Your Retirement


Superannuation is a taxation strategy to provide a lifetime retirement and investment solution. Your superannuation plan could include many aspects including retail, industry, public sector defined benefits or accumulation plans and self managed superannuation funds (SMSF).

Each type of superannuation plan has its benefits, limitations and different strategy options. Download our Superannuation ebook below for a complete guide on superannuation strategies, or contact us for a personalised plan.


Superannuation in Australia – how it works

As soon as you begin employment, earning $450 or more a month, your employer will start contributing to your super. They are required to pay each employee 10% super in each pay cycle.

The funds put into your super account are then invested, and the growth is reinvested, to assist in growing the balance. Once you retire and no longer receive an income, your superannuation can be accessed as opposed to relying solely on the age pension, to support your lifestyle.

The different superannuation structures that we work with include:
  • Industry Superannuation Funds;
  • Public Sector Superannuation Funds (CSS & PSS defined benefit and PSS accumulation plans Military Super and DFRDB);
  • Semi Managed Superannuation Funds (retail superannuation funds); and
  • Self Managed Superannuation Funds (SMSF)

As with all financial planning the first step is to determine your financial goals for life. This will often assist with determining which structure is right for your needs. The next step is the development of an investment strategy. This investment strategy will document and outline the approach on ‘how’ to achieve your goals.

Click below to Listen

Omny Studio

Self Managed Super Fund Trustees (SMSF)

We can assist trustees at any phase of the SMSF Life cycle including:

  • Establishment of your SMSF;
  • Creation and documentation of your investment strategy;
  • Consolidation of your super assets;
  • Salary Sacrifice and save tax;
  • Transition to Retirement (TTR) Strategies
  • Setting up Reserving Strategies to meet your estate and family wealth creation plans;
  • Manage and pass wealth to future generations in a tax effective manner;
  • Wind up of your SMSF.

As specialist advisers with the Self Managed Super Fund Professionals Association of Australia (SPAA) we can assist you with advice at any life stage of your Self Managed Super Fund. Our unique advice approach means we can work with clients on a once off advice arrangement to keep you up to date on legislative changes or ongoing advice services to assist with annual investment review, taxation and financial statement reporting and compliance requirements. Our fixed fee structure means you know what services you are paying for in a transparent way.

Understand Superannuation

Download Your FREE Copy Of Our Superannuation Guide

Set yourself up for success and discover everything you need to know about Superannuation with our FREE guide below.


“Money Mechanics gave me a solid strategy which I have started implementing. I can’t fault that for value plus service. I consider this money well spent.”

Cherry | 65+ years old

“Money Mechanics was exceptional. Their advice was accurate and timely and the information provided was of a very high standard. They are friendly, professional and trusted, I would have no hesitation recommending them.”

Caroline | 35-45 years old

“Fabulous, empathetic and extremely well informed. Money Mechanics helps you make confident decisions by understanding all options and consequences of each. Can’t recommend him highly enough.”
Kathryn | 35-45 years old

Money Mechanics takes a holistic approach and gives real world advice. They are understanding, empowering and encouraging and have helped me understand money, take control of what I have and grow it in a way that works with the sort of person I am. They are fantastic.”
Jane | 46-55 years old

“Scott is very knowledgable and helpful. He does a very good job explaining things that may be hard to understand for less savvy or financially inclined people. He is very easy to talk to and is very understanding and relatable.”
Jason | 35-45 years old

“Money Mechanics advice was reassuring during a time of great potential change to my working life and impending retirement. I greatly valued the knowledge and expertise they offered. Scott came highly recommended and I’d certainly recommend him highly to anyone seeking financial advice. “
Carmel | 56-65 years old

“Very personable. Scott treated us as individuals. He was very down-to-earth and gave us clear explanations. He saw immediate potential for improvement in our situation and gave us some tangible actions at the meeting and in the follow-up. I really appreciated that he is not judgemental of our situation or values.”
David 46-55 years old

“Money Mechanics provided advice on setting up a Self Managed Super Fund including purchasing property and developing an investment strategy. Scott spent many hours explaining the ins and outs of the fund, simplifying complex structures, and ultimately guided us through the entire process to make sure the solution was right for what we need. “
Tait | 46-55 years old

“I find Scott’s help very clear and informative. He looks at every possibility and gives a very clear and understandable explanation of all aspects of the process.”

“Scott’s personal style helps me focus on what I most want for the coming years and how I can make that happen.”

“Excellent presenter and empowering material brilliant”

“I’ve been given excellent insights on a lot about financial matters that were very abstract to me that I can use.”

“Scott is an amazing teacher and makes money not so scary. He knows his subject very well.”

“Scott is extremely well versed in finance. People can learn a great deal from him.”