07 3556 9400

5 Over 165 Reviews

superannuation Advice

Our superannuation advice services simplify managing your super.

Whether you're just starting out or getting ready to stop work, we’ll help you make the most of your super, so you can enjoy a safe, secure, and comfortable retirement.

Get Super Right

Superannuation is one of the key ingredients needed to secure a comfortable retirement.

Our superannuation advice service simplifies the process, offering expert guidance to help you get the most out of your super.

Whether you’re just starting out or nearing retirement, we tailor our advice to your life stage, unique needs and goals. Let one of our skilled financial advisers handle the complexities, so you can enjoy a financially secure future.

We've Won Numerous Awards for Our Outstanding Service

Financial Adviser Erin Truscott Explains Our Superannuation Advice Services

Erin Truscott, one of our experienced financial advisers, walks you through how our superannuation advice services can help you build a secure financial future. Discover how we tailor our guidance to fit your retirement goals, giving you peace of mind and greater control over your super.

Play Video
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

What Is Superannuation Advice and Why Is It Important?

Superannuation advice is essential for anyone looking to build a strong financial foundation for retirement. Our expert guidance ensures that your superannuation fund is working effectively to secure your financial future. Whether you’re just starting your retirement journey or looking to optimise your existing super strategy, our advice is tailored to help you achieve your goals with confidence.

Having the right superannuation advice is crucial. It allows you to maximise your contributions, align your investments with your long-term goals, and ensure your retirement savings are on track. This personalised advice enhances your financial health and provides peace of mind knowing your future is well-protected.

What Can We Help With?

Our superannuation advice services cover a comprehensive range of areas to ensure your super is optimised for your future needs:

  • Detailed Financial Assessment: We begin by thoroughly assessing your current super balance, contributions, and overall financial situation to tailor our advice to your specific circumstances.
  • Contribution Optimisation: We guide you on how to maximise your super contributions within legal limits, focusing on effective growth strategies and tax optimisation.
  • Investment Strategy Alignment: Our experts help adjust your super investment strategy to align with your retirement goals and risk tolerance, ensuring balanced and sustainable growth.
  • Account Consolidation: If you have multiple super accounts, we assist in consolidating them to reduce fees, streamline management, and avoid lost super balances.
  • Ongoing Strategic Advice: We provide continuous updates and advice to keep your super strategy responsive to changes in your life and the market.

Great Super Advice Can Make All the Difference

Our superannuation advice goes beyond basic management – it’s about empowering you to build a secure and comfortable retirement. Here’s how our services benefit you:

  • Achieve Your Retirement Goals: We work with you to create a plan that effectively grows your super savings, ensuring you can enjoy the retirement lifestyle you’ve always dreamed of.
  • Make Confident Decisions: With expert advice and a clear plan, you can make informed financial decisions, knowing your super is optimised for your future needs.
  • Greater Financial Freedom: Our advice ensures that your superannuation strategy is tailored to your financial goals, giving you the flexibility and control to shape your future.
  • Early Retirement: Our services help you increase your super savings, potentially allowing for an earlier retirement.
  • Security for Your Future: We ensure that your superannuation plan is well-structured and aligned with your long-term financial goals, providing you with confidence and security for the future.

With our superannuation advice, you’re not just managing your super – you’re setting yourself up for the best future possible. Ready to enhance your retirement planning? Contact us today to get started.

Our Success in Numbers

At Direct Wealth, the numbers tell our story. With years of dedicated service, tons of experience, and countless happy clients, we’ve built a reputation for trust and excellence. 

Here’s a look at what we’ve achieved:

Years of outstanding service
0
Happy & successful clients
0 +
Years of collective experience
0
Funds under management
$ 0 B+

Why Choose Us?

We make managing your superannuation easy, ensuring you get the best advice tailored to your needs. Our goal is to simplify the process and help you succeed in building a secure retirement.

Our team of superannuation experts are here to make managing your super easy. 

Instead of trying to figure things out on your own, you get direct access to expert knowledge, insights, and support — the key ingredients for success.

Whatever your super needs, we have the expertise to help you get the best outcome.

Everyone’s financial journey is unique, and so is the service we provide.

Our advisors aim to thoroughly understand your financial situation and retirement goals, so we can design a plan that suits your needs.

