Fund and investment choice
Whether to stay, consolidate, or change options, based on fees, insurance and how you want the money invested.
Our services
Superannuation
Fund selection, contributions and investment strategy to grow your super efficiently.
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Superannuation statements ready for a contribution review
Super is likely your largest investment after the home, and it is often the least examined. Fund choice, insurance inside super, contribution caps and investment settings all change the balance you will retire with.
This service is for people who have more than one fund, who are unsure whether salary sacrifice is worth it, or who have never checked whether the default option still fits.
We compare the options in writing, including tax, fees and insurance, before you change anything.
The work
What we help with
Concessional contributions
Salary sacrifice and catch-up contributions, modelled against your take-home pay and the annual cap.
Non-concessional and downsizer
After-tax contributions and downsizer rules, when they help and when they do not.
Insurance inside super
Cover held in the fund reviewed so you are not paying for the wrong amount, or losing it by switching funds.
Super versus the mortgage
Whether extra money should go to super or the home loan, with the tax and time-horizon trade-off shown clearly.
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Comparing super fund options during a Glen Waverley meeting
The process
How it works
01
Discover
Bring recent statements if you have them. We map funds, insurance, contributions and what you want super to do.
02
Compare
We model contribution and investment options, including the effect on take-home pay.
03
Recommend
A written recommendation with fees agreed first, including what not to change.
04
Review
Caps, insurance and investment settings are checked as salary, legislation and markets move.
Fit
Who this suits
You have two or more super funds and suspect you are paying twice for insurance or fees.
You want to know if salary sacrifice would actually leave you better off.
You are paying down a mortgage and cannot tell whether extra should go to super.
You have never chosen an investment option and are still in the default.
You are approaching 60 and want contributions timed before you finish work.
Try the numbers
Check your contribution headroom
See concessional headroom and a simple picture of extra super from salary sacrifice. It is an illustration, not a recommendation to contribute.
FAQ
Questions about this service
Often yes, if you are paying multiple fees or duplicate insurance. Sometimes no, if a fund has valuable cover, a defined benefit, or a pending claim. We check before you roll anything over.
Review your super with a clear fee
45 minutes, no obligation. Bring a recent statement if you can. We will tell you whether a change is worth it.