Superannuation Advice Canberra
Independent superannuation advice from advisers who don't run a super fund
We provide clear, independent advice on all of your super, including the defence and public-sector schemes many advisers don't deal with regularly. Where most super advice comes from the fund that holds your money, we don't run a fund and we have no product to sell.
1%
Only around 1% of financial planners in Australia are independent. We are one of them.
Independent means no commissions, no kick backs, and no ownership by a bank or super fund.
Your super is often the biggest asset you own.
Superannuation is the second-biggest asset most people own after the family home. For many Canberrans it is the biggest. And yet most people have never had anyone genuinely independent sit down and look at it.
The advice on offer often comes from the fund itself. Your super fund can help you, but generally only with the super you hold in that fund. Government tools provide calculators and online forums and videos give general information, but what's required is a full view of your super, your tax, your insurance and your retirement plans together to answer the big questions.
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Are you in the right fund and the right investment option, or the wrong one?
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Is the insurance inside your super right, or are you paying for cover you do not need?
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If your super is a defence or public-sector scheme, have you optimised contributions for maximum growth?
That is the gap we fill: independent advice on all of your super, from advisers with nothing to sell you.
What independent superannuation advice looks like
Being independent means we take no commissions, charge no asset-based fees, and we are not owned by a bank or a super fund. We do not run our own super or investment product, so when we advise on your super, we have no reason to move it unless that genuinely serves your interests.
Superannuation advice is rarely a one-off. As you approach retirement it flows naturally into a retirement income plan, a transition-to-retirement strategy, and eventually decisions about how your super is passed on.
"The independent financial advice we received from Andrew and his team has completely set our family up for success beyond just finance. So glad we changed financial advisers."
- M, Adviser Ratings
Independent super advice with us typically covers
A full super health check
Your fund, investment option, fees and performance reviewed, and whether consolidating lost or multiple accounts would leave you better off.
An investment-option review
Whether your super is invested sensibly for your age, goals and comfort with risk.
Beneficiary and death benefit guidance
Making sure your super goes where you intend, and flagging the tax that can apply (covered in full on our estate planning page).
A contribution strategy
The most tax-effective way to build your super, using concessional and non-concessional contributions, catch-up rules and co-contributions, within the current caps.
Insurance
Whether the life, TPD and income protection cover in your super is right, enough, or more than you need.
A written plan in plain English
What to do, in what order, and why, without the jargon.
On a defence or public sector scheme?
For PSS, CSS, MSBS, DFRDB, ADF Super and PSSap members, we review the scheme-specific decisions that need careful advice. Find out more here
How we advise on your super
1
Complimentary introductory call
We talk through your super and what you want it to do for you. No cost, no obligation, and a chance to see whether we are the right fit.
2
Discovery and fact-find
If you go ahead, we gather the detail: your fund, balance, contributions, insurance and goals. We tell you the fixed fee up front before any work begins.
3
Analysis and strategy
We build and stress-test your retirement projection and develop the income, tax and Age Pension strategy that fits your situation.
4
Your written plan
We present it plainly, walk you through it, and answer every question until it makes sense.
5
Putting it in place and reviewing it
We help implement the plan and review it as markets, rules and your life change, because a plan set once and never revisited can stop fitting over time.
Trusted to deliver with your best interests first
"Andrew provided clear and easy to understand information regarding my current superannuation and strategies for continued growth. His advice was tailored to my needs and personal situation. I felt very confident and positive with his advice."
- Juliet, Adviser Ratings
"Andrew is a friendly adviser with a thorough understanding of superannuation and private investment environments. Andrew takes the time to explain concepts to those with limited knowledge of the subject area, ensuring you understand the reasoning behind your decision making. I have found Andrew to respond quickly to my queries and provide exceptional customer service."
- Nicole, Adviser Ratings