Strategic superannuation advice & pension structuring

Maximise your superannuation before and during retirement. Expert advice on contribution limits, account-based pensions, and retirement strategies.

Superannuation and pensions

From saving your money to making it work for you.

For decades, superannuation has been something that happens in the background of your working life. But as you approach retirement, the focus shifts. You move from the ‘saving phase’ (building your nest egg) to the ‘spending phase’ (using that money to live on).

We help you navigate the transition so you can stop working with total confidence, knowing exactly where your regular income is coming from.

Why use super for your retirement?

You pay significantly less tax: Super is one of the most tax-effective ways to save in Australia. While you are working, your contributions and investment earnings are generally taxed at just 15%. Which is likely much lower than your personal income tax rate.

Superannuation is designed with one purpose: fund your life after work.

Yes, your money is locked away while you’re working. But that’s exactly why it works.

While working:

Contributions taxed at 15% (vs. your personal tax rate of 30-45%)
Investment earnings taxed at 15%

After 60 (in retirement phase):

Withdrawals are completely tax-free
Investment earnings are completely tax-free

Compound growth works when you can't touch It

The lock-up period is a feature, not a bug.

Because you can’t access super for decades, it compounds without interruption. Your earnings generate their own earnings. Small contributions become significant balances.

As Einstein said compounding is the 7th wonder of the world.

How you can access super

Know Your “Unlock Date”

You can access super when you reach your preservation age (55-60 depending on birth year) and stop working. Or at 65 regardless of work status.

We clarify your exact dates so you can plan your exit with certainty.

Turn It Into a Paycheck

We set up an Account-Based Pension:

Your money stays invested and growing
Automated payment hits your bank every fortnight
Tax-free withdrawals after 60

This recreates your salary. You stop managing a lump sum and start living on predictable income.

Transition Gradually (If You Want)

Not ready to fully retire? Transition to Retirement (TTR) lets you:

Reduce work hours to part-time
Top up your reduced salary with super withdrawals
Keep super growing while you ease out of work

Common strategy: Go from 5 days/week to 3 days, supplement the lost income with super.

Maximise your age pension

Your super balance affects your Age Pension eligibility. There are strategies like keeping super in the younger spouses name that can increase your social security.

We calculate what you’ll receive based on Centrelink’s income and asset tests. We help lodge your application up to 13 weeks before you retire so payments start immediately.

Often, the right super structure increases your pension by thousands per year.

Why you still need personal advice

Super funds can give general guidance and limited personal advice but not holistic personal advice. They can’t personalise it to you and your extended financial position or think outside the box their license operates in.

What they don’t know:

Whether you own your home
Your spouse’s super balance
Your other investments outside of super
Your health situation
Your family obligations
Your actual lifestyle costs

What we do

We provide holistic personal advice. This means we can take the general strategies your fund offers and tailor them to your specific situation (or think outside the box altogether):

How much can you safely draw?
How do you coordinate with your partner’s super?
Should you downsize to boost your Age Pension?
Should you complete a re-contribution strategy to reduce Estate Taxes?
How do you structure for aged care later?
Are there better options that need to be discussed?

Your fund provides the tools. We show you how to use them for your life.