Superannuation



Expert Superannuation Advice You Can Trust

I want to make my super count.

After working for your entire adult life, you deserve to embrace retirement. This exciting phase of life is about stepping back, slowing down, and enjoying new adventures. However, you must be prepared to make the most of these years. At Rising Tide, we offer trusted retirement planning solutions. We can guide your retirement journey from superannuation to investments and mortgage services.

Retirement planning is important for all ages. Everyone benefits from expert advice, whether you’re just entering the workforce or stepping off the treadmill for good. Our finance professionals will help to maximise your savings, reduce your taxation, and streamline your investments to set you up for retirement.

Rising Tide helps you to create the perfect superannuation structure.

Contact our team to discuss your superannuation and get started on the road to financial freedom.

Understanding your superannuation needs

Before you make solid financial plans, you need to take stock of your current situation. When discussing superannuation strategies, we learn about you and what you look forward to. Whether you want the best superannuation for young adults or expert advice nearing retirement, we’re here to support your needs.

Regardless of your age, financial health, or stage of life, the following considerations are key:

  • What are your future goals?
  • When would you like to retire?
  • What is your current income?
  • How much debt are you in?
  • What kind of lifestyle do you want?

Superannuation is unique to everyone, so planning needs to be personal. Whether you follow a strict weekly budget or spend like there’s no tomorrow, it’s important to sit down with your financial planner and discuss everything. 

Choosing the right superannuation fund

At Rising Tide, we don’t just offer advice. We deliver superannuation strategies that work with your lifestyle. We treat each client as an individual, unlocking a unique superannuation structure that aligns with your age, income, and life goals. There are many things to cover, whether it’s creating a plan or choosing the right superannuation fund. 

The financial world is changing constantly, and flexibility is more important than ever. You need to move with the times to make the most of your opportunities. Your superannuation structure should change over your career. As a rule of thumb, your policy should be higher-risk while younger and more conservative as you age.

Superannuation strategies to maximise retirement savings

If you want to maximise your superannuation, starting early is important. One of the biggest mistakes people make is leaving their superannuation planning too late. This can limit your retirement account, making it harder to reach your financial goals. 

In many scenarios, people focus on paying off their mortgage before they deal with super. Despite good intentions, this strategy is far from ideal. To have the biggest impact on your retirement, you should create a unified plan that deals with both your super and mortgage funds.

Super structures and contributions

At Rising Tide, we help people implement superannuation strategies to help them achieve their goals. We also help our clients understand all the jargon in the superannuation world better.

There are so many options and strategies available when it comes to superannuation and retirement. For example, you can sacrifice your salary (which will get more into your super and reduce your income tax). Other people choose to clear their mortgage first and then increase their super contributions later in life.

When super was first introduced, the actuaries recommended a mandatory contribution of 15%. Over 20 years later, however, we’re still well below that level. At Rising Tide, everyone should try contributing at least 15% of their income to super. To meet this goal, building assets inside and outside the super environment is important. Financial assets have different levels of liquidity and accessibility, which is why we recommend a multi-pronged approach.

Why Rising Tide is your go-to for superannuation advice in Australia

If you’re looking for superannuation advice in Australia, we would love to help. Our team of qualified, experienced, and trusted financial professionals will find a super plan that aligns with your retirement goals. This involves more than choosing a superannuation fund — it’s about making smart choices to achieve your financial dreams.

Browse our website to analyse financial planning costs, look at success stories, and review our process.

FAQs

1What factors should I consider when choosing a superannuation fund?

2How much superannuation do I need to retire at 60 and live comfortably?

3What are the benefits of consulting a financial advisor about my superannuation?

4At what age should I start planning for retirement?

5Can I manage both my mortgage and super contributions effectively?

Success Stories

  • Photo of Nick Graham

    Nick Graham

    Former Australian rules footballer Nick Graham discusses his Rising Tide journey. Read Nick's full story

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  • Photo of Lyn & Geoff

    Lyn & Geoff

    On reflect 12 months later we are so grateful we had the insurance and the support of Matt... Read Lyn's full story

  • Photo of Sam Rowe

    Sam Rowe

    Former Professional Australian Rules Footballer, Carlton Football Club

    I was lucky enough to meet Matt Hale at a club function. I decided to go in to meet the team and it just felt like a perfect fit. Read Sam's full story

  • Photo of Kane Baker & Rebekah Elmaloglou

    Kane Baker & Rebekah Elmaloglou

    We knew we wanted to put our money to good use, but we didn’t know too much about how to get started, so we sought help from the team at Rising Tide Financial Services. Read Kane's full story

  • Photo of Ben O’Neill

    Ben O’Neill

    I’ve learned so much from working with the team at Rising Tide. They helped me to understand and organise my finances, helped me to put a strategy in place to work towards buying my first home. Read Ben's full story

  • Photo of Tim & Vesa

    Tim & Vesa

    Friends of ours had recommended that we get in touch with Rising Tide Financial Services...Little did we know, it would turn out to be one of the best decisions we’ve ever made! Read Tim's full story

  • Photo of Anthony De Leo

    Anthony De Leo

    Sales Manager, Audio Visual Revolution Pty Ltd

    Having income protection, it’s obviously important in case things go wrong, you’ve got some back up. Read Anthony's full story

  • Photo of Alistair Tubb

    Alistair Tubb

    We’ve managed to get into a home that would allow us to grow which is great. They tied it all in together and it made sense to have a one-stop-shop. Read Alistair's full story

  • Photo of Fenella Wagener

    Fenella Wagener

    PR and Media Manager, Universal Music

    They helped us work out what are our expenses, and how much money can we save a month, and it’s crazy to think how much you can be saving a month! Read Fenella's full story

  • Photo of Trish Curtis

    Trish Curtis

    Self-employed bookkeeper

    Right from the outset, Ali was so easy to work with. There just wasn’t the pressure I had experienced when working with other advisers. Read Trish's full story

  • Photo of Peta Currie

    Peta Currie

    Single parent

    While it’s fantastic to receive the income, I know that all of the paperwork can be really challenging for some people, and Matt has been a fantastic help. Read Peta's full story

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Testimonials

  • Ed Curnow

    Since catching up with Matt, Tom & the team at Rising Tide, both Emily & I feel like we’ve had a chance to get our financial lives in order.

  • Amanda Vallis

    Great team! Braden was especially helpful in getting my finances sorted for my business.

  • Shae Thomas

    Highly recommend the Rising Tide team - friendly, honest guys who have helped me make my financial dreams come to life. Also, they have a bar in their office, which is, you know, great.

  • Bradley Clarke

    Felt 100% care and commitment to my needs. Always highly responsive to requests for information and support. A+

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