Get clarity on your super, retire with confidence

If you’re approaching retirement, decisions about contributions, investments, insurance, and when to convert to pension can’t be left to guesswork.

As a superannuation financial advisor Castle Hill, Roccaforte provides superannuation financial advice that translates complex rules into practical steps for your retirement income.

We serve Castle Hill and the broader Hills District, and we also provide superannuation advice Sydney‑wide and superannuation advice Australia‑wide via secure video for clients who prefer to meet remotely.

Why choose Roccaforte for superannuation advice in Castle Hill

  • Local, plain‑English guidance. We advise Castle Hill clients on the precise actions to optimise their super—no jargon, no ambiguity.
  • Depth in retirement strategy. Our financial advisor superannuation expertise centres on coordinating contributions, asset allocation inside super, insurance settings, and the transition to retirement income streams.
  • Holistic outlook. Tax, super, aged-care fees, estate planning, and Centrelink work together. We model scenarios so you can see the full picture before you act.
  • Ongoing vigilance. Super rules change. We structure reviews so your superannuation financial advice remains aligned to legislation, markets, and your life stage
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Our process (simple and transparent)

  1. Free 15-minute consultation We discuss your goals, balances across funds, investment posture, and retirement timeframe. If you aren’t near Castle Hill, we still provide superannuation advice across Australia via video.
  2. Strategy & recommendations. You receive a written set of options with pros and cons, covering consolidation, investment policy, contribution tactics, and retirement income choices.
  3. Implementation & check‑ins. We help execute changes and set up periodic reviews so your plan adapts to legislation and markets. As a financial advisor superannuation partner, we keep you on track as retirement approaches.

Who we help

  • Pre‑retirees (55–65). Building final‑phase balances, reducing risk concentration, planning retirement income.
  • Recent retirees. Converting to pensions, setting sustainable drawdowns, refining asset mix.
  • Couples. Coordinating contributions and withdrawals across two super balances for tax efficiency.
  • SMSF considerers. Determining whether an SMSF’s control justifies the added complexity.
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Hear from our clients

Frequently Asked Questions

What does a superannuation financial advisor actually do?

Diagnose contribution strategy, investment mix, insurance settings, and retirement-income conversion; then implement and review against legislation and your objectives.

When should I get superannuation advice?

At key inflection points: salary change/bonus, approaching preservation age, planning a TTR strategy, receiving an inheritance, consolidating funds, or 1–5 years pre-retirement.

How do concessional vs non-concessional contributions work?

Concessional are pre-tax (subject to annual caps and contributions tax). Non-concessional are after-tax (with separate caps and possible bring-forward). Suitability depends on your tax rate, caps usage, and balance.

Can I use a bring-forward rule to boost super quickly?

Potentially—subject to eligibility and TSB thresholds. We assess cap headroom, timing, and cash-flow/tax impacts before recommending.

What is a Transition-to-Retirement (TTR) strategy?

A strategy using a TTR income stream to manage tax and contributions while still working. It requires careful modelling of tax, drawdowns, and investment risk.

Do I need to consolidate multiple super funds?

Often yes, to reduce duplicated fees/insurance and simplify asset allocation—after checking exit fees, insurance loss, and tax position.

How should my super be invested?

By risk capacity/tolerance, horizon, and required return—implemented via a documented investment policy and periodically rebalanced.

What happens to insurance inside super when I change funds?

Changing funds can cancel existing cover. We check replacement policies and underwriting before any rollover to avoid gaps.

When should I convert super to a retirement pension?

At eligibility, when a tax-effective, sustainable drawdown improves outcomes versus accumulation. We model sequencing risk, cash buffers, and withdrawal rules.

Do you provide superannuation advice near me if I’m outside Castle Hill?

Yes—face-to-face in Castle Hill and secure video across Sydney and Australia for clients searching “superannuation advice near me”.

Can downsizer contributions help my retirement plan?

Possibly—subject to age and property criteria. We test effects on cash flow, Age Pension means testing, and portfolio mix.

How often should my super strategy be reviewed?

At least annually or on life events (job change, health, inheritance) or legislative shifts that affect contributions/withdrawals.

Book a Consultation

Click on the link below to arrange a complimentary initial consultation.

Book Consultation Call (02) 9894 1844

Contact Us

Send us a message using the form to the right, or get in touch with us via any of the methods below.

Book Consultation

(02) 9894 1844

michael@roccaforte.com.au

5 / 15 Terminus St Castle Hill NSW 2154
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Opening Hours
9:00am–5:00pm, Monday to Friday

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