Superannuation
Your superannuation is one of your most valuable long-term assets. Getting it right can be the difference between simply retiring and retiring with confidence.
At Apex Financial Advice, we provide strategic superannuation advice to help you make smarter decisions about your retirement savings, both now and into the future.
We work with you to simplify the complex, align your super with your goals, and ensure you are making the most of every opportunity available.
How We Help You With Superannuation
Superannuation isn’t just about where your money sits, it’s about how it’s structured, invested and managed over time.
Our advisers help you:
We focus on bringing clarity to your situation and helping you take control of your financial future.
Super Fund Review & Consolidation
We assess your current funds and review:
- Performance
- Fees
- Duplication of accounts
We then help simplify and consolidate where appropriate.
Contributions Strategy
We help you maximise your super through:
- Concessional (pre-tax) contributions
- Non-concessional (post-tax) contributions
- Spouse contributions
- Downsizer contributions
- Contribution caps
- Timing strategies
Contribution Caps
Understanding contribution caps is essential to maximising your super while avoiding unnecessary tax.
Current contribution caps (2026–27 financial year)
- Concessional (pre-tax) contributions$32,500 per yearato.gov.au
- Non-concessional (after-tax) contributions$130,000 per yearato.gov.au
- Bring-forward ruleUp to $390,000 over 3 years(subject to eligibility) superguide.com.au
These caps include contributions across all your super funds combined.
At Apex, we help you
- Plan contributions around cap changes
- Take advantage of timing opportunities before and after 30 June
- Ensure you stay within limits while maximising tax benefits
Strategic contribution planning, especially around financial year end can significantly improve your long-term retirement outcomes.
Investment Strategy
Your super investments play a critical role in long-term growth.
At Apex, we:
- Review your current investment options
- Align your portfolio with your risk profile and timeframe
- Ensure your strategy supports your retirement goals
Retirement Planning
We help you turn your super into a clear and structured retirement plan by:
- Forecasting retirement income
- Structuring pension accounts
- Planning tax-effective withdrawals
- Ensuring you are receiving any social security payments you are entitled to
Insurance Inside Super
We review your existing cover to ensure it aligns with your needs, including:
- Life insurance
- TPD (Total and Permanent Disability)
- Income protection
Why Superannuation Advice Matters
Many Australians have multiple super funds, unclear investment strategies, or are not fully utilising contribution opportunities.
With the right strategy in place, your super can become a powerful tool for building long-term wealth.
Without the right advice, this can lead to:
Who We Work With
We provide superannuation advice for:
Financial resources
Free calculators and planning tools. They open on the Moneysmart website.
FAQs: Superannuation
How do I know if my super fund is performing well?
We assess your fund based on performance, fees, investment strategy and suitability for your goals, not just returns alone.
Should I consolidate my super funds?
In many cases, consolidation can reduce fees and simplify management. However, it’s important to review insurance and benefits before making any changes.
How much should I be contributing to super?
This depends on your income, goals, and tax position. We help you determine the most effective contribution strategy based on your circumstances.
What is the difference between an industry fund and a retail fund?
Industry funds are typically run for members
Retail funds are offered by financial institutions
Both can be appropriate depending on your situation, we help you choose the right structure.
When should I start planning for retirement?
The earlier the better. Small improvements made early can significantly improve long-term outcomes.
Our financial advisers
A professional team of industry leaders, personally trained by our director to put your interests first.
- Bachelor of Commerce
- Diploma and Advanced Diploma of Financial Planning
- Self Managed Super Fund Accredited
- Bachelor of Business Management
- Graduate Diploma of Financial Planning
- Master of Financial Planning
Book an Appointment
Contact our team at Apex Financial Advice via our form below or through our contact us page to speak with an experienced financial adviser