Superannuation

Consolidation, lost super searches, employer monitoring. We love super (seriously) and it really shows.

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Community-Minded Since 2000

When you need help with your super

We love superannuation. Most people find that weird, but we genuinely think super is one of the best wealth-building tools Australians have – if it’s set up properly.

Most people don’t think about their super until something triggers them to pay attention.

You might need help with superannuation if you’re in one of these situations:

You’ve changed jobs multiple times and have super scattered across different funds that you’ve lost track of
You’ve just checked your super balance and realised your employer hasn’t been paying it regularly or at all
You received a letter about “lost super” or unclaimed super and you’re not sure what to do about it
Your super fund keeps sending you complicated statements you don’t understand, and you’re worried you’re in the wrong fund or paying too much in fees
You’re approaching retirement and need to know if your super will actually be enough, or if you need to boost it while you still can

The problem is that most people’s super isn’t set up properly. It’s scattered, neglected, poorly invested, or being eroded by unnecessary fees. That’s where we come in – we’ll track down your super, consolidate it, make sure your employer is paying what they should, and get it actually working for your retirement.

Let’s Talk About Your Situation

What we do with your super

When we work with you on superannuation, here’s what we’ll handle:

Lost super search

We’ll search for any lost or unclaimed super across all Australian funds and track down accounts you might have forgotten about from old jobs. Most people are surprised by what we find.

Super consolidation

We’ll consolidate your super into one fund (if that makes sense for your situation) so you’re not paying multiple sets of fees and insurance premiums you don’t need. One fund, one statement, one login – simple.

Employer compliance monitoring

We’ll monitor whether your employer is paying your super on time and at the correct rate. If they’re not, we’ll chase it up for you. You shouldn’t have to police your own employer about this.

Fee and investment review

We’ll review what you’re paying in fees and how your super is invested. Many people are paying way too much for underperforming investments. We’ll make sure you’re in the right fund with appropriate investments for your situation.

Insurance within super check

Most super funds include insurance (life, TPD, income protection), but it’s often inadequate or inappropriate for your situation. We’ll review what you have, what you need, and whether it should be inside or outside your super.

Super contribution strategy

We’ll help you understand whether you should be making extra contributions, salary sacrificing, using spouse contributions, or other strategies to boost your super in tax-effective ways.

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How we sort out your super

We find everything

We’ll search for any lost or forgotten super accounts, find out what you currently have across all your funds, and get a complete picture of your superannuation situation. This usually uncovers accounts people didn’t even know existed.

We analyse what you’ve got

We’ll review your current funds, fees, investment options, insurance within super, and employer contributions. We’ll identify what’s working, what’s not, and where you’re potentially losing money to unnecessary fees or poor performance.

We recommend changes

We’ll explain what should change and why – whether that’s consolidating funds, switching investment options, adjusting insurance, or setting up contribution strategies. Everything in plain English, no super industry jargon.

We handle the paperwork

Super consolidation and changes involve a lot of paperwork. We’ll handle it all for you – rollover forms, fund transfers, insurance applications, employer notifications. You don’t have to chase anything or fill out complicated forms. We’ll get it done and keep you updated.

Not Sure What You Need? Book a Free Meeting

Real super situations we’ve fixed

Here are some examples of how we’ve helped Bendigo locals sort out their superannuation.

I had super in five different funds and didn’t even realise
A 45-year-old tradie had changed jobs six times over 20 years and never thought about consolidating his super. When we did a search, we found five different accounts with a combined balance of $180,000—but he was paying fees to all five funds and had insurance in three of them that overlapped. We consolidated everything into one fund, saved him over $2,000 a year in unnecessary fees, and cleaned up his insurance so he wasn’t paying for duplicate cover. His super is now growing faster, and he only has to deal with one statement.
My employer hadn’t paid my super in over a year
A client came to us for financial planning, and during our super review we discovered her employer hadn’t made superannuation contributions for 14 months. She had no idea – she just assumed it was being paid. We contacted her employer, escalated to the ATO when they didn’t respond, and recovered over $12,000 in unpaid super plus interest. Now we monitor her super quarterly to make sure it never happens again.
I didn’t know I could salary sacrifice and save thousands in tax
A client earning $95,000 a year was paying a lot of tax and not maximising his super. We showed him how salary sacrificing $10,000 a year into super would save him around $2,500 in tax while boosting his retirement savings. He’s been doing it for five years now – that’s $12,500 in tax saved and $50,000 extra in his super, all from a simple strategy he didn’t know existed.

25+ years of experience

Local Financial Partner

Proud FAAA Member

Ready to sort out your super?

Book a free first meeting and we’ll help you figure out what’s happening with your superannuation and what needs fixing.