Superannuation Advice
Superannuation is the foundation of most Australians’ retirement savings, yet many people have no idea whether their super is working hard enough for them. The rules are complex, the options are overwhelming, and the stakes are high — your super balance at retirement will directly determine the lifestyle you can afford.
What We Do
Great Advice provides comprehensive superannuation advice tailored to your stage of life and your goals. Whether you are in the accumulation phase and want to grow your super faster, or approaching retirement and need to transition to a pension, we can help.
Our superannuation advice covers:
- Super fund review — is your current fund performing well and charging reasonable fees?
- Contribution strategies — salary sacrifice, personal deductible contributions, spouse contributions, government co-contributions
- Investment option selection — aligning your super investments with your risk tolerance and time horizon
- Consolidation — rolling multiple super accounts into one to reduce fees and simplify management
- Transition to Retirement (TTR) strategies — accessing super before you fully retire
- Super and tax — maximising the tax advantages of superannuation at every stage
- Downsizer contributions — making additional super contributions from the sale of your home
Why Great Advice
Superannuation advice is not one-size-fits-all. Your strategy should reflect your age, your income, your goals, and your appetite for risk. At Great Advice, we take the time to understand your complete financial picture before making any recommendations.
We are an independent practice — we do not receive commissions from super funds or push proprietary products. Our advice is genuinely in your best interest.
Frequently Asked Questions
How do I know if my super fund is any good?
We assess your fund on performance (net of fees), investment options, insurance offerings, fees, and features. Many people are in default funds that charge high fees for average returns. A fund review can reveal whether you could be significantly better off elsewhere.
What is salary sacrifice into super?
Salary sacrifice means directing part of your pre-tax salary into your super fund instead of receiving it as take-home pay. Because super contributions are taxed at 15% (rather than your marginal tax rate), this can be a powerful way to build your super while reducing your tax bill.
Can I access my super before I retire?
In most cases, you can access your super when you reach your preservation age (between 55 and 60, depending on when you were born) and meet a condition of release. A Transition to Retirement strategy may allow you to access some of your super as a pension while you are still working.
Should I consolidate my super into one fund?
In most cases, yes. Multiple super accounts mean multiple sets of fees and insurance premiums, which can erode your balance over time. However, before consolidating, we check whether you would lose any valuable insurance cover or other benefits.
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At Great Advice, it’s not all about giving you offers and products but presenting you meaningful suggestions that may impact your chances of achieving the outcomes important to you. That is Great Advice!
