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Superannuation Advice Before Retirement, Online Australia-Wide
For most people, super is one of the largest assets they hold when they stop work. The decisions made in the 10 to 15 years before retirement shape what it can do later: how much goes in, where it is invested, what insurance it pays for and how it becomes an income. Silverloom Advisory Group is a Sydney-based financial planning practice advising clients online across Australia.
Who we help
- People in their 40s, 50s and early 60s who want their super working towards a retirement date
- Couples with balances spread across several funds, or very different balances
- Business owners whose super has taken a back seat to the business
- People who have changed jobs and want to know what they hold and what they are paying
Who we help
- People in their 40s, 50s and early 60s who want their super working towards a retirement date
- Couples with balances spread across several funds, or very different balances
- Business owners whose super has taken a back seat to the business
- People who have changed jobs and want to know what they hold and what they are paying
What superannuation advice covers
| Area | What we look at |
|---|---|
| Contributions | Salary sacrifice, personal deductible and after-tax contributions, catch-up contributions, spouse contributions and downsizer contributions |
| Fund and investment option | Fees, investment mix and risk relative to your timeframe, and whether consolidating accounts makes sense |
| Insurance in super | What cover you hold, what it costs your balance, and whether the policy definitions suit you |
| Retirement income | How and when your super becomes an income, including transition to retirement and account-based pensions |
| Estate planning | Beneficiary nominations and how death benefits may be taxed |
| Self-managed super funds | Whether an SMSF suits your circumstances, and the trustee obligations if it does |
What superannuation advice covers
| Area | What we look at |
|---|---|
| Contributions | Salary sacrifice, personal deductible and after-tax contributions, catch-up contributions, spouse contributions and downsizer contributions |
| Fund and investment option | Fees, investment mix and risk relative to your timeframe, and whether consolidating accounts makes sense |
| Insurance in super | What cover you hold, what it costs your balance, and whether the policy definitions suit you |
| Retirement income | How and when your super becomes an income, including transition to retirement and account-based pensions |
| Estate planning | Beneficiary nominations and how death benefits may be taxed |
| Self-managed super funds | Whether an SMSF suits your circumstances, and the trustee obligations if it does |
Contributions: the 2026-27 caps
Contributions are capped, and going over a cap can mean extra tax. For 2026-27 the ATO caps are:
- Concessional (before-tax) contributions: $32,500 a year. Employer contributions and salary sacrifice both count.
- Non-concessional (after-tax) contributions: $130,000 a year, depending on your total super balance.
- Downsizer contributions: up to $300,000 per person from age 55 when you sell an eligible home. These do not count towards the caps.
If your total super balance was below $500,000 at 30 June last year, unused concessional cap amounts from up to five previous years may be available. Caps are indexed and change, so we confirm the figures that apply at the time of advice.
Choosing a fund and investment option
Funds differ on fees, investment options, insurance and service. Past performance is not a reliable indicator of future performance, so we look at fees, the investment mix and how well the risk fits your timeframe.
Changing funds can mean losing insurance cover or other features. Before recommending any change, we compare your current fund with the alternative, including what you would give up.
Choosing a fund and investment option
Funds differ on fees, investment options, insurance and service. Past performance is not a reliable indicator of future performance, so we look at fees, the investment mix and how well the risk fits your timeframe.
Changing funds can mean losing insurance cover or other features. Before recommending any change, we compare your current fund with the alternative, including what you would give up.
Insurance inside super
Premiums paid from super reduce your retirement balance, and cover inside super can use narrower definitions than a retail policy. We look at what you hold, what it costs and whether it suits your circumstances. See Should your life insurance be inside super?
Turning super into an income
From age 60, a transition to retirement income stream may let you draw on super while still working. Once you retire, super can be moved into an account-based pension, subject to the transfer balance cap of $2.1 million from 1 July 2026. How your super, savings and any Age Pension entitlement fit together is part of the advice.
Self-managed super funds
An SMSF gives trustees control over investments. It also brings legal obligations, an annual audit, administration costs and the need for a documented investment strategy. For many people, a public offer fund or platform does the job at a lower cost. Where an SMSF is being considered, we assess whether it is appropriate for your balance, time and circumstances before anything is set up.
How the process works
- A free 20 to 30-minute phone call about what you want to achieve
- A detailed consultation over Microsoft Teams, with documents uploaded through a secure portal
- Analysis and modelling of your current position against the proposed strategy
- A Statement of Advice setting out our recommendations, the costs and what you would give up in any change
- Implementation, if you decide to proceed
- Ongoing reviews, if you choose them
How the process works
- A free 20 to 30-minute phone call about what you want to achieve
- A detailed consultation over Microsoft Teams, with documents uploaded through a secure portal
- Analysis and modelling of your current position against the proposed strategy
- A Statement of Advice setting out our recommendations, the costs and what you would give up in any change
- Implementation, if you decide to proceed
- Ongoing reviews, if you choose them
Frequently asked questions
Should I consolidate my super accounts?
Consolidating can avoid paying two sets of fees. It can also cancel insurance attached to the account you close, so cover should be checked before any rollover.
Can I put more into super before I retire?
Usually, within the caps above. Salary sacrifice and personal deductible contributions count towards the concessional cap.
When can I access my super?
Generally from age 60 once you meet a condition of release, such as retiring or ending an employment arrangement. From 65, super is generally accessible whether or not you are still working.
Do I need an SMSF?
Most people do not. It depends on your balance, what you want to invest in and the time you can commit as a trustee.
How much does superannuation advice cost?
A one-off financial plan generally costs $3,000 to $4,000 plus GST, depending on complexity. You receive a fixed quote before you commit, and the first call is free. How we are paid is set out in our Financial Services Guide.
Do I need to live in Sydney?
No. Advice is delivered online, Australia-wide.
Related reading
- When should you start retirement planning?
- Extra super or extra mortgage repayments?
- Retirement planning advice
General advice warning: This page contains general information only and does not take into account your objectives, financial situation or needs. Consider whether it is appropriate for you and read the relevant Product Disclosure Statement and Target Market Determination before making a decision.
Last reviewed: October 2026
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