The fund you signed up for at 22 isn't built for the person you are now.
Most people are still in the same super fund, the same investment option and the same insurance settings they had a decade or more ago. We look at whether any of that still fits.
Most people have never had anyone actually look at their super
It sits in the background, getting contributions from your employer, with nobody checking whether the fees, the investment option, the insurance or the contribution strategy still make sense for where you're at now.
Our superannuation advice looks at all of it: how your fund is structured, what you're paying, how it's invested, what cover you hold, how contributions are set up, and whether your beneficiaries are current.
- A clear picture of what's working and what isn't
- Specific changes worth considering, explained plainly
- No pressure to act on any of it
What our superannuation advice looks at
Five areas, reviewed together, because they all affect each other.
Fees and Fund Costs
Administration, investment and indirect fees, and whether what you're paying lines up with the value and outcomes you're getting.
Insurance Inside Super
Life, TPD and income protection cover held inside your fund. Whether it's active, how claims would work, and whether the amounts still suit your situation.
Investment Option Suitability
Whether your current option suits your age, timeframe and comfort with risk, rather than a default setting nobody has revisited.
Contribution Strategy
How contributions are structured, including employer contributions, salary sacrifice and personal contributions where relevant.
Beneficiary Setup
Whether your nominated beneficiaries are correct and current. An easy thing to overlook, and one that can cause real problems later if it's wrong.
Small things, left unchecked, add up over a long time
Superannuation is a long-term structure. Fees, investment settings and contribution strategies that go unreviewed for years can have a meaningful effect on your eventual balance, simply because of how long the money is invested for.
None of this is about predicting markets or chasing returns. It's about making sure the structure underneath your super is actually working for you, rather than running on settings that were chosen for you by default years ago.
This is for you if any of this sounds familiar
You're between 30 and 55 and have never had a proper super review.
You've got multiple super accounts, or you've changed jobs a few times and never consolidated.
You're not sure how your investments or insurance inside super actually work.
You're self-employed and want a smarter approach to contributions.
Worth knowing before you book
Our advice works best for people who already have super in place and want to understand whether it's actually working for them.
This is a good fit if
- You want clarity on how your super is currently structured
- You're open to making changes if they're explained and make sense
- You'd rather know where things stand than keep guessing
- You're comfortable with a process, not a quick fix
This isn't the right fit if
- You're after a quick product recommendation
- You're looking for a one-size-fits-all answer
- You're not interested in understanding the reasoning behind any changes
- You want a guaranteed outcome or return figure
See whether your super is working as hard as it could be
Book a strategy session. The review, the strategy and the session are all at no cost. A fee only applies if you choose to implement.
Book a Strategy SessionABN: 46 679 016 525 | AFSL: 561 658