--- title: Altus Financial | Superannuation description: The truth is the sooner you start to plan for retirement, the better your options are. Our expertise in retirement and superannuation planning, includes specialist knowledge of wealth management and self-managed super funds (SMSFs), and automated online tools like Altus Exchange, all in one place. --- [![Logo White](https://www.altusfinancial.com.au/hubfs/Logo%20White.svg "Logo White")](https://www.altusfinancial.com.au/) - [Home](https://www.altusfinancial.com.au) - [Services](https://www.altusfinancial.com.au/services) - Company - [About Altus](https://www.altusfinancial.com.au/our-story) - [Our People](https://www.altusfinancial.com.au/our-team) - [Careers](https://www.altusfinancial.com.au/careers) - [Graduate Program](https://www.altusfinancial.com.au/altus-pathways-graduate-program) - [Altus Gives](https://www.altusfinancial.com.au/community) - [Our Global Reach](https://www.altusfinancial.com.au/our-global-reach) - Resources - [Insights](https://www.altusfinancial.com.au/insights) - [Resources & Guides](https://www.altusfinancial.com.au/resources) - [Videos](https://www.altusfinancial.com.au/videos) - Client Programs - [Families Who Thrive](https://www.altusfinancial.com.au/families-who-thrive) - [Women Who Thrive](https://www.altusfinancial.com.au/womens-wealth) - [Contact Us](https://www.altusfinancial.com.au/contact-us) - [![](https://www.altusfinancial.com.au/hubfs/Assets%20Jan%202019/Images/phone-call%20white.svg)](tel:+61289083444) [![Talk with us](https://no-cache.hubspot.com/cta/default/512115/6a87cb2e-17ae-43a1-93c7-da9582e08c36.png)](https://cta-redirect.hubspot.com/cta/redirect/512115/6a87cb2e-17ae-43a1-93c7-da9582e08c36) ##### Accounting & Business Services - [Accounting and Compliance](https://www.altusfinancial.com.au/accounting-compliance) - [Business Performance and CFO Services](https://www.altusfinancial.com.au/cfo-services) - [Taxation](https://www.altusfinancial.com.au/taxation-advisory) - [Corporate Advisory](https://www.altusfinancial.com.au/corporate-advisory) - [International Business Services](https://www.altusfinancial.com.au/international-services-australian-businesses) - [Real Estate Agency Services](https://www.altusfinancial.com.au/real-estate-agency-services) ##### Wealth Services - [Wealth Management](https://www.altusfinancial.com.au/wealth-management) - [Retirement Planning & Superannuation](https://www.altusfinancial.com.au/retirement-planning-superannuation) - [Superannuation](https://www.altusfinancial.com.au/superannuation) - [Aged Care](https://www.altusfinancial.com.au/aged-care) - [Estate Planning](https://www.altusfinancial.com.au/estate-planning) - [Asset Protection & Insurance](https://www.altusfinancial.com.au/asset-protection-and-insurance) - [Investments](https://www.altusfinancial.com.au/investments) - [Risk](https://www.altusfinancial.com.au/risk) ##### Lending Sources - [Home & Investment Loans](https://www.altusfinancial.com.au/home-investment-loans) - [Commercial & Business Loans](https://www.altusfinancial.com.au/commercial-business-loans) - [Self Managed Super Funds (SMSF)](https://www.altusfinancial.com.au/self-managed-super-funds-smsf) ##### [Need Real-life Advice?](https://www.altusfinancial.com.au/request-a-consultation) [![Talk with us](https://no-cache.hubspot.com/cta/default/512115/6a87cb2e-17ae-43a1-93c7-da9582e08c36.png)](https://cta-redirect.hubspot.com/cta/redirect/512115/6a87cb2e-17ae-43a1-93c7-da9582e08c36) [![page-1 (3)](https://www.altusfinancial.com.au/hubfs/Assets%20Jan%202019/Images/page-1%20(3).svg "page-1 (3)")](https://www.altusfinancial.com.au) - ![](https://www.altusfinancial.com.au/hubfs/Assets%20Jan%202019/Images/menu%20white.svg) ![](https://www.altusfinancial.com.au/hubfs/Assets%20Jan%202019/Images/group-17%20(1).svg) - ##### MENU - [![](https://www.altusfinancial.com.au/hubfs/Assets%20Jan%202019/Images/phone-call%20white.svg) ![](https://www.altusfinancial.com.au/hubfs/Assets%20Jan%202019/Images/phone-call-2.svg)](tel:+61289083444) - [tel:+61289083444](tel:+61289083444) - ##### MENU [![Talk With Us](https://no-cache.hubspot.com/cta/default/512115/11099956-4246-4311-83f2-64fc6560f370.png)](https://cta-redirect.hubspot.com/cta/redirect/512115/11099956-4246-4311-83f2-64fc6560f370) - ![](https://www.altusfinancial.com.au/hubfs/close.svg) CLOSE - [Home](https://www.altusfinancial.com.au) - [Services](https://www.altusfinancial.com.au/services) - [About](https://www.altusfinancial.com.au/our-story) - [Resources](https://www.altusfinancial.com.au/resources) - [Blog](https://www.altusfinancial.com.au/blog) - [Contact Us](https://www.altusfinancial.com.au/contact-us) - [Careers](https://www.altusfinancial.com.au/careers) - [Case Studies](https://www.altusfinancial.com.au/case-studies) - [Our Global Reach](https://www.altusfinancial.com.au/our-global-reach) - [Altus Gives](https://www.altusfinancial.com.au/community) - [Videos](https://www.altusfinancial.com.au/videos) - [Legals](https://www.altusfinancial.com.au/legals) - [Client Login](https://www.altusfinancial.com.au/client-login) - [Instagram](https://www.instagram.com/altus_financial/) - [LinkedIn](https://www.linkedin.com/company/2339369/admin/) - [Facebook](https://www.facebook.com/AltusFinancial/) Request a Consultation - Close![](https://www.altusfinancial.com.au/hubfs/Assets%20Jan%202019/Images/close%20(3).svg) ## Request a Consultation ![1.Superannuation](https://www.altusfinancial.com.au/hs-fs/hubfs/1.Superannuation.jpg?width=1440&name=1.Superannuation.jpg "1.Superannuation") ###### KEEPING AN EYE ON YOUR FUTURE # Superannuation ![search_white](https://www.altusfinancial.com.au/hubfs/Assets%20Jan%202019/Images/search_white.svg "search_white") ![search_white_blue](https://www.altusfinancial.com.au/hubfs/search_white_blue.svg "search_white_blue") [![Client Login](https://no-cache.hubspot.com/cta/default/512115/21325dde-aebb-45be-bbd6-32fe611424b0.png)](https://cta-redirect.hubspot.com/cta/redirect/512115/21325dde-aebb-45be-bbd6-32fe611424b0) ![group-4 (4)](https://www.altusfinancial.com.au/hubfs/group-4%20(4).svg "group-4 (4)") ![saerch](https://www.altusfinancial.com.au/hubfs/saerch.svg "saerch") This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ##### Characteristics - FORWARD THINKING - MARKET RESPONSIVENESS - FLEXIBLE + VERSATILE - PRO-ACTIVE APPROACH - GROWTH FOCUSSED ##### RIGHT FOR YOU if... - Want to start saving for retirement and don’t know how - Are considering using an SMSF to reach your retirement goals - Have multiple super accounts, each charging regular fees - Wonder if you should be salary sacrificing - Are unsure if you’re currently contributing enough for retirement - Need to improve your corporate super in order to attract top talent - Don’t have time to manage your corporate superannuation ###### SPECIALIST KNOWLEDGE AT YOUR DISPOSAL ## Overview Superannuation can be confusing, both to individuals who are hoping to meet their personal retirement goals and to business owners planning a corporate super plan. We offer services to both of these groups, helping both employers and employees to thrive. In order to best meet your long-term goals, we examine your unique situation, including how long you have until retirement, how you can maximise tax benefits and how averse to risk you are. We then use this information to create a clear strategy that will help you to live the lifestyle you deserve in retirement. ##### Start a conversation [![Talk to us](https://no-cache.hubspot.com/cta/default/512115/4da23465-1977-42ac-a7d9-fe06c821ace1.png)](https://cta-redirect.hubspot.com/cta/redirect/512115/4da23465-1977-42ac-a7d9-fe06c821ace1) S ![Altus_Office_Image_2022_011](https://www.altusfinancial.com.au/hs-fs/hubfs/2022%20New%20Office%20Photos%20(Optimized)/Altus_Office_Image_2022_011.jpg?width=1052&name=Altus_Office_Image_2022_011.jpg "Altus_Office_Image_2022_011") ###### Professional Superannuation Services ![1.SMSF](https://www.altusfinancial.com.au/hubfs/1.SMSF.svg) ### SMSF A Self-Managed Superannuation Fund (SMSF) gives you more control over your super and retirement planning, and this can lead to better management of your taxes, cash flow and risk. It’s important to understand, however, that there are running costs to consider as well as penalties for non-compliance. We can help you to review your finances and your long-term goals so you can make an informed decision about whether a SMSF is an appropriate and beneficial investment strategy for you. ![1.Personal](https://www.altusfinancial.com.au/hubfs/1.Personal.svg) ### Personal Superannuation The sooner you start planning for retirement, the more options you’ll have at your disposal. Our expertise in personal superannuation includes specialist knowledge of wealth management, and Self-Managed Super Funds (SMSFs). Discuss your personal superannuation with one of our wealth advisers to land on the perfect super strategy for your unique situation. A ## Meet the Superannuation team ![MattS-corp](https://www.altusfinancial.com.au/hs-fs/hubfs/MattS-corp.jpg?width=1226&height=663&name=MattS-corp.jpg) ![MattS-fun](https://www.altusfinancial.com.au/hs-fs/hubfs/MattS-fun.jpg?width=1226&height=663&name=MattS-fun.jpg) #### Matt Smith ##### Director Matt is a tireless, results driven adviser with a passion for collaborating with clients to help them make optimal financial decisions. Focussed on a seamless alignment between aspirations and strategy, Matt’s purpose for being professionally is to deliver peace of mind that financial decisions made now are supportive of a successful financial future for his clients. ##### Start a conversation [Connect with Matt](https://www.altusfinancial.com.au/15-min-chat-with-matt-smith) #### Matt Smith ##### Barrel Hunter/Road Runner Matt’s obsessive focus on being the best you can be extends to his personal pursuits. Finding the perfect wave, running a PB or skiing an unblemished run are always at the forefront of his mind. That being said, his overriding reason for being is to be a caring and kind father to Harry and Isabella and a thoughtful and compassionate husband to Elly. ![Rod-corp](https://www.altusfinancial.com.au/hs-fs/hubfs/Rod-corp.jpg?width=1226&height=663&name=Rod-corp.jpg) ![Rod-fun](https://www.altusfinancial.com.au/hs-fs/hubfs/Rod-fun.jpg?width=1226&height=663&name=Rod-fun.jpg) #### Rod Dickinson ##### Director Making complex situations simple and understandable, and seeing clients meet long term goals is where Rod gets the most professional satisfaction. ##### Start a conversation [Connect with Rod](https://www.altusfinancial.com.au/15-min-chat-with-rod-dickinson) #### Rod Dickinson ##### Surfing Tragic Rod enjoys surfing and playing golf (poorly) when he can. He looks forward to a yearly trip to Indonesia where he can escape from emails and search for uncrowded perfect waves. ![Justine-corp-1](https://www.altusfinancial.com.au/hs-fs/hubfs/Justine-corp-1.jpg?width=1226&height=663&name=Justine-corp-1.jpg) ![Justine-fun-1](https://www.altusfinancial.com.au/hs-fs/hubfs/Justine-fun-1.jpg?width=1226&height=663&name=Justine-fun-1.jpg) #### Justine Wilson ##### Director Justine’s passion is helping clients achieve real life outcomes. She is focused on guiding clients through the complexity of their obligations by keeping it relevant and simple. ##### Start a conversation [Connect with Justine](https://www.altusfinancial.com.au/15-min-chat-with-justine-wilson) #### Justine Wilson ##### Justine Wilson Outside of work, most of Justine’s time is taken up with her boys and their sports, but in her spare time she is enjoys exploring food from different cultures and a good glass of