#8221;accent&#8221; text_size=&#8221;h4&#8243; align=&#8221;left&#8221; title=&#8221;Diversify your Portfolio&#8221; uncode_shortcode_id=&#8221;193086&#8243; icon_color_type=&#8221;uncode-palette&#8221;]Don\u2019t put all your eggs in one basket. Boost your superannuation&#8217;s growth potential by diversifying your investments, reducing risk, and securing your retirement path.[\/vc_icon][\/vc_column_inner][vc_column_inner column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;2&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/4&#8243;][vc_icon icon_image=&#8221;131286&#8243; icon_color=&#8221;accent&#8221; text_size=&#8221;h4&#8243; align=&#8221;left&#8221; title=&#8221;Empowered Decisions&#8221; uncode_shortcode_id=&#8221;117410&#8243; icon_color_type=&#8221;uncode-palette&#8221;]Take control of your superannuation with informed choices, tailored to your financial goals, ensuring a confident and secure retirement.[\/vc_icon][\/vc_column_inner][vc_column_inner column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;2&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/4&#8243;][vc_icon icon_image=&#8221;131288&#8243; icon_color=&#8221;accent&#8221; text_size=&#8221;h4&#8243; align=&#8221;left&#8221; title=&#8221;Retirement Planning&#8221; uncode_shortcode_id=&#8221;116472&#8243; icon_color_type=&#8221;uncode-palette&#8221;]Retirement planning means setting income goals, understanding the steps to reach them, recognising income sources, managing expenses, saving wisely, and handling assets and risk.[\/vc_icon][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row unlock_row=&#8221;&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;4&#8243; back_image=&#8221;131187&#8243; back_position=&#8221;center bottom&#8221; parallax=&#8221;yes&#8221; overlay_alpha=&#8221;67&#8243; gutter_size=&#8221;4&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;203872&#8243;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;2&#8243; style=&#8221;light&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;2\/12&#8243; uncode_shortcode_id=&#8221;342473&#8243;][\/vc_column][vc_column column_width_use_pixel=&#8221;yes&#8221; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;2&#8243; style=&#8221;light&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;2\/12&#8243; uncode_shortcode_id=&#8221;122273&#8243; column_width_pixel=&#8221;700&#8243;][uncode_counter value=&#8221;62&#8243; counter_color=&#8221;accent&#8221; size=&#8221;fontsize-142088&#8243; suffix=&#8221;%&#8221; uncode_shortcode_id=&#8221;157599&#8243; counter_color_type=&#8221;uncode-palette&#8221;][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;6\/12&#8243; uncode_shortcode_id=&#8221;208773&#8243;][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;153331&#8243;]<\/p>\n<h4>of people in Australia are concerned about not having enough money in retirement<sup>7<\/sup>.<\/h4>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;2\/12&#8243;][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;5&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;5&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;4&#8243; column_width_use_pixel=&#8221;yes&#8221; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; column_width_pixel=&#8221;1600&#8243; uncode_shortcode_id=&#8221;600593&#8243;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;5\/12&#8243;][vc_custom_heading text_color=&#8221;accent&#8221; heading_semantic=&#8221;h3&#8243; uncode_shortcode_id=&#8221;200358&#8243; text_color_type=&#8221;uncode-palette&#8221;]If you feel that you can check at least two points below, we&#8217;re confident that we can make a great team![\/vc_custom_heading][uncode_list icon=&#8221;fa fa-check&#8221; icon_color=&#8221;accent&#8221; uncode_shortcode_id=&#8221;803195&#8243; icon_color_type=&#8221;uncode-palette&#8221;]<\/p>\n<ul>\n<li>Anyone with over $150K of super<\/li>\n<li>People that don\u2019t know if they are on track with their retirement<\/li>\n<li>People that have super in multiple places that don\u2019t know how to consolidate it<\/li>\n<li>People who put their head in the sand with their super and they think it is all too hard<\/li>\n<li>Dealt with previous super companies that just didn\u2019t want take the time to understand my situation and my