Superannuation, Simplified and Strategic
At Japhia Wealth Advisory, Superannuation isn’t an afterthought—it is the engine room of your retirement plan. Our goal is to help you make smart, tax-aware decisions so super works steadily in the background while life moves forward.
How we approach Superannuation
We start with what you want retirement to look like, then map the steps to get there. That means clarifying contributions, investment mix, investment costs, and the right time to commence a pension.
You will connect directly with an experienced adviser who brings technical rigour and plain-English advice—so every action has a purpose.
Learn more about our principal on the About page.
Contributions that fit your cash flow
Are you familiar with the many types of contributions that can be made to super, e.g. concessional, deductible, excess concessional, etc? Are you aware of the tax consequences of contributions, earnings and withdrawals and the importance of timing for such events?
For many people, superannuation makes up a substantial portion of their net worth but complex compliance regulations and tax laws make it difficult for them to manage it efficiently without advice.
Our principal has extensive experience in tax advisory and superannuation and can help you optimise your superannuation in line with your retirement goals. As an example, we can help you choose between salary sacrifice and deductible personal contributions and decide when after tax (non-concessional) contributions may make sense. We can also advise you on the appropriate time for drawing a pension which can vary depending on individual circumstances.
With our ongoing service, we will keep track of current Australian Tax Office (ATO) guidance and document each step when we give you advice. This is particularly important because many decisions regarding super are time sensitive and can be difficult to reverse under applicable laws.
Investment discipline, not guesswork
We design diversified portfolios aligned to your time horizon and tolerance for risk, then keep costs visible and rebalancing deliberate. The goal is reliability—steady contributions, sensible asset allocation, and behaviour you can stick with.
When to start a pension (and why it matters)
The timing of moving from accumulation to an account-based pension may affect tax outcomes and Centrelink treatment in retirement. We explain trade-offs, structure cash flow for your spending needs, and help keep records clean so administration doesn’t become a burden. If Age Pension is relevant later, we integrate those rules into your retirement income plan.
SMSF: when “do-it-yourself” is worth it
A self-managed super fund can offer control and flexibility, but it brings trustee obligations and costs. We assess whether SMSF is appropriate, guide trustee setup (individual vs corporate), and coordinate with your accountant and administrator.
Explore our article on SMSF trustee choices in Useful Tips.
A transparent process and ongoing support
Good advice only works if it is implemented and maintained. Our process—understand, analyse, present, implement, review—keeps momentum while decisions are documented. As an ongoing client, you will receive annual reviews, legislative updates and a first point of contact when life changes.
See our Process and Ongoing Services.
What we typically cover
A contribution strategy that is realistic for your cash flow
Investment design and rebalancing rules you can live with
Investment cost assessment and funds comparisons where relevant
Pension commencement timing and documentation
SMSF suitability and trustee governance (if appropriate)
Ready to get YOUR Superannuation working harder?
If you are ready for clear, tax-aware Superannuation advice that fits your life, let’s talk. A short conversation will clarify where you are and the best next step.
Let’s Chat — call us or message us using this form.
GENERAL ADVICE WARNING: This information is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. Madison Financial Group Pty Ltd strongly suggests that no person should act specifically on the basis of the information contained herein but should seek appropriate professional advice based upon their own personal circumstances.