Understand your super. Review your options.
A super review that considers your whole picture.
Super is one of the biggest financial assets most Australians hold, but it often gets treated as “set and forget.” Fees, investment options, and contribution rules change. Your circumstances change. A regular review can help you make sure your super still reflects where you are now.
As part of a personal advice engagement, we’ll look at your current fund’s fee structure, investment options, and any insurance cover, and discuss contribution strategies that may suit your situation. Any recommendations we make are provided in a written Statement of Advice.
Fund & fee review
We’ll review your current fund’s fees, investment options, and insurance settings, and discuss how they compare to other options available in the market. You decide whether a change is right for you.
Contribution strategy
We’ll explain how concessional and non-concessional contribution caps, salary sacrifice, and catch-up contributions work, and discuss which may be suitable for your income, age, and goals.
Investment options
Your risk tolerance, timeline, and retirement goals all shape which super investment option may suit you. We’ll help you understand the main options and what they each involve.
Consolidation considerations
If you have multiple super accounts, we’ll help you understand the potential benefits and risks of consolidating, including insurance cover that could be lost if you close an account.
Independent advice, we don't sell super funds.
We don’t issue super products, and we don’t receive commissions for super fund recommendations. Our fees are disclosed upfront in our Financial Services Guide. This means our advice on super isn’t influenced by what a fund pays us, because no fund does.
A review might conclude that your current fund and setup suit you and no change is needed. It might conclude that different choices could better match your situation. Either outcome is a legitimate result of personal advice.
Three situations where a super review may help.
Every client’s situation is different. These are common circumstances where people find a personal advice engagement useful.
You've stuck with your default fund
You’ve been in the same super fund since starting work, or simply haven’t looked at it in years. A review can help you understand how your current fund and investment option compare to other options available to you.
Common context: Ages 40–55
You have super across several funds
Multiple super accounts from past jobs can mean paying multiple sets of fees. We’ll help you understand what you have, and the potential trade-offs, including insurance, of consolidating.
Common context: Any age, multiple employers
You're within 10 years of retiring
As retirement gets closer, the settings on your super (investment option, contribution strategy, insurance) warrant a closer look. We can help you think through the decisions that matter at this stage.
Common context: 55-67
Three steps to understanding your super.
Take the quiz
Answer a few questions about your situation. You’ll get general information about where you stand. No personal advice is given at this stage.
Free strategy call
A no-obligation conversation with our team to understand your situation and what you’re looking for. If we’re a good fit, we’ll explain what personal advice would involve, including our fees.
Your super plan
If you engage us for personal advice, we’ll gather information about your situation, prepare a written Statement of Advice, and walk you through our recommendations. You decide whether to act on them.
Super questions, answered clearly.
These answers provide general information only. They don’t take into account your individual situation, for that, we’d need to provide personal advice.
Is it too late to review my super if I'm over 50?
No. For most Australians, super is a significant part of retirement income, and the years between 50 and retirement are often the period where contribution caps, investment choice, and timing decisions have meaningful impact. A review can help clarify your options at any stage.
Should I consolidate my super funds?
It depends on your circumstances. Consolidation can simplify administration and reduce duplicate fees, but closing a super account can also mean losing insurance cover, losing access to specific investment options, or triggering tax consequences. We’ll help you understand the trade-offs so you can make an informed decision.
How do I know which super fund suits me?
Relevant factors include the fund’s fee structure, the investment options available, insurance offered, and how these line up with your circumstances and goals. Past performance isn’t a reliable indicator of future performance. A personal advice engagement considers all these factors in context.
Can I use salary sacrifice to grow my super?
Salary sacrifice is one of several contribution strategies available. Whether it’s appropriate depends on your income, age, existing super balance, and the concessional contribution cap (currently $30,000 per financial year). We can help you understand whether it may suit your situation.
What about catch-up concessional contributions?
If your total super balance was below $500,000 at the end of the previous financial year, you may be able to carry forward unused concessional cap amounts from up to five previous years. Eligibility rules are specific, this is something we’d cover in a personal advice engagement.
Can you help with SMSFs?
Yes. An SMSF is not the right structure for everyone. Our approach is to look at whether an SMSF genuinely suits your situation before considering setup. See our [SMSF page] for more detail.
Let's review your super together.
Book a free 15-minute call. It’s a conversation about your situation, no personal advice is given on the call, and there’s no obligation to proceed.