Superannuation
Superannuation Advice in Melbourne
Make sure your super can go the distance
You've worked hard for your money, including the part set aside for later life. But between fund choices, fees, contributions and investment options, it isn't always easy to know whether your super still fits your needs.
Our Melbourne financial advisors help you understand what you've already got, identify the decisions worth reviewing and connect your superannuation with your wider goals. Whether you're building savings alongside a mortgage and family commitments or getting closer to retirement, we'll help you work through the options.
How We Can Help With Your Super
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Review your existing fund, investment options, fees and insurance.
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Consider contribution strategies within the relevant rules and caps.
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Compare consolidation options and the benefits you could lose by switching.
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Connect your super strategy with retirement income and other financial priorities.
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Discuss whether an SMSF is appropriate, including the costs and responsibilities involved.
Look Beyond the Balance
A bigger balance is only part of the picture. Your investment mix, fees, insurance and access to your money all deserve attention.
Before changing funds or combining accounts, check what you'd gain and what you might give up. A decision that suits someone else may not suit your circumstances.
Superannuation Advice FAQs
What Can a Financial Advisor Help Me With?
An advisor can help you understand your current super, compare relevant options and consider how contributions, fees, insurance and investments fit your circumstances. At Frontier, we connect those decisions with your wider financial plan and explain the scope and cost of advice before you proceed.
Should I Combine My Super Accounts?
Combining accounts may reduce duplicate fees and make super easier to manage, but it isn't automatically the right move. Check insurance, fees, fund features and any benefits you could lose before transferring. Take particular care with defined benefit accounts and don't cancel existing cover before checking your options.
Should I Make Extra Contributions to Super?
That depends on your income, available cash, debts, goals and when you may need the money. Contribution caps and eligibility rules apply. Employer contributions, salary sacrifice and personal contributions claimed as a tax deduction count towards your concessional cap, so check the total before adding more.
Which Super Investment Option Is Right for Me?
There's no single option that suits everyone. Consider your timeframe, comfort with market falls and the role super plays in your overall plan. Compare fees, features and longer-term performance, not just last year's returns. Investment returns aren't guaranteed, and the right balance may change over time.
Connect Your Super With the Rest of Your Life
Extra contributions need to fit around day-to-day spending, a cash buffer, debts and other goals. Our financial planning service helps bring those decisions together. If you're approaching life after work, explore our retirement planning advice and pre-retirement planning guide.
Not sure what to ask? Start with a conversation with our Melbourne financial advisor team. Bring your latest super statement and the questions on your mind. We'll help you understand the next steps and what advice would involve.
For independent information, see ASIC Moneysmart's guide to consolidating super and the ATO's concessional contributions cap guidance.
General information only. Your circumstances and the current rules need to be considered before making financial decisions.
Discover where else Frontier Financial Group can help you go today.
Talk to Us About Your Superannuation
