Who Superannuation Planning Is For
Superannuation plays a different role at every stage of life, and your strategy should evolve with it. Our superannuation planner is designed for Australians who want clarity, confidence, and a plan that actually supports their long-term lifestyle goals.
We provide superannuation guidance for individuals at every age and financial stage, including:
Early in your career
We help you make sure your super is growing properly, invested well, consolidated where appropriate, and not being drained by unnecessary fees or lost accounts.
In your midlife or family years
We help you balance mortgages, kids, and career responsibilities while maximising your peak earning years and keeping your super on track.
Approaching retirement
We support you in preparing for major financial decisions, including tax planning, pension strategies, and structuring your retirement income with confidence.
Self-employed or running a business
We help you build a consistent, tax-effective contribution strategy that works alongside your business cash flow.
Uncertain about your current position
We give you clear advice that helps you understand where you stand and how to improve your trajectory.
Superannuation Planner: What We Help You With
We help you take control of your super with evidence-based guidance that aligns with your lifestyle and long-term goals. Whether you’re just starting to focus on your super or preparing to transition into retirement, we help you make informed decisions that strengthen your position now and into the future.
With superannuation planning, we help you:
- Model your future position and understand the trajectory of your super balance.
- Optimise contribution strategies (salary sacrifice, personal contributions, spouse contributions and catch-up rules).
- Align investments with your goals by matching your investment mix to your risk profile and timeframe.
- Consolidate multiple accounts to reduce fees and simplify management.
- Review fees, performance and insurance to ensure everything is working efficiently.
- Track down lost or unclaimed super held by the ATO.
- Apply pre-retirement and transition strategies, including TTR, tax planning and pension structuring.
- Integrate super with your broader financial plan across investments, business structure and estate planning.
Choosing the Right Adviser
How to Choose an Adviser You Can Rely On
The adviser you choose directly influences your long-term retirement outcome. Superannuation rules, investments and tax legislation evolve, which is why working with a qualified professional ensures your strategy remains aligned with your goals.
With the 360FS team, you’ll work with licensed financial planners who specialise in superannuation and retirement planning, providing clarity, confidence and complete transparency.
When choosing an adviser, look for:
- Professional qualifications and ASIC registration. You can search the register here
- Clear, transparent fees
- Authorisation under an AFSL
- Proven experience and strong client outcomes
- With the right adviser, your super is not just managed, it’s maximised.
Superannuation at Every Stage of Life
Your superannuation needs change as your life does. From building momentum in your career to juggling family commitments or getting ready for retirement, having the right strategy can make a real difference to your long-term wealth. We customise your super plan to where you’re at right now, so you can make confident, informed decisions at every stage of your journey.
When You’re Starting Out
Small decisions today can create major differences at retirement.
We help you:
- Understand your current trajectory
- Set up effective contribution strategies
- Align investments with your risk profile
- Consolidate accounts
- Review insurance inside the super
- Recover lost or unclaimed super
Outcome: A simple, efficient superstructure that grows consistently over time.
Midlife & Family Years
This is a crucial time to strengthen your retirement position.
We help you:
- Adjust your investment strategy for growth
- Maximise contributions with catch-up concessional rules
- Align super decisions with property, business or investment goals
- Access available government incentives
- Update insurance as responsibilities evolve
- Rebuild contributions after career breaks
Outcome: Confidence that your super continues to grow, even during busy financial years.
Approaching Retirement
As retirement nears, the focus shifts to protecting your balance, managing tax and creating sustainable income.
We guide you through:
- Transition-to-retirement (TTR) strategies
- Structuring pension payments for stable, long-term income
- Simplifying and consolidating accounts
- Balancing defensive and growth investments
- Planning lump sum withdrawals
- Integrating super with estate planning
Outcome: A clear, tax-effective retirement strategy that supports your lifestyle.
Self-Employed or a Business Owner
When you work for yourself, a super isn’t automatic, and it’s often neglected. Many self-employed Australians have significantly lower super balances or none at all.
We help you:
- Set up consistent, manageable contributions
- Claim contributions as a tax deduction
- Make larger contributions during strong business periods
- Catch up on missed years using carry-forward rules
- Integrate super with your business and investment structures
- Explore SMSF options if suitable
Outcome: A flexible, tax-effective super strategy that builds long-term security alongside your business.
Why You Should Invest in Your Superannuation
Why Investing in Your Super Can Transform Your Future
Superannuation is one of the most powerful wealth-building tools available to Australians, yet many people don’t realise just how much it can influence their long-term lifestyle. According to the Association of Superannuation Funds of Australia’s Retirement Standard, a comfortable retirement requires around $595,000 in savings for a single person and $690,000 for a couple. Reaching those figures is far more achievable when your super is structured well, invested wisely, and supported by a consistent contribution strategy.
Investing in your super is about taking advantage of tax benefits, compounding returns, and investment opportunities that grow your wealth more efficiently than most personal savings strategies. Salary sacrifice and personal deductible contributions can help reduce your taxable income while boosting your retirement balance, and ensuring your investment mix matches your timeframe and risk appetite helps your super grow with purpose instead of sitting idle.
Superannuation also plays a key role in diversifying your long-term investments. Inside Super, your money can be invested across shares, property, bonds, managed funds and more, giving you access to a broad investment base that’s designed for steady, sustainable growth. Over time, these returns compound, meaning small decisions today can dramatically increase the income you have in retirement.
Most importantly, investing in your super is about building financial independence and protecting your future. Whether you’re aiming for a comfortable lifestyle in retirement, wanting to support your family, or simply making sure your money works harder for you, a well-planned super strategy brings clarity, confidence, and long-term security. And no matter when you start, it’s never too late to make meaningful progress toward the retirement you deserve.
Frequently Asked Questions
Should I consolidate my superannuation funds?
Having multiple super accounts often means paying duplicate fees and managing several sets of insurance policies. Consolidating your super can simplify your finances, reduce costs, and help your balance grow faster. Before you combine funds, it’s important to understand whether you’ll lose any insurance benefits or incur exit fees.
What’s the difference between concessional and non-concessional contributions?
Concessional contributions are pre-tax contributions, such as employer superannuation payments and salary sacrifice arrangements. These are taxed at 15% inside super, which is usually lower than your income tax rate. Non-concessional contributions are after-tax payments you choose to add to your super. Both types can help boost your balance, but they have different rules and limits that should be considered as part of your strategy.
Is my super safe during market volatility?
Superannuation is designed for long-term growth, which means short-term market ups and downs are expected. Your investment mix (such as conservative, balanced, or growth options) plays a major role in how your super behaves during volatility. A clear investment strategy aligned with your risk appetite and retirement timeframe helps ensure your super stays on track despite market changes.
Can I access my super early?
Superannuation is designed to stay invested until you reach your preservation age or meet specific eligibility criteria. In limited circumstances, such as severe financial hardship or compassionate grounds, early access may be possible. These rules are tightly regulated, so it’s important to understand the implications before applying.
How often should I review my superannuation?
Super shouldn’t be a “set and forget” asset. Reviewing your super annually, or when your circumstances change, helps ensure your investment mix, contributions, insurance, and fees remain appropriate. Regular check-ins can make a significant difference to your long-term balance.
Is advice worth it for a super if I’m not close to retirement?
Yes. The earlier you make informed decisions about your super, the more time your money has to benefit from compounding returns. Even small adjustments to your contributions, fees, insurance cover, or investment strategy can significantly improve your retirement outcome.
We’re Here to Help with Your Questions and Enquiries
Please complete the form below with your enquiry details, and one of our team members will get back to you as soon as possible. We look forward to assisting you.
