Superannuation & SMSF Advice in Sutherland Shire
Helping locals across the Sutherland Shire and Greater Sydney make sense of super by explaining the options, mapping out strategies, and showing how today’s decisions affect tomorrow’s retirement income.
Not Sure Where to Start with Super?
Superannuation is one of the biggest assets most Australians will ever own, but for many, it’s also the most confusing. Rules change, statements pile up, and people often don’t look at their fund seriously until retirement is only a few years away. One sitting with me will make everything super-related lucid.
What Super-Specific Services Do I Offer?
Superannuation covers a lot of ground, from consolidating old accounts to setting up an SMSF. These are the areas I most often guide clients through:
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Stop paying duplicate fees and insurance premiums across multiple accounts by bringing them together into one fund.
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Understand concessional and non-concessional caps, and how to use them to reduce tax while growing your balance.
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Know the exact rules on when and how you can draw down your super without becoming subject to penalties.
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Get advice on whether a self-managed super fund suits your goals, obligations, and appetite for responsibility.
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See how shares, ETFs, and even property can fit inside your fund upon concretising your retirement goals.
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Turn super into an income stream that supports the lifestyle you envision while remaining tax-effective.
Self-Managed Super Fund (SMSF) Advice
Some clients want more control over investments, flexibility with property, or family succession planning. An SMSF can deliver those, but it also comes with strict obligations.
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Guidance on eligibility, setup costs, and annual compliance so you start on solid ground.
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Rules around buying property, including limits on residential, commercial, and Airbnb-style arrangements.
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Strategies for pooling assets, handling contributions, and managing succession when one member leaves or passes away.
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Shares, ETFs, gold, and even cryptocurrency explained with clarity on what’s allowed and what’s not.
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Support with annual reporting, tax returns, and staying compliant with ATO requirements.
Why Do Clients Choose Me for Super Advice?
Choosing an advisor should be based on whether they’ve handled situations like yours and can explain the rules in a way that makes sense. Here’s what my clients value most when it comes to superannuation advice:
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I’ve guided hundreds of clients through superannuation and SMSF decisions across different life stages.
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I break down contribution caps, tax rules, and pension options so you’re never left guessing.
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I’m not aligned with banks or product providers, so my recommendations are made only in your best interests.
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Super rules change, and so does life. I check in regularly to keep your super strategy stable and sustainable.
Client Experiences
Nothing speaks louder than the experiences of people who’ve sat where you’re sitting now.
I’m based in Caringbah, and most of the people I work with live right here in the Sutherland Shire. If you’re nearby, chances are I already have clients in your suburb, which makes it easy to catch up in person when you need to.
What Sutherland Shire Suburbs Do I Serve?
| Alfords Point | Audley | Bangor | Barden Ridge | Bonnet Bay |
| Bundeena | Burraneer | Caringbah | Caringbah South | Caravan Head |
| Como | Como West | Cronulla | Dolans Bay | Engadine |
| Grays Point | Greenhills Beach | Gundamaian | Gymea | Gymea Bay |
| Heathcote | Illawong | Jannali | Kangaroo Point | Kareela |
| Kirrawee | Lilli Pilli | Loftus | Lucas Heights | Maianbar |
| Menai | Miranda | Oyster Bay | Port Hacking | Royal National Park |
| Sandy Point | Sutherland | Sylvania Heights | Sylvania Waters | Taren Point |
| Warumbul | Waterfall | Woolooware | Woronora | Woronora Dam |
| Woronora Heights | Yarrawarrah | Yowie Bay | Kurnell |
If you don’t see your suburb listed, that doesn’t rule you out because I also work with clients across Sydney and the CBD who prefer an advisor close to home in the Shire.
What Financial Planning Services Do I Offer?
Money means different things at different stages of life. These are the areas where I can step in and help take the pressure off:
Transition to Retirement
Structuring your income streams as you ease out of work, while keeping your lifestyle and tax planning on track.
