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Superannuation Advice Brisbane

Personalised superannuation advice from Brisbane-based advisers

Superannuation plays a major role in your long-term financial position. The choices you make today around contributions, investment options, insurance and fund structure can shape your retirement income for decades. Our Brisbane superannuation advisers help you make sense of these decisions so your super works in line with your goals.

Solace Financial is based in Brisbane CBD. We provide superannuation advice for people who want clarity around their fund, confidence that they are on the right track and guidance on whether an SMSF is suitable for their situation. Most clients come to us with similar questions. Am I in the right fund? Should I change my investment option? Am I contributing enough? Would an SMSF give me more control? We help you answer these questions with practical advice that fits your life stage and plans for the future.

Superannuation advice tailored to your needs

Superannuation rules can feel complex at times, especially when fund choices, contribution limits and investment options keep changing. Our role is to simplify the decisions and help you build a strategy that supports both your current financial life and your retirement goals.

People often come to us for help with:

Fund comparison and structure

Reviewing how your current fund operates, how it aligns with your goals, and whether another option may suit you better.

Growing your super balance

Using contribution strategies and investment choices to build your retirement savings efficiently.

Investment guidance

Selecting an investment mix that matches your timeframe and appetite for risk.

Consolidating multiple funds

Reducing unnecessary fees and bringing everything into a clear, manageable structure.

Preparing for retirement

Using superannuation as part of a broader plan that includes tax, income and Age Pension considerations.

Common superannuation questions we help answer

Most people want clarity before making changes to their super. The questions below reflect what we hear most often from clients.

Should I stay in my current fund or switch to another one?

We compare investment options, fees, insurance and long-term suitability to help you decide.

How do I choose the right investment mix?

Your stage of life, tolerance for risk and retirement goals guide this decision.

Am I contributing enough?

We calculate what your future balance may look like and outline contribution strategies that suit your cash flow.

How do salary sacrifice and personal deductible contributions work?

We explain the impact on tax, take-home pay and retirement outcomes.

Should I consider a Transition to Retirement strategy?

This can support people who are working part time or planning to ease into retirement.

Do I need to consolidate my super funds?

Consolidation can reduce fees and simplify administration when done carefully.

If you have questions that fall outside these areas, we explore them during your first consultation. Talk to a Brisbane Superannuation adviser today.

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SMSF advice Brisbane

A Self-Managed Super Fund offers a high level of control, yet it also carries responsibilities and ongoing obligations. Our role is to help you work out whether an SMSF suits your goals, financial capacity and interest in managing your own super.

An SMSF may suit people who want:

a wider range of investment choices
direct property investment
greater involvement in their financial planning
flexibility around contributions and estate planning

An SMSF may not suit someone who prefers a simple, low-maintenance structure or who does not have the time or interest to manage the fund’s ongoing administrative requirements. We give clear, unbiased guidance so you can decide with confidence.

SMSF or industry fund: which is right for you

Feature	SMSF	Industry or retail fund
Level of control	High	Moderate
Investment range	Very broad	Predefined options
Administration	Your responsibility	Managed for you
Costs	Fixed, varies by provider	Percentage-based
Suitable for	Engaged investors with higher balances	People who prefer a simple structure

This comparison helps clients understand the practical differences before exploring further.

Is an SMSF the right choice?

The decision to start an SMSF depends on more than your super balance. We discuss your investment interests, your long-term goals, the time you have available for administration and how much flexibility you want in your superannuation structure. Most people find this conversation useful, even if they ultimately choose to stay in their current fund. Talk to an SMSF adviser to find out whether an SMSF is right for you.

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2026 superannuation rules at a glance

Below is a simple overview of the current contribution limits.

Concessional contributions

Up to $30,000 per year. This includes employer contributions, salary sacrifice and personal deductible contributions.

Non-concessional contributions

Up to $120,000 per year, subject to Total Super Balance requirements.

Bring-forward rule

You may be able to contribute up to $360,000 across a three-year period, depending on your total balance.

Preservation age

Currently 60 for most Australians. Access to super is based on meeting a condition of release.

We explain how these rules apply to you and how to use them to strengthen your retirement position.

Case study: improving a client’s super outcome

A Brisbane client in their mid-50s came to us with several super funds, inconsistent investment options and no clear strategy. We consolidated the funds, adjusted the investment mix to better suit their timeframe and implemented a contribution plan using a mix of salary sacrifice and personal deductible contributions.

