Will your super last as long as you do?
Most Australians reach retirement without enough — not because they didn't save, but because no one showed them how to make their super work harder. Find out where you stand in a free 15-minute session.
- Find out if you're on track to retire comfortably
- Maximise your super before you stop working
- Legally reduce tax on your retirement income
Book your free retirement review
A quick, no-pressure call to show you exactly where you stand — and what's possible from here.
General advice only. We respect your privacy — no spam, ever.
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The retirement reality
The super system isn't designed
to make you rich.
Without the right strategy, most Australians will outlive their savings. Here's what's silently working against you.
The average super balance falls well short
The average Australian retires with around $355,000 in super. ASFA says you need $630,000 for a comfortable retirement. That's a $275,000 gap — and most people don't discover it until it's too late to close.
Tax erodes your retirement income
Most people don't realise that your retirement income can be tax free. The right structure can dramatically assist this — but only if it's set up before you stop working.
The window to act is closing
The compounding benefit of good strategy is enormous early — and almost zero in the last few years before retirement. The best time to act is now, not when you're about to retire.
Your super fund isn't working for you
Most default super funds are designed for the average member — not for you. Switching to the right fund and investment option alone can add hundreds of thousands over 10–15 years.
That's the gap between what the average Australian retires with ($355,000) and what ASFA says you need for a comfortable retirement ($630,000) — and most people don't realise it until it's too late.
The good news? With the right structure, that gap can be closed. But only if you start now.
Get my free retirement review →Sources: Average retirement balance — APRA Quarterly Superannuation Industry Publication, September 2025. Comfortable retirement target — ASFA Retirement Standard, 2025 ($630,000 for a single homeowner aged 67).
How it works
Your retirement roadmap in three steps
No jargon, no pressure. Just a clear picture of where you stand — and a practical plan to make your retirement comfortable.
Free retirement review
A 15-minute call to understand your super balance, income, retirement goals and timeline. We'll quickly show you where the gaps are — at no cost and no obligation.
Your personalised plan
We build a retirement strategy around your life — super optimisation, tax minimisation, income planning and investment structure — tailored to your exact situation.
We manage everything
You focus on living your life. We handle the implementation, monitor your progress and adjust as legislation and markets change — so you're always on track.
Who we help
You don't have to be wealthy
to retire comfortably
SmartMoney works with everyday Australians who are approaching retirement and want clarity — not jargon — about whether they're on track.
"The team at Smart Money have been assisting us with financial advice for the past 12 months and have never failed to give us the best advice. They're respectful of our ideas and give sound feedback with a sense of humour — which really helps when dealing with money, markets and our future."
— Riccardo
Client results
Real Australians. Real outcomes.
Don't take our word for it. Here's what our clients say after working with the SmartMoney team.
"Smart Money has given me advice in areas including Loan Products, Superannuation and Managing Debt. The team was great in explaining my options and the benefits/non benefits of each option. Through their knowledge and experience, I felt confident the advice was right for me."
"The team at Smart Money Wealth Management have made our journey to financial freedom easy. Genuine and supportive to their clients, while demonstrating well-planned approaches to wealth in our family. No more living week-to-week."
"It's rare to come across a business that takes pride in its work. The guys at SmartMoney think totally outside of the box which allows for more options when borrowing or investing. When other companies said no, these guys listened and found a way to meet all expectations."
Ready to find out if your retirement is on track?
Book a free, no-obligation 15-minute retirement review with one of our advisors. We'll show you exactly where your super stands — and what a smarter strategy could mean for your future.
Book your free retirement review
A quick, no-pressure call — no jargon, no hard sell, just clarity on your retirement.
General advice only. We respect your privacy — no spam, ever.