goals<\/li>\n<li>People that have currently have an industry super fund that have been led to believe cheaper is better<\/li>\n<\/ul>\n<p>[\/uncode_list][\/vc_column][vc_column width=&#8221;7\/12&#8243;][vc_single_image media=&#8221;131267&#8243; media_width_percent=&#8221;100&#8243; media_ratio=&#8221;four-three&#8221; uncode_shortcode_id=&#8221;144071&#8243;][\/vc_column][\/vc_row][vc_row][vc_column column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; align_mobile=&#8221;align_left_mobile&#8221; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;151245&#8243;][vc_custom_heading text_color=&#8221;accent&#8221; heading_semantic=&#8221;h3&#8243; uncode_shortcode_id=&#8221;483187&#8243; text_color_type=&#8221;uncode-palette&#8221;]Making informed super choices together[\/vc_custom_heading][\/vc_column][\/vc_row][vc_row unlock_row_content=&#8221;yes&#8221; row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;5&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;5&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;4&#8243; column_width_use_pixel=&#8221;yes&#8221; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; inverted_device_order=&#8221;yes&#8221; column_width_pixel=&#8221;1600&#8243; uncode_shortcode_id=&#8221;148391&#8243;][vc_column width=&#8221;1\/2&#8243;][vc_single_image media=&#8221;131266&#8243; media_width_percent=&#8221;100&#8243; media_ratio=&#8221;four-three&#8221; uncode_shortcode_id=&#8221;213221&#8243;][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_size=&#8221;h4&#8243; sub_reduced=&#8221;yes&#8221; subheading=&#8221;We&#8217;ll help you compare different superannuation funds, including industry super funds, to find the one that aligns with your financial goals and values.&#8221; uncode_shortcode_id=&#8221;109059&#8243;]Compare Super Funds[\/vc_custom_heading][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_size=&#8221;h4&#8243; sub_reduced=&#8221;yes&#8221; subheading=&#8221;Learn how to assess the value you receive from your superannuation fund beyond just the balance. It&#8217;s about services, performance, and benefits.&#8221; uncode_shortcode_id=&#8221;108497&#8243;]Value Assessment[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_size=&#8221;h4&#8243; sub_reduced=&#8221;yes&#8221; subheading=&#8221;Are you set for retirement? We&#8217;ll guide you through the steps to ensure you have a concrete plan in place.&#8221; uncode_shortcode_id=&#8221;479989&#8243;]Retirement Readiness[\/vc_custom_heading][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_size=&#8221;h4&#8243; sub_reduced=&#8221;yes&#8221; subheading=&#8221;Discover how diversifying your superannuation investments can mitigate risk and enhance your long-term financial security.&#8221; uncode_shortcode_id=&#8221;535560&#8243;]Diversification Strategies[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_size=&#8221;h4&#8243; sub_reduced=&#8221;yes&#8221; subheading=&#8221;For those feeling overwhelmed or clueless about superannuation, we offer educational resources and support to empower you.&#8221; uncode_shortcode_id=&#8221;173072&#8243;]Education and Support[\/vc_custom_heading][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_custom_heading heading_semantic=&#8221;h3&#8243; text_size=&#8221;h4&#8243; sub_reduced=&#8221;yes&#8221; subheading=&#8221;Your superannuation, your future. We&#8217;ll show you how to take control and make informed decisions about your retirement savings.&#8221; uncode_shortcode_id=&#8221;161135&#8243;]Taking Control[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;4&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; top_divider=&#8221;gradient&#8221; uncode_shortcode_id=&#8221;118656&#8243;][vc_column column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;4&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;124000&#8243;][vc_row_inner limit_content=&#8221;&#8221;][vc_column_inner column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;3&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;10&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; radius=&#8221;std&#8221; shadow=&#8221;std&#8221; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;908797&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_custom_heading uncode_shortcode_id=&#8221;210643&#8243;]Our Superannuation Partners[\/vc_custom_heading][vc_separator sep_color=&#8221;color-lxmt&#8221; uncode_shortcode_id=&#8221;101942&#8243; sep_color_type=&#8221;uncode-palette&#8221; el_width=&#8221;200px&#8221; el_height=&#8221;3px&#8221;][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;569924&#8243;]We work with the leading fund managers and super platforms to ensure we get the best outcome for your circumstances.