Whether you’re looking to optimise your super or find tailored retirement solutions, we’ll provide a strategy that’s perfectly designed for you. 

Managing your super can feel overwhelming, but you don’t have to tackle it on your own.

Our advisors simplify the superannuation process, making it easier for you to make informed decisions.

With our guidance and support, you gain the peace of mind that comes from knowing your super is in expert hands.

Read Our Rave Reviews

These aren’t curated reviews; they’re 100% genuine.
5 Over 129 Reviews
google
Sam and Ella were excellent in providing general information for my parents who are looking to retire. Whilst we aren’t at the stage to utilise the service we are very impressed by their professionalism and genuine care.
google
When it comes to financial advice and strategies to set you up for the future, Luke Youd and his team are the only choice.
google
Initial chat with Ben. Found him very patient, knowledgeable, and easy to talk to. Ben also came across as proactive – when presented non-financial industry information relating to an industry specific risk in a space that was removed from the finance industry, and that he wasn’t previously aware of – Ben indicated that he would go away and investigate that further risk so he could be informed for his other clients. Ben followed through on call times, and emails when he said he would send them. Cannot comment on the service beyond that. Would recommend as someone who was approachable and easy to talk to.
google
Excellent service since the takeover from Peter Jordan, all quire’s handled with professional care and help towards my Superannuation fund.
Cheers Gary Smith.
google
We have been under the financial guidance of Kirsty for our future plans . At first it was such a daunting decision but Kirsty was happy to explain and answer all of our questions in a friendly and open manner. We are very happy to be with the team at Direct Wealth.
google
Just started with this company and my adviser is Erin. So far I like everything about them and her- very friendly, relatable, down-to-earth and approachable. I am glad I found them and looking forward to see what comes next!
google
Ben Marlow from Direct Wealth has been a sound financial advisor for me and my wife for multiple years. Ben’s positive attitude, willingness to adapt and understanding of the financial system have helped us greatly. I highly recommend using Ben and his team.
google
We have been a client for many years and would highly recommend. Kirsty goes above and beyond to assist and makes you feel extremely comfortable and have peace of minds that you are in good hands.
google
Can’t speak highly enough of the advise that Joel & the team at Direct Wealth have supplied. Joel is always available when we need to contact him & answers our questions with ease. We have delt in the past with other super companies & have found Direct Wealth the easiest & most professional to deal with, we have no hesitation in recommending Joel & Direct Wealth to our friends & family.
google
Our association with Luke Youd began around 5 years ago. His advice, guidance and expertise has steered us safely, successfully and profitably to a great semi retired lifestyle, arguably, 10 years or potentially more, ahead of schedule. We count ourselves very fortunate to have Luke in our corner. He has our sincerest thanks. If there were more stars we’d click everyone of them.
google
We had a great experience with our last visit, now that hubby is 67yrs of age, they guided us in a few ways to repay our 2 loans. We couldn’t be happier and alot less stress considering, Warren couldn’t receive his full pension because I’m still working. We highly recommend Direct Wealth to anyone who wants financial advice of any kind. Very professional and understanding. Many thanks to Peter for many years and to Jason, who is now looking after us.
Cheers, Ronona and Warren Cuffe
google
I had an excellent experience with Direct Wealth and Kirsty in setting up my personal insurances. The team are incredibly knowledgeable and took the time to understand my unique needs and circumstances. She explained all my options clearly and helped me choose the best coverage to protect myself and my family. The process was seamless, and I felt confident and well-informed every step of the way.
google
I can’t speak highly enough about Luke. Luke has taken the time to understand our situation and our goals. Luke has a deep knowledge of the market and has an ability to explain complex financial concepts in a way that is easy to understand. Luke is always available to answer any questions we have.
google
Very knowledgeable and experienced team. Provided very professional advice & information & I would highly recommend.
google
Kirsty has recently taken over my superannuation account and I’m very impressed with the service I have received since coming across. I feel very comfortable with Kirsty, I trust her and she has provided open and honest advice. I think Kirsty is a shining star, shows consideration of my needs and is very easy going.
google
Ben Marlow was initially thrust upon us after the amalgamation of our accountants with Direct Wealth and this is without doubt one of the best financial outcomes to have happened to my wife and I. Initially I was sceptical of his enthusiasm and apparent desire to nurture and improve our financial stability moving towards retirement. Ben has tailored his communication style to not only be relatable to us but also educational and has further embedded our trust in his advice with proven outcomes. I would absolutely recommend Ben to any prospective client.
google
My husband and I couldn’t recommend Luke highly enough to look after your financial dealings for your retirement. We feel in good hands with his vast knowledge and his amazing ability to provide us with prompt advice. Luke is astute and has great personality, our catch-ups are never boring 😊
google
Always very helpful and prompt in taking care of our needs. Provide good information on handling of our accounts.
google
My wife and I have had Lyle as a financial advisor for a number of years and watched our portfolio grow. Lyle consistently provides us with excellent advice and his communication is outstanding. He provides us with constant support with the correct guidance extremely quickly when needed.
I have recommended many personnel to Lyle. The feedback I obtain from these personnel is that Lyle is excellent.
google
Since changing over from another Financial Advisor to Direct Wealth two years ago I find them to be a very professional and knowledgeable business. I recently had my yearly review with Ben, and I was very impressed with the way my finances are being looked after. I look forward to my next review. I would certainly recommend Direct Wealth to any interested prospective client.
google
Luke Youd is a quiet genius when it comes to financial affairs. He has an excellent knowledge of tax, legal and Centrelink requirements. He is a huge asset to us in assisting our clients achieve their financial goals. Thanks Luke!
google
The Direct Wealth team were a pleasure to deal with. Kirsty was efficient and extremely flexible with fitting in around my work schedule.

