Superannuation Advice
Making Your Super Work Harder For You.
Your super is likely already your biggest investment, even if you've never given it a second thought.
For most Australians, superannuation grows quietly in the background through employer contributions. But what many don't realise is that super is one of the most tax-effective investment structures available. The difference between a well-managed fund and one left on autopilot can add up to hundreds of thousands of dollars by the time you retire.
At Redwood Financial Planning, we help everyday Australians understand what's really happening inside their super and show how a few strategic changes today can dramatically change your balance in 20 or 30 years.
What We Look At During Your Super Review
Investment Mix
Are your investments actually aligned with your goals and risk tolerance? Or are you still sitting in the default "balanced" option from your first job?
Most industry funds use one-size-fits-all defaults that are designed for the average worker, not you specifically.
We help match your investments to where you're at in life, how long until you retire, and how comfortable you are with market ups and downs. That might mean growth-focused options, diversified managed funds, or something more conservative, whatever actually fits.
Insurances Inside Super
A lot of super funds automatically include life or TPD insurance. The catch? Default policies often have outdated definitions or coverage amounts that wouldn't even cover a year of your household expenses.
We'll check whether your insurance still makes sense for your situation—and whether it's quietly eating away at your returns for no good reason.
Fees & Performance
A 1% difference in performance might not sound like much, but over time it can cost you more than $100,000. And most Australians have no clue how their fund’s performing or what they're actually paying for in admin, insurance, and investment management fees.
We'll compare your fund's performance and fees against other options, so you can see what's possible when you combine efficiency with decent advice.
Contribution Strategy
Super is one of the few places where you can legally invest pre-tax income. Salary sacrifice, personal concessional contributions, spouse contributions -they all reduce your tax while growing your balance.
We'll run the numbers on what that could mean for you, taking into account current contribution caps and thresholds like Division 293.
Why It Matters.
If your super earns 6% instead of 8%, that's roughly a $210,000 difference over 25 years on an average balance. That's not just "how the market goes"—it's about optimisation.
We help you find the inefficiencies and build strategies that suit your goals, not just whatever template the fund uses.
Who This Is For
Australians aged 30–55 who've never had a proper super review.
People with multiple super accounts or who've changed employers.
Anyone unsure how their investments or insurance actually work.
Self-employed Australians looking for smarter contribution strategies.
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