wine. ![Adam-Corp-1](https://www.altusfinancial.com.au/hs-fs/hubfs/Adam-Corp-1.jpg?width=1226&height=663&name=Adam-Corp-1.jpg) ![Adam-Fun-1](https://www.altusfinancial.com.au/hs-fs/hubfs/Adam-Fun-1.jpg?width=1226&height=663&name=Adam-Fun-1.jpg) #### Adam Montana ##### Principal Client Adviser Adam believes the secret to getting ahead is getting started. Adam helps clients realise where they are now, where it's possible to go, and works through the reality of this to achieve a positive financial outcome. Seeing the results of his advice gives him a real sense of satisfaction. ##### Start a conversation [Connect with Adam](https://www.altusfinancial.com.au/15-min-chat-with-adam-montana) #### Adam Montana ##### Running Enthusiast In his free time, you can find Adam running and pedalling his way across Sydney and telling dad jokes to his two little ones that are so bad you'll cry/laugh. ![Stewart-corp](https://www.altusfinancial.com.au/hs-fs/hubfs/Stewart-corp.jpg?width=1226&height=663&name=Stewart-corp.jpg) ![Stewart-fun](https://www.altusfinancial.com.au/hs-fs/hubfs/Stewart-fun.jpg?width=1226&height=663&name=Stewart-fun.jpg) #### Stewart Mortlock ##### Senior Client Adviser Stewart has over 12 years' experience specialising with SMSFs, and over that time he has enjoyed seeing the changes in the governing rules and behaviours of trustees. The changes bring a greater level of complexity for all involved and this complexity is what he enjoys working through and finding the best possible outcomes for our clients. ##### Start a conversation [Connect with Stewart](https://www.altusfinancial.com.au/15-min-chat-with-stewart-mortlock) #### Stewart Mortlock ##### Boxer When not in the office, you can find Stew with his family, doing some type of outdoor activity or in a group boxing fitness session. #### Matt Smith ##### Director Matt is a tireless, results driven adviser with a passion for collaborating with clients to help them make optimal financial decisions. Focussed on a seamless alignment between aspirations and strategy, Matt’s purpose for being professionally is to deliver peace of mind that financial decisions made now are supportive of a successful financial future for his clients. ##### Start a conversation [Connect with Matt](https://www.altusfinancial.com.au/15-min-chat-with-matt-smith) #### Rod Dickinson ##### Director Making complex situations simple and understandable, and seeing clients meet long term goals is where Rod gets the most professional satisfaction. ##### Start a conversation [Connect with Rod](https://www.altusfinancial.com.au/15-min-chat-with-rod-dickinson) #### Justine Wilson ##### Director Justine’s passion is helping clients achieve real life outcomes. She is focused on guiding clients through the complexity of their obligations by keeping it relevant and simple. ##### Start a conversation [Connect with Justine](https://www.altusfinancial.com.au/15-min-chat-with-justine-wilson) #### Adam Montana ##### Principal Client Adviser Adam believes the secret to getting ahead is getting started. Adam helps clients realise where they are now, where it's possible to go, and works through the reality of this to achieve a positive financial outcome. Seeing the results of his advice gives him a real sense of satisfaction. ##### Start a conversation [Connect with Adam](https://www.altusfinancial.com.au/15-min-chat-with-adam-montana) #### Stewart Mortlock ##### Senior Client Adviser Stewart has over 12 years' experience specialising with SMSFs, and over that time he has enjoyed seeing the changes in the governing rules and behaviours of trustees. The changes bring a greater level of complexity for all involved and this complexity is what he enjoys working through and finding the best possible outcomes for our clients. ##### Start a conversation [Connect with Stewart](https://www.altusfinancial.com.au/15-min-chat-with-stewart-mortlock) ###### NICE WORDS. KIND PEOPLE ## “My