Financial services
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 Services Group, 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:
- Understand your current super position across all funds
- Ensure your fund structure matches your goals and stage of life
- Optimise your contributions strategy
- Improve your investment allocation and performance
- Reduce unnecessary fees and inefficiencies
- Build a clear retirement plan around your super
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 (Current & Upcoming Changes)
Understanding contribution caps is essential to maximising your super while avoiding unnecessary tax.
Current contribution caps (2025–26 financial year):
- Concessional (pre-tax) contributions: $30,000 per year [ato.gov.au], [superguide.com.au]
- Non-concessional (after-tax) contributions: $120,000 per year [ato.gov.au], [superfind.com.au]
- Bring-forward rule: Up to $360,000 over 3 years (subject to eligibility) [superannua…alc.com.au]
These caps include contributions across all your super funds combined.
Changes from 1 July 2026 (ATO indexed increases):
- Concessional cap increasing to: $32,500 per year [ato.gov.au]
- Non-concessional cap increasing to: $130,000 per year [ato.gov.au]
- Bring-forward limit increasing to: up to $390,000 over 3 years [superguide.com.au]
These increases create additional opportunities to grow your super in a tax-effective environment.
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.
Without the right advice, this can lead to:
- Lower long-term returns
- Higher fees
- Missed tax advantages
With the right strategy in place, your super can become a powerful tool for building long-term wealth.
Who We Work With
We provide superannuation advice for:
- Professionals growing their wealth
- Individuals consolidating multiple funds
- Pre-retirees planning their exit strategy
- Retirees managing income streams
- Veterans and Defence personnel
Book an Appointment
Contact our team at Apex Financial Services Group via our form below or through our contact us page to speak with an experienced financial adviser
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.