[\/vc_column_text][vc_gallery el_id=&#8221;gallery-85457123&#8243; medias=&#8221;131215,131216,131217,131218,131219,131220,131221,131222,131223,131224,131225,131364&#8243; gutter_size=&#8221;3&#8243; media_items=&#8221;media|custom_link|original,icon&#8221; screen_lg=&#8221;1000&#8243; screen_md=&#8221;500&#8243; screen_sm=&#8221;100&#8243; single_width=&#8221;3&#8243; single_overlay_color=&#8221;color-xsdn&#8221; single_overlay_opacity=&#8221;50&#8243; single_text_anim=&#8221;no&#8221; single_image_anim=&#8221;no&#8221; single_padding=&#8221;3&#8243; single_border=&#8221;yes&#8221; single_link=&#8221;url:%23|||rel:nofollow&#8221; uncode_shortcode_id=&#8221;849036&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;0&#8243; back_image=&#8221;131236&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;-3&#8243; shift_y_fixed=&#8221;yes&#8221; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;599222&#8243;][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;880458&#8243;][vc_empty_space empty_h=&#8221;4&#8243; desktop_visibility=&#8221;yes&#8221;][vc_row_inner row_inner_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;5&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;100711&#8243; limit_content=&#8221;&#8221;][vc_column_inner column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;3&#8243; style=&#8221;dark&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;7\/12&#8243; uncode_shortcode_id=&#8221;159298&#8243; css=&#8221;.vc_custom_1694486310473{padding-right: 20px !important;}&#8221;][vc_empty_space empty_h=&#8221;0&#8243;][vc_custom_heading heading_semantic=&#8221;h3&#8243; uncode_shortcode_id=&#8221;927146&#8243;]If you&#8217;re not insured\u2026 you&#8217;re not ensured. Let us help![\/vc_custom_heading][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;117279&#8243;]We\u2019ll bring the conversation to you if you if you would prefer to meet online. Let\u2019s start the conversation to get to know you, where are you at now and how we can help you with your insurance and superannuation needs.[\/vc_column_text][vc_empty_space empty_h=&#8221;2&#8243;][vc_button button_color=&#8221;color-xsdn&#8221; outline=&#8221;yes&#8221; border_width=&#8221;0&#8243; display=&#8221;inline&#8221; link=&#8221;url:https%3A%2F%2Fpanoramafs.com.au%2Fcontact-us%2F&#8221; button_color_type=&#8221;uncode-palette&#8221; uncode_shortcode_id=&#8221;102078&#8243; el_class=&#8221;cta-outline&#8221;]Contact Us[\/vc_button][vc_button button_color=&#8221;color-xsdn&#8221; border_width=&#8221;0&#8243; display=&#8221;inline&#8221; button_color_type=&#8221;uncode-palette&#8221; el_class=&#8221;trigger-callback&#8221; uncode_shortcode_id=&#8221;874434&#8243;]Request a Callback[\/vc_button][\/vc_column_inner][vc_column_inner column_width_percent=&#8221;100&#8243; position_vertical=&#8221;bottom&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;5\/12&#8243; uncode_shortcode_id=&#8221;335559&#8243;][vc_single_image media=&#8221;131173&#8243; media_width_use_pixel=&#8221;yes&#8221; alignment=&#8221;center&#8221; uncode_shortcode_id=&#8221;147524&#8243; media_width_pixel=&#8221;500&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row row_height_percent=&#8221;20&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;3&#8243; bottom_padding=&#8221;3&#8243; back_color=&#8221;accent&#8221; back_image=&#8221;131261&#8243; overlay_color=&#8221;color-jevc&#8221; overlay_alpha=&#8221;10&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; top_divider=&#8221;gradient&#8221; bottom_divider=&#8221;gradient&#8221; uncode_shortcode_id=&#8221;187316&#8243; back_color_type=&#8221;uncode-palette&#8221; overlay_color_type=&#8221;uncode-palette&#8221;][vc_column [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Superannuation - Panorama \u2013 Life happens. 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