OUR SERVICES / Superannuation strategies
Super isn’t just a retirement account; it’s one of your most powerful financial tools. Speak to Coastal for strategic superannuation and SMSF advice so your super works harder for you.
Whether you’re navigating your existing super fund or considering a Self‑Managed Super Fund (SMSF), our superannuation specialists provide strategic, tailored advice to help you make the right choices for your future.
How we can help
Superannuation advice, done with insight.
We guide you through the complexities of superannuation strategy in Australia, helping you understand your options, optimise your fund, and make decisions that fit your life and goals.
Assess your current super position
We begin by reviewing your existing super including your fund, fees, performance and investment options. This gives us a baseline understanding of what’s working, what’s costing you and where there’s opportunity for improvement.
Define your super strategy
Your superannuation strategy should align with your goals, time horizon, and risk tolerance. Whether you’re aiming to accelerate growth, manage risk, or maximise retirement income, we help you chart a path forward.
Use concessional & non‑concessional contributions
We help you structure salary sacrifice, concessional contributions, and non‑concessional contributions (where allowed) so your super grows efficiently and in line with Australian tax rules.
Consider transition, pension & withdrawal strategies
When retirement nears, you’ll need to decide how to draw down or convert your super into income streams. We help with transition-to-retirement strategies, account‑based pensions, and withdrawal planning.
Advise on SMSF setup, structure & management
If SMSF is appropriate for you, we’ll guide you through structuring, investment rules, compliance, administration and governance so your SMSF is robust and aligned with your strategy.
Review, monitor & adapt over time
Super rules, markets and your situation change. We review your strategy regularly, adjust investment options, revisit contribution plans and ensure your super continues to support your goals.
STRATEGIES
Here are key superannuation strategies we use to drive long-term outcomes:
Diversify your super’s investment mix (growth, defensive assets, international shares, alternatives)
Use salary sacrifice to fund your super efficiently and reduce your personal tax burden
Make after‑tax (non‑concessional) contributions where allowable
Apply the “carry forward” rule for unused contribution caps in years when available
Consider downsizer contributions (from sale of property) where eligible
Use a transition-to-retirement pension to access income while still working
Optimise drawdown strategies in retirement (account‑based pensions, income streams)
Use SMSF strategies only where benefit outweighs cost. Keeping governance, compliance and diversification in focus
Monitor fees, performance and tax impact. Small differences compound over time
BENEFITS
Here’s what you gain when you have professional superannuation advice:
Smarter growth of your retirement fund
Your super works harder. Not just in balance, but in structure, tax efficiency and investment alignment.
Clarity & confidence
You understand how your super is invested, why decisions are made and what levers you have to adjust it.
Tax and contribution optimisation
You’ll take advantage of concessional and non-concessional contributions, carry-forward rules and super rules to maximise efficiency.
Pathway to smooth retirement income
With strategic planning, your transition into retirement (or drawdowns) becomes more predictable, sustainable and tax-effective.
Control over your SMSF (if applicable)
Where SMSF adds value, you get structure and guidance so your fund is compliant, robust and suited to your goals.
Peace of mind
Given all the regulatory, market and personal complexities, having expert advice ensures your super strategy stays on track without guesswork.
CONTACT US
Get superannuation advice that aligns with your goals and gives your retirement real momentum.
FREQUENTLY ASKED QUESTIONS
Got questions? We have the answers.
How much should I have in Superannuation?
According to Canstar, here’s the recommended super balance you should have for a comfortable retirement based on your age group:
| Age | Recommended super balance required for comfortable retirement |
|---|---|
| 30 | $54,000 |
| 40 | $143,000 |
| 50 | $257,000 |
| 60 | $415,000 |
If you are worried that you won’t have enough super for your retirement, receiving professional advice and guidance can help you develop strategies to take control of your superannuation assets and achieve better outcomes.
How much can I contribute to my superannuation?
From 1 July 2021:
- The non-concessional contribution cap will be $100,000 to $110,000. Members under 65 years of age may be able to make non-concessional contributions of up to three times the annual non-concessional contribution cap in a single year.
- The general concessional contribution cap is $27,500 for all individuals regardless of age.
It’s important to remember that there are limits to the amount of super you can contribute as well as regulations around contributing. It is always best to seek professional superannuation advice to ensure you adhere to super fund regulations and avoid penalties.
What is a Concessional Contribution?
A concessional contribution is made from before-tax income and is taxed at 15% in your super fund. Common examples of concessional contributions include:
- compulsory employer superannuation guarantee contributions,
- salary sacrifice arrangements, and
- any personal super contributions that you claim as a tax deduction.
What is a Non-Concessional Contribution?
A non-concessional contribution is made from after-tax income and is not taxed in your super fund. Common examples of non-concessional contributions include:
- voluntary additional payments made from your after-tax income,
- any made on behalf of your spouse (married or de facto),
- a government co-contribution.
When can I access my superannuation?
Generally, you must reach preservation age before you can access your superannuation per ATO rules.
| Date of birth | Preservation age |
|---|---|
| Before 1 July 1960 | 55 |
| 1 July 1960 – 30 June 1961 | 56 |
| 1 July 1961 – 30 June 1962 | 57 |
| 1 July 1962 – 30 June 1963 | 58 |
| 1 July 1963 – 30 June 1964 | 59 |
| From 1 July 1964 | 60 |