Superannuation is one of the most important tools Australians have to fund their retirement. Yet, many people don’t realise just how powerful super can be—or how much of a difference the right advice can make. At MLS Financial, we provide personalised Superannuation Advice in Penrith that helps you maximise your retirement savings, reduce tax, and feel confident about your future.
Whether you’re just starting to grow your super, in the middle of your career, or preparing to transition into retirement, our team can help you make informed decisions that align with your goals. With more than 20 years of experience advising individuals and families across Western Sydney, we understand how to turn superannuation from a mystery into a strength.
Superannuation is not just a savings account for retirement—it’s a tax-effective investment vehicle, a long-term wealth builder, and often your biggest asset outside the family home.
The benefits of a well-managed superannuation fund include:
But without proper guidance, many people end up with multiple funds, unnecessary fees, underperforming investments, or missed opportunities to boost their balance.
That’s where expert Superannuation Advice can make a real difference.
At MLS Financial, we provide comprehensive advice to help you take control of your super. Whether your priority is consolidating your accounts, growing your super balance, choosing the right investment strategy, or preparing to draw income in retirement, we’ve got you covered.
We begin with a conversation to understand your current financial position, and where you want to be in the future. Whether your focus is on wanting to tax effectively build wealth, reduce tax, or grow your Superannuation, we want to hear your story so we can provide advice fit for you.
We assess your superannuation as well as other assets and your financial situation to review whether your existing fund is appropriate for you. Our aim for your superannuation is a low cost superannuation account, whilst ensuring you have strong tax benefits and appropriate investments for you.
Boosting your super balance before retirement is one of the best investments you can make. We explore a range of strategies tailored to your cash flow and tax position, including:
We also help you understand your contribution caps, bring-forward rules, and the best way to use any available carry-forward opportunities.
Your super is invested across asset classes like shares, property assets, fixed interest, and cash. Choosing the right mix based on your age, goals and risk tolerance is key to long-term growth. Our advice includes:
Whether you prefer a hands-off approach or want greater control, we help you make informed decisions.
Many super funds provide automatic cover for life insurance, total and permanent disability (TPD), and income protection. However, this cover is not always tailored to your needs. We review your insurance inside super to make sure:
As you approach retirement age, you may become eligible to access your super through a Transition to Retirement (TTR) strategy or convert your balance into an Account-Based Pension. We help you:
Superannuation Advice is beneficial at every life stage. We regularly help:
People in their 30s and 40s
People in their 50s and early 60s
People nearing or in retirement
Our advice is tailored for you, meaning we recommend what’s best for you and not overpaying for benefits you don’t value or need. We help our clients to take control of their superannuation and ensure it’s working for them, not their super fund company.
Here’s why locals trust us with their superannuation:
We can assist you in locating and consolidating lost or inactive super accounts using secure tools linked with the ATO.
It depends on your income, lifestyle goals and retirement age. As a general guide, aiming for a balance of around $1,000,000 for individuals, and $800,000 each four couples by age 65 retirement, provides a comfortable lifestyle for many, but everyone is different. We’ll show you what’s achievable for you and can help you to work out what’s required for you.
Yes, if you’re interested in more control, we can help you explore whether a Retail managed superannuation, or Self-Managed Super Fund (SMSF) is appropriate and walk you through the setup and ongoing requirements.
We can compare your current fund to other options and help you switch if needed. Performance, fees, insurance and flexibility are all considered.
Concessional contributions are pre-tax (like employer or salary sacrifice), while non-concessional contributions are made from after-tax income. Each has its own limits and rules—our role is to help you use these to your advantage.
If you’re ready to make the most of your super, we’re here to help.
Call us today on 1300 791 800 or contact us for a personalised Superannuation Advice consultation. We’ll help you understand your options, take control of your fund, and start growing your superannuation with purpose.
Better decisions now mean a stronger retirement later. Get expert Superannuation Advice in Penrith with MLS Financial.
