29+ Years advising Australians
6,000+ Clients across the country
$2.5B Funds under advice
6 Offices nationally
Why strategy matters
Super is a vehicle.
Strategy is the driver.
Most Australians have superannuation — but far fewer have a superannuation strategy. The difference is significant. The tax concessions available inside super are some of the most generous in the Australian tax system, yet without deliberate planning, contributions tend to default, investment options go unreviewed, and decades of compounding work well below their potential. A good financial adviser doesn't just review your fund — they help you understand how every dollar entering super interacts with your tax position, your retirement timeline, and the rest of your financial life.
Contribution strategy is where much of the value is created. Concessional contributions — including employer contributions and salary sacrifice — are taxed at 15% inside the fund rather than at your marginal rate, which for many clients represents a significant annual saving. Non-concessional contributions allow after-tax money to be placed into the low-tax super environment. Catch-up contributions, available to those with balances below $500,000, let people who took time out of the workforce or had irregular income make up for lost years. Spouse contributions can equalise balances and improve retirement outcomes for couples. Getting these levers right — and combining them thoughtfully — is where advice creates real, measurable value.
At AGS, super advice doesn't sit in isolation. Our financial planners work directly with our accounting team to understand your full tax picture, ensuring contribution decisions are made in the context of your marginal rate, deductibility position, and the year ahead. If you're exploring a self-managed super fund, that conversation flows naturally into our SMSF advice team. Everything connects — which means the strategy we build for your super is built for your whole financial situation, not just the fund in front of us.
What we cover
Superannuation topics we advise on
Contribution strategies
Mapping out the right mix of concessional and non-concessional contributions each financial year to maximise what goes into your fund at the lowest possible tax cost.
Salary sacrifice
Structuring pre-tax salary contributions to reduce taxable income and accelerate super growth — particularly effective for those in higher marginal tax brackets.
Fund selection & consolidation
Reviewing existing funds for fees, investment performance and insurance, and consolidating multiple accounts to eliminate duplication and reduce unnecessary costs.
Spouse contributions
Using spouse contribution splitting and spousal contribution strategies to equalise balances between partners and improve overall retirement and tax outcomes for the household.
Catch-up contributions
Taking advantage of unused concessional contribution caps carried forward from prior years — especially valuable for those who had career breaks or fluctuating income.
Super & tax coordination
Working with our accounting team to ensure contribution decisions are made with full visibility of your marginal tax rate, deductions and overall tax position for the year.
Who this is for
You might need super advice if you are…
- Within 10 years of retirement and wanting to maximise your balance before you get there
- Self-employed with irregular super contributions and no clear strategy
- Holding multiple super funds and unsure which to consolidate or keep
- Curious about whether a self-managed super fund might suit your situation
- Not sure whether your current contribution level is optimal for your tax bracket
- Wanting to coordinate your super contributions with your broader tax planning
Ready to get more from your super?
Book a conversation with an AGS financial planner to review your current position and explore what's possible.