Superannuation advice in Brisbane
Small decisions you make about super today can have a big impact on the retirement you'll enjoy later.
Is your super working as hard as it could?
For many Australians, super is one of their biggest financial assets, yet it's something they rarely think about. Contributions go in, statements arrive, and it's easy to assume everything is ticking along as it should.
But the fund you joined years ago, the fees you're paying and how your money is invested can all affect what you eventually retire with. Small differences today can add up over decades.
We take a closer look at your super, from investment options and fees to insurance and contributions. We'll explain where improvements may be possible, recommend changes where appropriate and help put them into place.
Making more of your super
The areas we look at when we review your super.
Getting more into your super
Salary sacrifice, personal contributions and spouse contributions can help build your super, sometimes with tax benefits. We look at contribution limits and the options available without putting unnecessary pressure on your everyday finances.
Bringing your super accounts together
Multiple super accounts can mean multiple sets of fees and insurance premiums. Before consolidating, we check what you could save and whether you'd lose any valuable benefits or insurance cover.
Choosing how your super is invested
Your investment options can affect both the growth of your super and how much its value fluctuates. We assess your current investment mix against your timeframe, objectives and tolerance for risk.
Checking your insurance through super
Many super funds include life insurance, TPD or income protection cover. We check what you have, what it costs and whether there are any important limitations or gaps.
Superannuation questions
Can I get advice on my super if I'm still young?
Absolutely. The earlier you get your super set up properly, the longer good decisions have to compound.
Can I choose my own super fund?
Most employees can. If you don't choose, your employer will generally pay into your existing fund, which may not be the best fit for you now. We compare your fund's fees, investment options and insurance with the alternatives.
How do I know if my super fund is performing well?
Start by comparing your fund's long-term investment returns, fees and investment options with similar funds. A strong result over one year doesn't necessarily mean a fund is performing well over time, and the lowest fees aren't always the best choice if the fund's performance, features or level of risk don't suit you.
The ATO's YourSuper comparison tool can help you compare MySuper products, including their fees and investment performance. It's also worth checking whether your current investment option is appropriate for your circumstances.
How do I find lost super?
Log in to myGov and link it to the ATO. You'll see every super account in your name, including any lost or unclaimed super held by the ATO, and you can transfer it into your chosen fund.
Who gets my super if I die?
Super isn't automatically covered by your will. Unless you've made a valid binding nomination, your fund's trustee generally decides who receives it. We check your nominations so your super goes where you intend.
Can I claim a tax deduction for extra super contributions?
You may be able to claim a tax deduction for personal contributions you make to your super fund, provided you meet the eligibility requirements and follow the ATO's notice of intent process.
These contributions generally count towards your concessional contributions cap, which also includes employer contributions and salary sacrifice amounts.
Depending on your circumstances, you may also be eligible to use unused concessional contribution cap amounts from previous financial years. Checking your available cap before contributing can help you avoid unexpected tax consequences.
How often should I review my super?
At least once a year, and whenever something significant changes, such as a new job, a pay rise or a change in your family situation.
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Get a second opinion on your super.
Your super could make a big difference to the retirement you enjoy. Let's look at how to make the most of it while you still have time on your side.