Yes! The earlier you engage with your super, the more time it has to grow. Small changes now — like consolidating accounts or adjusting investments — can have a big impact on your retirement.

Absolutely. It’s never too late to take control. We’ll assess your current position and help build a strategy to get you where you want to be, whether retirement is 5 or 20 years away.

Life insurance pays a lump sum to your loved ones if you pass away. Income protection pays a monthly benefit if you’re unable to work due to illness or injury. Both serve different but important roles in protecting your financial wellbeing.

Trauma insurance pays a lump sum if you’re diagnosed with a serious medical condition like cancer, stroke, or heart disease. It helps cover medical costs, time off work, or lifestyle changes while you recover.

TPD provides a lump sum if you become permanently disabled and can’t return to work, while trauma cover focuses on specific medical conditions and is often paid even if you can eventually return to work.

That depends on your income, debts, family situation, and lifestyle. We’ll help you calculate the right level of insurance so you’re protected without overpaying.

Many super funds include default insurance, but it might not be enough or tailored to your needs. We’ll review your current cover and recommend adjustments if needed.

Not at all. Financial advice is for anyone who wants to make better decisions, reduce stress, and feel more confident about their future — no matter where they’re starting from.

We recommend reviewing your financial plan and insurance every 12 months — or sooner if there are major changes in your life, like a new job, buying property, or starting a family.