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Welcome

Raymond Kemsley & Co is an Accounting firm located in Dee Why, on Sydney’s northern beaches. Our firm has built an enviable reputation for providing personalised accounting, taxation, financial planning and estate planning services.

Raymond Kemsley & Co is committed to forming a close relationship with clients seeking to implement investment strategies, in order to provide the assistance they require. We take pride in providing a whole range of accounting and wealth creating services to enable our clients to achieve their goals.

We understand that the entrepreneur is instinctively driven and to succeed must be surrounded by the right professionals who share the same vision. Our people, systems and resources are designed to achieve success.

Our Services

accountingAccounting Services

Whether your concerns are taxation, accounting, business planning, cashflow and budgeting, or business valuation, rest assured that our staff are available to advise you.

wealthWealth Management

Our experienced team can help ensure that your personal wealth is managed as tax-efficiently as possible.

taxTaxation Services

Whether you need advice on company tax, personal tax effectiveness or indirect taxation including payroll tax and GST, our team will identify the best solutions for you.

specialistSpecialist Services

In addition to our normal services, we have a developed specialist knowledge and expertise in financial planning and self-managed superannuation funds.

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Firm News

What happens to your super in a divorce? 

Divorce or separation can be emotionally draining and stressful as it is, but the legal and financial responsibilities you also need to think about add an extra burden to dealing with the spit. One key area that needs to be considered to protect your financial future is your superannuation and what happens to it after your divorce.

The superannuation splitting law treats superannuation as a different type of property. This means that like any other asset it can be divided between partners who were in a marriage or de facto relationships either through:

  • A formal written agreement where both parties sign a certificate confirming that independent legal advice about the agreement has been provided.
  • Seeking Consent Orders to split the superannuation.
  • Seeking a court order to split the superannuation in the event you cannot reach an agreement.

Splitting the super does not automatically give you a cash asset as it is still subject to superannuation laws.

There are three main options for dealing with your super in a split:

  • A payment split: this is the most common way of dealing with super at the end of a relationship. If you are not yet eligible to withdraw your super, the benefit will be split whilst remaining in the super system. If you have retired or are eligible to withdraw your super, your split can be done as a payment.
  • Payment flag: you can defer your decision if you want to wait for a specific event to occur, such as retirement or the maturation of an investment. Flagging allows you to protect the interest in your super fund and prevents the super fund from making a payment out of the super account until the flag is lifted.
  • No split or flag: this is when you choose to treat super as a financial asset instead of splitting or flagging the super. The super is then a relationship asset that can be divided between the parties. This option is often used by de facto relationships in Western Australia as their super cannot be split, making it their only legal option.

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