Inheritance Advice
Helping you manage family inheritances in a tax-smart way, so wealth is preserved and distributed as smoothly as possible.
Shares & ETFs
Building and managing portfolios of shares and ETFs, with strategies designed to balance growth potential against sensible risk.
Property Investments
Guiding you on when and how property can play a role in your broader financial plan, including super and tax considerations.
Pensions
Setting up reliable tax-free retirement income streams that give you security today while protecting your financial future.
Aged Care Planning
Supporting families through the complexity of aged care decisions, from costs and entitlements to long-term sustainability.
First Home Buying
Helping younger clients step into the property market with clear strategies on saving, borrowing, and long-term planning.
Ethical Investing
Designing investment strategies that align with your personal values while still focusing on growth and financial outcomes.
Wills & Estate Planning
Ensuring your assets are protected, your wishes are carried out, and your loved ones are supported into the future.
Every plan is personal. I’m not tied to banks or big corporates, and I don’t use rinse-and-repeat templates. The strategies we build together reflect your goals, your values, and the life you want to live.
Most People Don’t Look at Super Until It’s Almost Too Late.
That’s when they realise the rules are complicated and the opportunities they missed can’t be clawed back. My role is to help you use super properly, while there’s still time to benefit. The first step is a quick conversation.
Superannuation & SMSF FAQs
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Superannuation is Australia’s compulsory retirement savings system. Employers must contribute 11% of salary, but relying on this alone often isn’t enough. A financial planner helps you boost your balance through voluntary contributions, investment strategies, and tax planning to ensure that your super supports a comfortable retirement instead of falling short.
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The rules around contributions, investment options, and withdrawals are complex. A financial planner explains strategies in plain English, ensures compliance with changing legislation, and personalises advice to your goals. Their role is to help you avoid mistakes and maximise tax efficiency, so that your super genuinely supports your retirement lifestyle.
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Employer contributions alone rarely build a sufficient balance. Advisers model scenarios to show how concessional (pre-tax) and non-concessional (after-tax) contributions affect retirement income. Salary sacrifice, spouse contributions, and bring-forward rules can accelerate growth. Contribution caps apply, so planning is crucial to avoid penalties while maximising tax savings.
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Super is locked until you reach preservation age, currently 60, and retire. Earlier access is only allowed under strict conditions like permanent disability. Financial planners structure retirement income streams (like account-based pensions) so clients can access funds tax-effectively once eligible, without breaching release rules.
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Super can be invested across shares, property, fixed interest, and cash. The right mix depends on age, risk tolerance, and retirement goals. A financial planner reviews your super’s current investment strategy, compares alternatives, and aligns it with your timeline to retirement to balance growth potential with capital protection.
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Yes. Advice fees that relate directly to earning assessable income through super or investments can be deducted. Fees for estate planning or insurance usually aren’t. Financial planners work with accountants to ensure deductibility is applied correctly to reduce the effective cost of quality advice and boost retirement outcomes.
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Contributing an inheritance into super can be highly tax-effective, but caps, age restrictions, and timing rules apply. Advisors assess whether non-concessional contributions or spouse contribution strategies make sense. Planning ensures you don’t trigger penalties and that inherited wealth genuinely strengthens your long-term retirement income stream.
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Caps, tax rates, and pension rules shift regularly. For example, the concessional cap (current as of 1 July 2025) remains at $30,000. Budget announcements often change super’s treatment in retirement phase. A financial planner tracks reforms and adjusts your strategy so you don’t miss opportunities or get caught by penalties.
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Most Australians are well-served by retail or industry funds. SMSFs suit higher balances and those wanting control over property or alternative investments but come with extra costs and responsibilities. A financial planner compares fund types and advises whether control, flexibility, and costs make an SMSF worthwhile for you.
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Concessional contributions come from pre-tax income (employer super guarantee, salary sacrifice, or personal deductible contributions) taxed at 15%. Non-concessional contributions are from after-tax income, with higher annual caps. Each plays a role in building balances efficiently. Advice helps structure both correctly for tax and retirement planning.