Superannuation
Superannuation Advice
Superannuation plays an important role in supporting your retirement.
We review your current arrangements, including contribution opportunities, investment options, and fees, to ensure your superannuation remains appropriate to your circumstances over time.
- Industry fund aligned
- Considered contribution strategies
- ngoing review and adjustment
A Clear View of Your Superannuation
- Not sure if your super is performing
- Confused about fees and funds
- Unsure about retirement balance
- No clear contribution strategy
At Greybox Wealth, we provide structured superannuation advice, helping you align your contributions, investments, and overall fund structure with your financial position over time.
Our Approach
Our Approach to Superannuation Advice
Superannuation is a long-term savings structure that should be reviewed as your circumstances change over time.
We help you understand how your superannuation is structured, including the contribution options, investment settings, and relevant tax considerations, so it remains appropriate to your situation over time.
Personalised Super Strategy
A superannuation strategy developed around your financial position, objectives, and stage of life.
Goal-Based Planning
Aligning your superannuation with your broader retirement goals and expected income needs over time.
Risk Management
Ensuring your superannuation investments are aligned to your tolerance to risk and appropriate for your timeframe
Long-Term Monitoring
Regular reviews to ensure your superannuation remains aligned as your circumstances, markets, and legislation evolve.
Independent Fund Selection
Guidance on fund selection based on your needs and circumstances, within a self-licensed advice structure.
Transparent Fee Structure
A clear and straightforward approach to fees, providing visibility over costs and the services you receive.
What We Offer
Our Superannuation Services
Superannuation Investment Planning
Strategic investment planning designed to build a secure retirement corpus and generate sustainable income for your future lifestyle.
Fund Comparison & Switching
Contribution Strategies
SMSF Advice
Strategies designed to minimise tax liabilities while maximising your retirement income and cash flow.
Tax Optimisation
Comprehensive strategies to safeguard your assets and secure your financial future against unexpected risks.
Retirement Income Planning
Careful planning to ensure your assets are distributed according to your wishes while protecting your family’s financial future.
Our Proven Superannuation Advisory Process
01
Initial Assessment
We review your current superannuation arrangements, including your balance, contributions, investment settings, and overall structure.
02
Advice Agreement
We outline the scope of advice and associated costs, allowing you to decide whether to proceed.
03
Strategy Development
We develop a considered superannuation strategy, taking into account contributions, investment approach, and your broader financial position.
04
Plan Presentation
We present our recommendations, clearly explaining the strategy, key considerations, and how it aligns with your objectives.
05
Implementation & Review
We assist with implementing the agreed strategy and provide ongoing reviews to ensure your superannuation remains appropriate over time.
Why Choose Greybox Wealth
- Personalised superannuation strategies
- Regionally based in Bendigo
- Experience with defined benefit schemes
- Self-licensed structure
- Registered with major industry superannuation funds
- Founder-Led Advice
Meet Your Superannuation Specialist
Phillip Monaghan
Phillip’s extensive experience in the financial services industry covers 20 + years across various advising and management roles.
Phillip has spent the majority of his advising career working with clients transitioning into retirement and utilising superannuation and Centrelink to maximise his clients retirement outcomes.
Outside of work, Phil can be found at home looking after his horses and spending time with his wife and two daughters.
Marty Southcombe
Marty has worked in the financial services industry for the past 10 years, starting with the Commonwealth Bank and moving into various other roles within the superannuation industry and the private sector.
Marty has had broad exposure to the financial advice industry. From providing advice on protection needs, to helping clients transition to retirement, and managing wealth portfolios on an ongoing basis.
Marty enjoys spending time with his young family or down at his local – The Golden Square Hotel.
SUCCESS STORIES
How We’ve Helped Clients Grow Their Super
Super Consolidation
Multiple superannuation accounts
Before
Inherited funds and held multiple superannuation accounts, with no clear structure and uncertainty around how best to manage contributions and tax.
Strategy
Consolidated superannuation into an appropriate structure and implemented contribution strategies aligned to their financial position and objectives.
Result
Improved clarity and efficiency of their superannuation, with reduced tax and a greater proportion of their wealth held within a tax-effective environment.
SMSF Advice
SMSF review and investmet strategy
Before
Held an SMSF with a property asset and significant cash holdings, with limited diversification and uncertainty around investment direction.
Strategy
Developed a diversified investment portfolio to complement the property holding and implemented a salary sacrifice strategy to support ongoing contributions.
Result
Established a more balanced and considered portfolio, improving the potential for returns while maintaining alignment with their overall strategy.
Superannuation & Retirement
Retirement planning
Before
Approaching retirement and seeking reassurance that their superannuation could provide a reliable and sustainable income.
Strategy
Developed a tailored investment portfolio focused on generating income, while managing volatility and aligning to their tolerance to risk.
Result
Provided peace of mind around their retirement income, allowing them to focus on their lifestyle with greater confidence in their financial position.
TESTIMONIALS
What Our Clients Say About Our Super Advice
Smart Superannuation Planning Tips
- Start Early Contributions
- Review Funds Regularly
- Minimise Fees
- Maximise Employer Benefits
- Plan for Inflation
What We Offer
Explore Our Related Financial Services
Retirement Planning
Bringing together your superannuation, investments, and income strategies to support a clear and sustainable retirement plan.
Wealth Management
A structured approach to managing your investments, aligned to your goals and overall financial position.
Superannuation Advice
Guidance on contributions, investment options, and fund structure to ensure your superannuation remains appropriate over time.
Insurance Protection
Advice to ensure appropriate cover is in place to support your financial position if your circumstances change.
Centrelink Assistance
Guidance to help you understand your entitlements and how Centrelink integrates with your broader financial position
Superannuation FAQs
What is superannuation and how does it work?
Superannuation is a long-term savings structure designed to support your retirement. Contributions are made over time and invested, with earnings generally taxed at concessional rates within the superannuation environment.
How much should I be contributing to my super?
The appropriate level of contributions will depend on your financial position, goals, and available cash flow. There are caps and rules that apply, so it is important to understand how different contribution strategies may suit your circumstances.
Is a self-managed super fund (SMSF) right for me?
An SMSF can provide greater control over how your superannuation is invested, but it also comes with additional responsibilities and costs. Whether an SMSF is appropriate will depend on your financial position, level of involvement, and the complexity of your needs.
How is my superannuation invested?
Superannuation is typically invested across a range of asset classes, such as shares, property, and fixed interest. The investment option you select should align with your objectives, timeframe, and tolerance to risk.
When can I access my superannuation?
Access to superannuation is generally restricted until you reach a condition of release, such as retirement or reaching preservation age. The rules can vary depending on your circumstances.
Our Blogs
The Biggest Risk in Retirement Isn’t Running Out of Money
Whenever people talk about retirement, the conversation almost always comes
What the Latest Superannuation Changes Mean for Your Retirement Strategy
The Federal Government has recently announced further changes to Australia’s
Superannuation Advice: What You Need to Know in 2026
For many people, superannuation is still something that gets pushed
Arrange a Superannuation Review
Establish a clear and considered approach to your superannuation, aligned to your circumstances and financial position.