S U P E R S T R A T E G Y S E S S I O N

The best time to fix your super was ten years ago.

The second best time is now.

A full review of your super, a written strategy from a licensed advisor and a session to walk you through it. All at no cost. A fee only applies if you choose to implement.

✔ Full super review
✔ Written strategy document
✔ Prepared by a licensed advisor
✔ No obligation to proceed
Consultation Body — Redwood

General Advice Warning: The information on this page is general in nature and does not take into account your personal objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for your circumstances and read our Financial Services Guide. Redwood Financial Planning Pty Ltd | ABN 46 679 016 525 | AFSL 561 658.

AFSL 561 658 ASIC registered You deal with the directors directly No obligation, ever
Why timing matters

Some of the most effective super strategies need time to work

If retirement is somewhere in the next 10 to 15 years, this is the window where the right moves make the biggest difference. A few examples of what becomes harder, or impossible, to use effectively the closer you get to retirement:

Spouse Contributions

Splitting super between partners

If one partner has a significantly lower balance, contributions and tax offsets can help even things out. The earlier this starts, the more time it has to compound.

Salary Sacrifice

Topping up before you retire

Additional contributions can reduce taxable income now and build your balance before retirement, but the runway to do this meaningfully shortens every year.

Transition to Retirement

Easing into retirement, not jumping

A TTR strategy can let you reduce working hours while supplementing your income from super, but it needs to be set up well before you actually need it.

Investment Settings

Adjusting risk as retirement nears

An investment option that made sense at 40 may carry more risk than is appropriate at 55. Reviewing this earlier gives more options for adjusting smoothly.

None of this means it's too late if you're closer to retirement than you'd like. It means the sooner this conversation happens, the more options are realistically on the table.

What happens next

Four steps, no jargon

Fill in your details above and you'll go straight to Brian's calendar to pick a time. Here's what the process looks like from there.

1

Discovery Call

Brian or Ryan calls you personally to understand your situation and what you'd like to get out of the conversation. Straightforward, no sales pitch.

2

Strategy Session

We review your super: fees, fund structure, insurance within your account, and your current investment option relative to your age and timeline.

3

Written Recommendations

You receive a written strategy document prepared by a licensed adviser. It covers our findings and, where relevant, specific recommendations. If your current setup looks appropriate for your situation, we'll say that too.

4

Implement and Ongoing Support

If you decide to implement the recommendations, we manage the process from start to finish. The written strategy and the session are provided at no cost. A fee applies only if you choose to move forward with implementation.

Areas we cover

What a super review looks at

A structured review covers the areas most people haven't had a chance to look at closely.

01

Fund Fees

What you're paying in administration and investment fees, and whether that's proportionate to the services and returns you're receiving.

02

Investment Option

Whether your current investment option is appropriate for your age, timeline and risk comfort. Many people remain in the default option they were allocated at account opening.

03

Insurance Inside Super

Life, total and permanent disability, and income protection cover is often held inside superannuation. We look at whether the level and type of cover suits your current circumstances.

04

Projected Outcomes

A forward-looking view of your retirement balance based on current settings, to give you a clear picture of where your super is headed.

Why Redwood

Self-licensed. Directly accountable.

Redwood Financial Planning holds its own Australian Financial Services Licence (AFSL 561 658). We do not operate under a dealer group. Brian and Ryan are directly responsible for every piece of advice that leaves this business.

  • You always deal with a licensed adviser

    Brian and Ryan handle client relationships directly. There are no handoffs to junior staff or third-party case managers.

  • Advice is given regardless of outcome

    If a review finds that your current super arrangement is suitable, we'll say so. Recommendations are only made where they are genuinely in your interest.

  • Fee disclosure before you commit

    The cost of any ongoing or paid advice is disclosed clearly in a Statement of Advice before you make any decisions.

  • No approved product lists

    Because we hold our own licence, we are not restricted to a licensee's approved product list. Recommendations are based on your needs, not product availability.

Licence
AFSL 561 658

Issued by ASIC. Redwood Financial Planning Pty Ltd is the licence holder.

Registered
ABN 46 679 016 525

Registered in Queensland. Servicing clients nationally.

Authorised Representatives
Brian Kearney

AR 128 9461 — Director and Financial Adviser

 
Ryan Humphries

AR 130 9222 — Director and Financial Adviser

General Advice Warning: This page contains general information only. It does not take into account your personal objectives, financial situation or needs. Before acting on any information on this page, consider whether it is appropriate for your circumstances and obtain a copy of and read the Financial Services Guide. Redwood Financial Planning Pty Ltd | ABN 46 679 016 525 | AFSL 561 658 | Brian Kearney AR 128 9461 | Ryan Humphries AR 130 9222. The initial strategy session is provided at no cost. Any subsequent personal advice will be provided under a separate fee arrangement disclosed in a Statement of Advice.

Consultation Bottom — Redwood
What you get

A real review. A real strategy.
You decide what happens next.

A full review of your super — fees, investment option, insurance and projected outcomes
A written strategy document — prepared by a licensed adviser, specific to your situation
A session to walk you through it — with Brian or Ryan directly, not a call centre
No cost unless you implement — a fee applies only if you choose to proceed with advice
Book My Session Call 1800 841 969

ABN: 46 679 016 525  |  AFSL: 561 658

Redwood Financial Planning Pty Ltd | ABN 46 679 016 525 | AFSL 561 658 | Brian Kearney AR 128 9461 | Ryan Humphries AR 130 9222. The review, strategy session and written document are provided at no cost. A fee applies only if you choose to proceed with implementation, and will be disclosed in a Statement of Advice before any action is taken. Financial Services Guide.