Kirsty broke everything down and made the entire process seamless. Kirsty communicated everything clearly and walked me through step by step which I am so thankful for.

I couldn’t recommend highly enough!
google
I had the pleasure of working with Ben for my financial planning needs, and I can’t recommend him highly enough. From the outset, Ben demonstrated a deep understanding of financial strategies and an impressive ability to tailor his advice to my personal situation. His approach is thorough, clear, and remarkably effective.

Ben took the time to explain complex concepts in a way that was easy to understand and always made sure I was comfortable with each decision. His attention to detail and proactive communication helped me feel confident about my financial future.
google
I had a fantastic experience with Direct Wealth! From the very beginning, I felt comfortable with the entire process. Kirsty and the team were professional, knowledgeable, and always available to answer my questions. They took the time to understand my needs and provided tailored advice that I could trust. I highly recommend Direct Wealth to anyone looking for expert financial guidance. Thank you for your exceptional service.
google
my wife and myself were introduced to Ben Marlow of Direct Wealth for a discussion on looking after our superannuation & pension requirements. I was a little doubtful at first as the fund i was with was performing ok for me. Ben gave us his background on financial planning and we had a second meeting with Ben. After this meeting my wife and myself decided to let Direct Wealth look after our finances. We could not be more pleased with our switch to Direct Wealth as the team there are so helpful and keeping us informed on our financial matters. I would recommend to anyone Direct Wealth for looking after their financial planning.
google
Was my first time seeing a financial advisor and Luke make this process easy and straightforward he was down to earth and realistic, he listened to my dreams and business ideas and he has already in a few days put together the plan for me to get my goals.
I would highly recommend Luke to anyone who is looking to better there financial future.
google
More than happy with Ben’s service. Worked with him for 3 years planning retirement, and I’m now making the transition next month! Very excited and looking forward to working with Direct Wealth moving forward!
google
Our circumstances changed and we needed advice fast. Lyle took the worry and panic away by setting up our portfolio to ensure our future is protected.
Lyle is professional, courteous and truly cares about his clients. His knowledge is exceptional and he is efficient.
Our family has total trust in Lyle and the team at Direct Wealth, knowing that they have our best interests in mind.
google
My wife Jackie & I have recently completed an annual review with Kirsty. Whilst we have been looked after by Kirsty for a few years now we continue to be impressed with her knowledge, professionalism & lovely outgoing manner. We would also like to add that the support & office staff at Direct Wealth appear to be of the same high standard.
google
Today I met with Luke, his understanding of my financial position was very clear. The advice Luke shared with me for my retirement plan was clear and uncomplicated. I now feel much more at ease and confident with my view of the next step in my life. He was very down to earth and friendly to talk with and discuss all my options.
Thank you Luke
google
I’d give more stars if I could…the best service ever! Caillin and Ben H. went above and beyond for me…I couldn’t be happier! Thanks so much for all your hard work! I would highly recommend Direct Wealth…especially Ben and Caillin!
google
Direct Wealth have always had a fantastic, client focused, efficient relationship with their clients, and we are very happy with the way that they interact and work with us to ensure a safe, secure, profitable outcome for us in our retirement.
Their client service is a personal relationship which suits the way we prefer to operate, but it makes our financial planning very easy, yet driven by a professional commitment to best practice in their field.
We are very happy to be clients of Direct Wealth.
google
I was impressed with the level of service and knowledge Lyle and the office team offered me for the obtaining of my first home loan!