Outcome

This improved their projected retirement balance and reduced unnecessary fees that had accumulated over time. It also gave them a clear understanding of how their super supported their broader financial goals.

Superannuation advice fees

Clear expectations help people feel comfortable with the advice process. Your first call with us is complimentary, and you receive a written quote before proceeding with any formal advice.

Upfront advice fee
Covers your personalised strategy and Statement of Advice. The fee depends on the complexity of your situation and is always quoted in writing before work begins. Many clients choose to pay this fee from their super.

Ongoing advice fee
Applies when we manage your investments and provide regular reviews. This is usually a percentage of the funds we manage and renews only if you choose to continue each year.

Our simple two-part fee structure

Fee Type	What it Covers	Fee Structure
Upfront fee (initial strategy)	Creation of your comprehensive financial plan and Statement of Advice (SOA), tailored to your unique circumstances.	Fixed price (quoted upfront)
Yearly fee (ongoing management)	Investment management, proactive monitoring, regular reviews, adaptation to legislative changes, and continuous risk management.	Percentage (of investments managed)

Get your personalised superannuation advice quote by getting in touch with an adviser.

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Why Brisbane Retirees Choose Solace Financial

Award-winning financial advice

Our team has been recognised for the quality of our strategies and the care we provide. Clients choose us because we focus on practical advice that strengthens their long-term financial position, not short-term trends.

Local Brisbane superannuation specialists

Super rules are national, but how they affect you can depend on local factors. Our advisers understand the financial landscape in Brisbane, including common fund choices, employment patterns and the considerations that shape retirement planning across Queensland.

Clear guidance on complex super rules

Contribution limits, investment options and compliance rules can shift from year to year. We keep your strategy aligned with the latest legislation so you can make decisions with confidence and avoid unnecessary pitfalls.

Transparent and easy-to-understand fees

Clarity matters. You see all fees upfront and receive a written quote before any work begins. Many clients choose to have the cost of advice paid from their super, which can help with cash flow.

Strategy grounded in real modelling

We use detailed projections to show how contribution strategies, investment choices and structural changes may affect your future balance. This helps you understand the long-term impact of each decision before you make it.

Personalised guidance and ongoing support

Superannuation is not a set-and-forget asset. We provide consistent support, review your fund regularly and adjust your strategy as your circumstances and legislation change. Clients know they can rely on us to keep their super on track.

Meet our Brisbane superannuation and SMSF advisers

Scott Quinlan

Principal / Financial Adviser
Masters of Financial Planning
Bachelor of Commerce
CFP®

I hold a Master’s degree in Financial Planning from Griffith University along with a Bachelor of Commerce from the University of Newcastle. I’m a Certified Financial Planner (CFP®) and a member of the Financial Planning Association of Australia.

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Stephen Horton

Principal / Financial Adviser
Bachelor of Commerce
CFP®

I am a Certified Financial Planner (CFP) and a member of the Financial Planning Association of Australia. I have a degree in Commerce (Accounting) from the University of Queensland and an Advanced Diploma in Financial Planning.

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Giles Stratford

Principal / Financial Adviser
Masters of Financial Planning
AFP®

I hold a Masters in Financial Planning and a Member of the Financial Planning Association.

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Joel Carty

Certified Financial Planner – CFP®
Master of Financial Planning – MFP
Chartered Tax Adviser – CTA

I hold a Master’s degree in Financial Planning from the University of the Sunshine Coast and am a Certified Financial Planner (CFP®). Additionally, I am a Chartered Tax Adviser (CTA) and a proud member of both the Financial Advice Association Australia and The Taxation Institute of Australia.

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Superannuation advice FAQ

When should I review my super?

A review every year or when your circumstances change helps keep your fund aligned with your goals.

How do I compare super funds?

We assess fees, investment options, insurance and long-term suitability.

Is an SMSF worth it?

It depends on your interest in managing your own fund, your balance and your preference for control.

What can I invest in through an SMSF?

SMSFs can hold a broad range of assets, including property, shares and managed investments, subject to compliance rules.

Can you help me move my SMSF into retirement phase?

Yes. We assist with the transition to income streams, ongoing management and compliance requirements.

Book a consultation with a superannuation expert

If you want support with your superannuation or you’re considering an SMSF, we’re here to help. Book a consultation or call our Brisbane office to speak with one of our superannuation advisers.