experience with Altus has always been consistent. They're really experts in the field of Superannuation and know how to deliver customer service with the proper attitude. I can't recommend them highly enough.” ##### Rachel T S ###### HELPLFUL CONTENT ## Suggested Resources [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Super](https://www.altusfinancial.com.au/blog/topic/super), [Tax](https://www.altusfinancial.com.au/blog/topic/tax) - 9 min read #### [Division 296 tax: what high-balance super members need to do now](https://www.altusfinancial.com.au/blog/division-296-tax-what-high-balance-super-members-need-to-do-now) From 1 July 2026, Division 296 will introduce additional tax on superannuation balances above $3 million. For many Australians, this will be a margina... ###### Altus Team [Super](https://www.altusfinancial.com.au/blog/topic/super), [Business](https://www.altusfinancial.com.au/blog/topic/business) - 2 min read #### [Pay Day Super Is Coming: What SMEs Should Be Doing Now](https://www.altusfinancial.com.au/blog/pay-day-super-is-coming-what-smes-should-be-doing-now) Pay Day Super may not take effect until 1 July 2026, but for many SMEs, the most important work should start well before then. This reform changes whe... ###### Altus Team [Super](https://www.altusfinancial.com.au/blog/topic/super), [Investments](https://www.altusfinancial.com.au/blog/topic/investments) - 9 min read #### [Supercharge Your Superannuation & Maximise Your Retirement Savings](https://www.altusfinancial.com.au/blog/supercharge-your-superannuation-maximise-your-retirement-savings) Welcome back everyone. In the sixth and final part of my blog series, I want to discuss something that affects all of our financial journeys: Superann... ###### Shane Brennan [###### SUPERANNUATION ## Our superannuation experts can guide you to super success! #### Schedule a Consultation ](https://www.altusfinancial.com.au/request-a-consultation) ![page-1 (4)](https://www.altusfinancial.com.au/hubfs/page-1%20(4).svg "page-1 (4)") ##### Services - [Wealth](https://www.altusfinancial.com.au/services-altus-financials) - [Business](https://www.altusfinancial.com.au/services-altus-financials) - [Lending](https://www.altusfinancial.com.au/services-altus-financials) ##### Company - [About Us](https://www.altusfinancial.com.au/our-story) - [Our Team](https://www.altusfinancial.com.au/our-team) - [Careers](https://www.altusfinancial.com.au/careers) - [Contact us](https://www.altusfinancial.com.au/contact-us) ##### Learning - [Resources](https://www.altusfinancial.com.au/resources) - [Insights](https://www.altusfinancial.com.au/blog) ##### Social - [Instagram](https://www.instagram.com/altus_financial/) - [LinkedIn](https://www.linkedin.com/company/2339369/admin/) - [Facebook](https://www.facebook.com/AltusFinancial/) - [Legal](https://www.altusfinancial.com.au/legal-altus-financial#section4) - [Terms & Conditions](https://www.altusfinancial.com.au/legal-altus-financial#section5) - [Privacy Policy](https://www.altusfinancial.com.au/legal-altus-financial#section1) - [Privacy Wealth Management](https://www.altusfinancial.com.au/legal-altus-financial#section2) - [General Advice Warning](https://www.altusfinancial.com.au/legal-altus-financial#section7) - [Loans Privacy Policy](https://www.altusfinancial.com.au/legal-altus-financial#section3) - [FSG](https://www.altusfinancial.com.au/legal-altus-financial#section6) © 2022 Altus Financial, All rights reserved. Altus Wealth Pty Limited ABN 55 649 956 212 is an Authorised Representative of Altus Financial Services Pty Ltd ABN 24 637 026 825 an Australian Financial Services Licensee (AFSL no. 520266). Altus Financial Services Pty Ltd is not responsible for the advice, products and services provided by Altus Accounting. Julie Azzi is a credit representative (CR No. 366834) of BLSSA Pty Ltd ABN 69 117 651 760 (Australian Credit Licence 391237).