Overall, the financial advice I received was invaluable in securing my first home loan! I highly recommend calling Sally to arrange an appointment with Lyle for a master in professional advice for any significant financial commitment or goal!
google
Sam & the Redcliffe team are amazing, they have managed my finances so well I can retire 2yrs earlier than expected.
Cannot recommend them highly enough.
google
I have used these people for a couple of years now i have just entered retirement they helped my transition to retirement run very smooth.
google
I highly recommend Ben Marlow at Direct Wealth. Ben consistently provides outstanding financial advice. His guidance is always timely and informed. He’s been an invaluable partner in navigating our financial journey, offering tailored advice that perfectly suits our current situation. Thanks Ben!
google
Direct Wealth team were patient, knowledgeable and made financial planning understandable . Excellent customer service .
google
Over the course of about 3 years we have become so comfortable with Luke we feel like we are talking to family when we meet. Luke has been honest and straight forward from when we first met and has certainly led us in the right direction in preparation for retirement. Luke always responds quickly when we have a query and is very patient with our quirky ideas. We are very grateful for our relationship with Luke.
google
We have been working with Brett for some years. We first met Brett when we were in need of assistance with super and he helped us navigate our way to the happy future we have today. We have since undertaken full financial planning with Direct Wealth and we are immensely pleased with the guidance and advice. I could not recommend a better financial planner to assist manage your future.
google
Thanks Luke -We are very happy with the past seven years of financial recommendations.
We have worked together to plan our transition to retirement and now this is coming to fruition. So grateful for your assistance.
Your knowledge regarding Centerlink has also been very helpful.
google
My wife and I met with Kirsty and she made us feel at ease with explaining how she would invest our money for retirement and resolved concerns we had. Kirsty was very thorough and made us feel comfortable with our decision to utilise Direct Wealth.
google
I recently had a follow up meeting with Luke Youd who has now joined the Direct Wealth team. As usual the meeting with Luke was very informative and he is always generous with his time to explain things to me – regardless of how obscure my questions might be.

I have great confidence in my dealings with Luke going forward and also with the friendly Direct Wealth staff in general, who are helpful and proactive with their communications with their clients.

Secure Your Future with Expert Superannuation Advice

A couple dance in their kitchen.

We’re dedicated to crafting personalised financial strategies, including expert superannuation advice that ensures your retirement is as rewarding as you’ve envisioned.

Whether you’re exploring superannuation options, aiming to grow your retirement savings, or setting up for a comfortable future, we’re here to guide you every step of the way.

Our goal is to safeguard your present and future financial wellbeing, giving you the confidence to enjoy life to the fullest.

Ready to enhance your super strategy? Contact us today to get started.

Jamie F. 

Satisfied Client

“I had a fantastic experience with Direct Wealth! From the very beginning, I felt comfortable with the entire process. Kirsty and the team were professional, knowledgeable, and always available to answer my questions.

They took the time to understand my needs and provided tailored advice that I could trust. I highly recommend Direct Wealth to anyone looking for expert financial guidance. Thank you for your exceptional service.”

5 Over 164 Reviews

Ready to get started?

The first step is an easy welcome call. This quick and painless chat is all about getting to know one another. You can ask questions and get a feel for whether we’re right for you. 

To get started, simply fill out the form and we’ll be in touch ASAP.

"*" indicates required fields

Name*
What stage of life are you in?*
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
Hidden
This field is for validation purposes and should be left unchanged.

