Grow your wealth
For most Australians super is the second-largest asset they will ever own, and the one they never pay any attention to. Investments are complex and daunting but when done right, can be largely rewarding. A single appointment discussing investment options, contributions and structured will usually mean more than a decade of guessing or neglect.
Is this you?
If more than one of these lands, it is worth a conversation. None of them are unusual, and all of them are fixable.
Every account charges its own administration fee, and many quietly charge insurance premiums as well. Two or three accounts can cost hundreds a year in duplication before a single dollar is invested.
If you have never made a choice, you are in your fund's default option. Defaults are designed for the average member, not for your age, your timeframe or how you would actually react to a bad year.
Administration fees, investment fees and insurance premiums all come out of the same balance. Very few people can name all three, and the difference between funds compounds over decades.
Employer contributions are a floor, not a plan. Whether adding more makes sense depends on your marginal tax rate, your cashflow and how far away retirement is, which is a calculation, not a guess.
What we actually do
No open-ended retainer and no vague scope. You know what you are getting and what it costs before we begin.
We compare what you are in now against genuine alternatives on total cost, investment options, insurance terms and long-term performance, and then show you the working, not just the conclusion.
We locate any lost or forgotten accounts and consolidate where it helps. Critically, we check what insurance sits inside each account before closing anything, so you never lose cover you could not get back.
Concessional versus non-concessional contributions, salary sacrifice, spouse contributions and the government co-contribution: assessed against your actual tax position and cashflow rather than applied as a rule of thumb.
We match your investment option to your real timeframe and risk tolerance, and make sure your death benefit nomination is valid and current so your super goes where you intend.
Worth understanding
Not a sales pitch: the handful of things that genuinely change the outcome, including the ones that are expensive to discover late.
Insurance held inside an older fund was underwritten when you were younger and healthier. If your health has changed since, that cover may be impossible to replace at any price. Rolling an old account into a new one cancels its insurance. This is the single most expensive mistake we see people make on their own, and it is irreversible.
Concessional contributions (employer contributions and salary sacrifice) go in before tax and are taxed inside the fund. Non-concessional contributions go in from money already taxed. Each has its own annual cap, the caps change, and unused concessional cap can sometimes be carried forward, which is worth knowing if you have had a year out of the workforce.
A difference of a fraction of a percent sounds trivial and is not. Over a thirty-year horizon it compounds against you with the same force that returns compound for you, and it is the one variable you can control with certainty.
Premiums paid from your balance do not touch your household cashflow, which is genuinely useful. They do, however, reduce the balance that would otherwise be compounding. Whether that trade is worth it depends on your cover needs and how much room your balance has.
Common questions
General information only, and not personal advice. What applies to you depends on your circumstances.
Usually, but check the insurance first. Consolidating cuts duplicate fees and makes your super far easier to manage. The risk is that rolling an old account out cancels any insurance inside it, and if your health has changed since that cover was issued you may not be able to replace it. We review the cover in every account before recommending you close anything.
Get started
Tell us where you are with superannuation and what you would like to sort out. If we can help, we will explain exactly how and what it costs.
