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Superannuation

Superannuation is one of the most powerful tools you have to build long-term wealth. But too often, it’s overlooked or left to run in the background. With the right structure and strategy, your super can do far more than just sit and grow. It can actively work towards the life you want in retirement. Whether you’re just starting to build your balance, nearing retirement, or managing your own fund, having expert guidance means your super will support your bigger picture.

Superannuation

What you gain from myCEO.

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Confidence in every decision
Have someone in your corner to help weigh up decisions, assess risk, and move forward with clarity. 

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A clearer view of your numbers
Understand what’s working, where the pressure points are, and what your financials are really telling you.

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Ongoing support, not one-off advice
Regular meetings and accountability help keep you focused, aligned, and in control - even when things change.

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Custom reporting and insights
Access reports tailored to your goals, industry, and growth phase, with insights that make sense.

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An external perspective from someone who gets it
We bring experience across industries and business models, so you’re not making decisions in a vacuum.

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Everyone pulling in the same direction
With aligned goals, clear reporting, and regular check-ins, your team can stay focused and accountable at every level.

When your finances become an opportunity, everything else falls into place.
Fewer surprises, smarter decisions, and more money in your pocket, year after year.

Book A Consultation

The right support at every stage of your life.

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While you may not plan to retire any time soon, preparing as early as possible pays off. From government incentives to early contributions, increasing your wealth using superannuation can have a significant effect on your retirement.

Combining the benefits of low taxation rates and compounding returns means more funds to invest along your journey.

Whilst everyone's financial situation is a little different, the golden rule applies to all. The more money you can save now, the more wealth you will have on retirement.

By age 50, many people gain more flexibility to boost their super contributions. But with ongoing changes to legislation, building your super balance later in life is becoming more complex — and timing matters.

If you’re considering early retirement, the question becomes even more important. Will your current super be enough to support the lifestyle you want for the years ahead?

For accumulating wealth and pre-retirement stages, we provide strategic and structural advice on:

  • Salary sacrificing
  • Contribution splitting between spouses
  • Tax planning services
  • Limited recourse borrowing arrangements (LRBAs)
  • Double deduction strategies for personal contributions

As you enter retirement, your superannuation becomes your main source of income. That’s why it’s important to strike the right balance between generating retirement income and making it last.

If you’ve built a self-managed super fund, it’s time to put it to work. The right advice helps you draw income in a way that supports your lifestyle, protects your future, and keeps unnecessary tax to a minimum.


We provide strategic and structural advice on:

  • SMSF estate planning
  • Retirement projections
  • Centrelink and Commonwealth Seniors Health Card
  • Contribution strategies (including re contribution strategies)
  • Tax planning services (annual review of the funds position)
  • Pension establishment (account-based pensions and transition to retirement pensions)

How myCEO works.

You’ll be paired with a senior adviser who acts as your business strategist. They closely work with you to:

  • Review your current financial position
  • Set clear, measurable business goals
  • Analyse trends, risks, and opportunities
  • Provide accountability and structured check-ins
  • Build forward-looking reports to guide key decisions
  • Help you stay focused on growth, not just survival
Whether you're preparing for expansion, planning succession, or simply want to make better use of your time and data, myCEO gives you the structure and support to lead with confidence.

Let’s build your
success together.

Get in touch to talk through your options clearly, calmly, and with your best interests in mind.

Book A Consultation

Get it super right:

  • Make informed decisions that grow your retirement savings
  • Understand fees, performance, insurance and contributions
  • Align your super strategy with your overall financial goals
  • Minimise tax on contributions and investment earnings
  • Choose the right fund or structure based on your needs
  • Stay compliant and confident with regulatory requirements
  • Use super as a wealth-building tool, not just a savings account
  • Maximise contribution opportunities while staying within limits
  • Plan for retirement on your terms

Our superannuation specialists help you understand what you have, what’s possible, and what changes will make the most impact.

Your team of superannuation experts:

Meet the head of the finance department:

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dean.menzies@cutcher.com.au

1800 988 522

Partner

Dean Menzies

BBus, Dip FP, Cert IV Finance Broking, MFAA Full Member

Dean specialises in providing finance solutions for our clients, including home loans, investment loans, refinance, commercial loans and specialised lending for certain professions.

Dean’s background in financial services includes around twelve years in private banking in Sydney and Newcastle which involved managing the lending & wealth requirements of high net worth individuals & families.

Dean’s experience enables Cutcher & Neale Finance to establish an independent, dedicated and specialist approach to our clients ongoing finance requirements.

Frequently Asked Questions

Super is a tax-effective way to grow your wealth over time. Because of how it’s structured, it offers significant advantages when it comes to compounding returns, tax savings, and building a strong foundation for retirement.
Yes. You can make personal contributions, but there are annual limits. We’ll help you understand your caps and how to make the most of them without incurring penalties.
Absolutely. Superannuation isn’t set-and forget. Reviewing it each year can help you assess fees, investment performance, and insurance cover, and ensure it’s still aligned with your goals.
It depends on your goals, the level of control you want, and your ability to manage the responsibilities that come with it. We can walk you through the decision and help you understand if it’s the right option for you.
When you retire, your super can be converted into a retirement income stream, such as an account-based pension. This allows you to draw regular payments while your remaining balance stays invested. The structure and timing of your withdrawals can affect how long your super lasts, so it’s important to plan carefully.

Contact Us

Let’s talk. Your next step starts here.

1800 988 522

Sydney
Suite 1.03, Level 1, 100 Pacific Highway,
North Sydney 2060, Australia

Melbourne
Level 8, 60 Albert Road,
South Melbourne, VIC 3205, Australia

Brisbane
Suite 5, 36 Agnes Street, Fortitude Valley,
QLD 4006, Australia

Newcastle
Level 3, 130 Parry Street,
Newcastle West, NSW 2302, Australia

Ready to take the next step? We’re here to help you move forward with comfort and clarity.

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