Your super is likely your second-largest asset after your home. The right strategy can mean tens of thousands of dollars more in retirement. I help you make sense of the rules and build a plan that works for your situation.
Superannuation is powerful, but it is also complex. Contribution caps, tax thresholds, preservation rules, and constantly changing legislation make it difficult to know whether you are making the most of what is available to you.
I work with clients to cut through that complexity. Whether you are looking to maximise your concessional contributions, understand how Division 293 affects you, or figure out whether salary sacrifice still makes sense at your income level, I provide clear advice grounded in current legislation.
My approach is straightforward. I review your current super position, identify gaps and opportunities, and build a strategy that fits your income, your goals, and your timeline. No jargon, no unnecessary products — just a clear plan you can actually follow.
Earning above $250,000 and wondering how Division 293 affects your super strategy. You want to know whether salary sacrifice still makes sense and how to optimise contributions.
Building wealth and wanting to make sure your super is working hard. You may have multiple super accounts, or you have never reviewed your contribution strategy.
Looking to maximise super across both partners. Spouse contributions, contribution splitting, and co-contribution strategies can make a real difference.
Self-employed or running a company, wanting to structure super contributions tax-effectively while managing cash flow.
Not sure if you're getting the most out of your super? Let's have a look together.
Contribution Strategy
Work out how much you can contribute this year, whether to use concessional or non-concessional caps, and how to make the most of carry-forward rules
Salary Sacrifice Assessment
See whether salary sacrifice still saves you money after Division 293, or whether there is a better way to structure your contributions
Super Consolidation
Find out if you have multiple super accounts, compare the fees and insurance across them, and bring everything into one place
Investment Option Review
Check whether your super is invested in the right mix for your age, timeline, and how much risk you are comfortable with
Insurance Inside Super
Review the life, TPD, and income protection cover inside your super to make sure it is adequate and not costing you more than it should
Spouse & Co-Contribution Strategies
Explore whether contributing to your partner’s super or qualifying for the government co-contribution could save your household money
Employer Super Obligations
Make sure you are meeting your SG obligations as an employer, and understand how to structure contributions for yourself as a business owner
Beneficiary Nominations
Check that your super will go to the right people if something happens to you, and understand the difference between binding and non-binding nominations
Alan took the time to understand our situation and provided clear, specific advice. He made implementing changes easy and was always responsive and transparent. We felt well supported throughout.
Gerry & Gina
Melbourne
Estimate whether you owe the additional 15% tax on super contributions
Try CalculatorCalculate your unused concessional contribution cap from previous years
Try CalculatorCheck your eligibility for up to $500 in government co-contributions
Try CalculatorCalculate your spouse contribution tax offset
Try CalculatorBook a free 30-minute discovery call and we will review your situation together.
The information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. It should not be relied upon as personal financial advice. Before making any financial decisions, consider whether the information is appropriate for your circumstances and seek independent professional advice where necessary.