Frequently Asked Questions

Superannuation, often just called super, is a way to save for your retirement. It’s a system where your employer puts a small percentage of your salary into a super fund, which then gets invested to grow over time. This helps to ensure you have enough money to live comfortably when you retire. Super is important because it provides financial security and peace of mind for your future, helping you maintain your lifestyle even when you’re no longer working.

The amount you should contribute to your super depends on your financial goals and retirement plans. 

Getting personalised financial advice can help you determine the optimal contribution level based on your objectives and financial situation.

Typically, you can only access your superannuation once you reach your preservation age and retire. However, there are specific circumstances where you may be able to access your super earlier, such as severe financial hardship or certain medical conditions. It’s important to understand the rules around superannuation and get financial advice to explore your options.

Yes, most superannuation funds offer options to include insurance, such as life insurance, total and permanent disability (TPD) cover, and income protection insurance. Incorporating insurance within your super fund can provide financial security for you and your loved ones. Superannuation advice can help you understand the benefits and choose the right coverage.

Choosing the right superannuation fund involves comparing factors such as fees, investment options, and performance. It’s important to ensure that your chosen fund aligns with your financial goals and offers flexibility for future changes. Getting advice from a financial adviser can help you make an informed decision and provide peace of mind.

Contributing to your superannuation can offer significant tax benefits. For instance, salary sacrificing allows you to contribute pre-tax income to your super, which can reduce your taxable income. Additionally, certain contributions may be tax-deductible, providing further savings. Financial advice can help you understand how these benefits apply to your personal financial situation.

Salary sacrificing is an arrangement where you contribute part of your pre-tax income to your superannuation fund. This reduces your taxable income while boosting your super savings. It’s a tax-effective strategy that can be tailored to your financial goals and future needs. Consulting with a financial adviser can help you set up a salary sacrifice arrangement that fits your objectives.

If you have multiple superannuation accounts, consolidating them into a single account can help you reduce fees and simplify your super management. It’s important to review your options and consider any insurance or benefits you might lose by consolidating. Financial advice can guide you through the process and ensure it aligns with your overall financial plan.

Most superannuation funds offer a range of investment options, including conservative, balanced, and growth portfolios. The choice of investment strategy should align with your risk tolerance and retirement goals. Understanding the product disclosure statement (PDS) of each investment option can help you make an informed decision. A financial planner can assist you in selecting the right investment strategy for your super.

It’s advisable to review your superannuation annually or whenever there are significant changes in your financial situation. Regular reviews ensure that your super is on track to meet your retirement goals and allows you to adjust your investment strategy as needed. Financial advice can provide you with peace of mind, knowing that your super is being managed effectively.

Getting superannuation advice offers numerous benefits, including personalised strategies to maximise your retirement savings, tax optimisation, and informed investment decisions. Professional advice ensures that your superannuation is aligned with your financial goals, providing peace of mind and greater financial security for your future.

When you change jobs, your superannuation savings remain in your super fund unless you choose to move them. You can continue to contribute to the same super account, or you may decide to consolidate your super into a new fund. Getting advice on superannuation can help you manage your super effectively when changing jobs.

 

Your superannuation is invested in a range of assets, such as shares, property, and fixed interest, depending on your chosen investment strategy. The performance of your super is influenced by the market and the specific investments selected by your fund. A financial planner can help you understand how your super is invested and ensure it aligns with your risk tolerance and retirement goals.

A Self-Managed Super Fund (SMSF) is a private superannuation fund that you manage yourself. SMSFs offer more control and flexibility over your investment choices but come with greater responsibilities, such as compliance and administration. Whether an SMSF is right for you depends on your financial situation, goals, and willingness to manage the complexities involved. Getting professional advice is crucial in deciding whether an SMSF is the best option for your retirement planning.

Yes, you can make after-tax contributions to your superannuation, also known as non-concessional contributions. These contributions are not taxed when they enter your super fund and can boost your retirement savings. However, there are limits to how much you can contribute, so it’s important to seek financial advice to ensure you’re making the most of your contributions without exceeding the cap.

 

Superannuation is a key component of your financial plan, providing long-term savings for retirement. It should be integrated with other financial goals, such as estate planning, debt management, and investment strategies. A comprehensive financial plan considers how your superannuation contributes to your overall financial security and helps you achieve peace of mind for the future.