How we help


The first and most important step in the process. Once set, we can plan to achieve them.


We can figure the magic number you need to reach so you can retire or make work optional.


Using a downsizing strategy can be a tax effective way to sell your home and boost your super.


We brainstorm different retirement strategies so you retire sooner or retire with more.


We keep you up to date and alert you of any opportunities that can help you retire earlier.


Using a reverse mortgage will allow you to access the capital in your home for your retirement. 


We crunch the numbers to figure out when you will b able to retire or make work optional.


We maximise your entitlement so you're eating into less of your own savings or investments. 


We make sure you get the most from aged care and in the best position in your final years. 

Why is superannuation important

Tax effectiveness 

Superannuation is the most tax effective way to save for your retirement. Super contributions and earnings are taxed at a flat rate of 15%. Capital gains are also taxed at 15% or 10% if assets are held longer than 12 months.


When certain conditions are met, you can convert your super into an account based pension with a tax rate of 0% for earnings and capital gains. This is a legal tax haven. 

Super asset are protected

Superannuation are held in special trusts and are protected in most cases from creditors. The rules and restriction seek to protect your super assets.

Superannuation funds are also have certain protections and guarantees for acts against fraud.

Estate Planning

Superannuation is a non-estate assets and does not form part of the assets that are distributed by the will. There is an exception in NSW with the nominal estate provisions.

This means super are usually outside the powers of the will and challenges by family members, which are usually successful.  

The Power of Compounding

The most powerful force in the universe is compound interest. This quote was credited to Einstein, which is probably not correct however it hints at the power of compounding.

The low tax structure of the super allows for effects of compounding to be enhanced. Higher returns and long investment periods will see your wealths soar. 

Why get superannuation and SMSF advice from Whole Wealth


We are one of the rare independent financial planners in Australia. 


We continuously improve our services to make your life easier. 


We are all degree qualified in our field. We have decades of experience and training.


We pride ourselves on our advice because we take the time to get to know you.  

Superannuation Articles

October 8, 2018

When You Don't Have a Pair of Magical Ruby Slippers Like Dorothy

Current US tax laws do not provide any definitive guidance on the US tax classification and treatment of hybrid foreign retirement plans such as an Australian Superannuation Fund (“ASF”). In June 2015, the IRS issued a series of Private Letter Rulings (“PLRs”) to individual taxpayers holding that beneficial interests in foreign superannuation funds would be classi...

July 25, 2018

Given that self-managed superannuation funds (SMSFs) enjoy substantial tax concessions, it comes as no surprise that the Australian Taxation Office wants to ensure trustees play by the rules and don't take advantage of the system.

Hence the existence of independent SMSF auditors, whose role is to check compliance and maintain the integrity of the SMSF sector through yearly audits.

From July 1, 2019, this will change for eligible...

July 20, 2018

While retirement has always signalled a big change in people's lives, there was a time when the financial decisions surrounding retirement were less complex.

Spend your career working for the same company and retire with your family home loan repaid. Perhaps you had some savings in the bank earning a decent interest rate, and your employer's defined benefit plan would provide a reliable income stream in retirement, supplemented...

July 7, 2018

New research has revealed that more pension money is being sent across the ditch, from Australia to New Zealand, than to any other country around the world.

The study was carried out by foreign exchange provider WorldFirst and revealed that almost one fifth of all pension-type transfers that were made in Australia last year, made their way across the Tasman Sea.

WorldFirst analysed thousands of its customers pension transfers be...

June 26, 2018

There is such a thing as free money. From the government. But there are some strings attached!

You may not be aware that the Federal Government runs a program called a ‘co-contribution scheme.’ The scheme rewards people for making non-concessional contributions to their super funds. Rewards are only available to people on relatively low incomes, who traditionally are discouraged from making extra contributions into super. That...

June 2, 2018

On 24 May 2018, the Minister for Revenue and Financial Services announced the beginning of a 12-month Superannuation Guarantee Amnesty (the Amnesty) and introduced the associated legislation to parliament. The legislation is intended to apply retrospectively once enacted.

The Amnesty is a one-off opportunity for employers to self-correct past super guarantee(SG) non-compliance without penalty. The Amnesty will be available from...

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Where do I get independent Superannuation Advice?

Superannuation Advice in Brisbane CBD

Level 3, 155 Queens St, Brisbane, QLD 4000

Superannuation Advice in Sydney

Level 2, 11 York St, Sydney, NSW 2000

Superannuation Advice in West End, Brisbane

MPR Room, 11 Beesley St, West End, QLD 4101


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