Superannuation Made Simple – Maximising Your Benefits

“Your super isn’t just for retirement, it’s one of the most powerful tools you have to create financial freedom.” 

Are you making the most of your super? For many school leaders, superannuation is something that ticks along quietly in the background—until retirement is suddenly on the horizon and the numbers really start to matter. I’ve seen this so many times, which is why I’m passionate about helping principals take control of their super, no matter what stage of their career they’re in. 

Whether you’re in your 40s, 50s, or 60s, there are smart strategies you can use to grow your super and avoid common pitfalls. 

1. Salary Sacrifice vs Personal Contributions

Salary sacrifice is one of my favourite strategies because it works on two fronts: it can reduce your taxable income and boost your retirement savings. But it’s important to understand the contribution caps and how concessional (pre-tax) and non-concessional (after-tax) contributions work together. 

2. Avoiding Contribution Mistakes

I often see principals unintentionally exceed contribution limits or miss opportunities to claim deductions. These mistakes can lead to unnecessary tax bills or missed growth. A tailored strategy ensures you stay compliant and make the most of every dollar. 

3. Super Isn’t Just for Retirement

Your super is one of the most tax-effective investment vehicles available. With the right structure, it can support your financial goals well before retirement—especially if you’re considering a transition-to-retirement strategy. 

At Frontier, my goal is to simplify the complex. I know you’re busy, and I’m here to help you make confident, informed decisions about your financial future. 

As proud partners of the APF, I’m offering a complimentary superannuation review to help you optimise your contributions and plan ahead. 

Let’s make your super work harder, so you don’t have to. 

Book your review today Or contact me directly at Melina@frontierfg.com.au or (03) 9671 4550.