Our superannuation specialists help you take control of your varied accounts by locating all of your super on your behalf. We’ll help you compare and choose the right superannuation fund for your future, whether that’s an existing fund or a new recommendation.
We’ll then guide you in choosing the right investment mix within your fund, so your investments match your long-term plans and risk profile.
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Liston Newton Advisory has over 40 years’ experience helping our clients plan their super and grow their investments, which includes super management.
We take a holistic approach when it comes to your super, and include financial planning, tax advice, and estate planning into your long-term plans.
Liston Newton is not aligned with any financial institution. We give advice based on your best interests and the most suitable superannuation fund for your personal situation.
Managing your superannuation is a long-term strategy. So we partner with you to ensure you have all the knowledge and understanding you need to make the right investment choices for your future.
It’s estimated that over 6 million Australians have more than one super account. Do you?
At Liston Newton Advisory, our goal is to help you harness the power of your super, so you can take advantage of that money you’ve worked so hard to earn.
Importantly, we know that there’s more to super than just the money. Our expert team will also investigate any personal insurance held with your superannuation and ensure this cover isn’t lost when you consolidate your super funds.
We know that consolidating your super can feel like a big task. You might not even know how many super accounts you have. So we help manage the process for you, and take a strategic view to make sure your superannuation goals are taken into account.
This is supported by our unique methodology that helps you achieve your personal wealth creation objectives. We call it Get Set, Get Moving, Get Free.
Get the right advice when planning for your future.
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Take a lookOur super consolidation specialists will help you put the plans in place that allow you to make the most of your retirement.
‘Lost’ super is a surprisingly common occurrence, and can occur for a number of reasons. For example, you might undertake a short-term job, have a new super fund created in your name, then move on to another company and forget about that fund. Or you might change contact details, and your super fund may lose track as your details change.
Your account is considered ‘lost’ when your fund makes two written communication attempts to contact you, which are then returned unclaimed.
Super funds are required by Australian tax law to notify the ATO of any lost members, so they will then provide your details to the ATO. Your super balance will be held by the fund until claimed, or it’s consolidated with another eligible super fund.
Consolidating your superannuation accounts requires searching and finding all the super accounts you may have in your name. In some cases, you may even hold super accounts without knowing it.
There are two ways you can go about consolidating your super.
Alternatively, if you know which super funds you hold, you can head to the ATO website and fill out a Request for rollover of the whole balance of super benefits between funds form.
But this can often be a lot of work. Instead, your Liston Newton financial adviser can help you track down your lost super for you, and manage the steps necessary to consolidate your super funds.
While you won’t pay any out-of-pocket fees for consolidating your super, there may be associated administration fees from your super providers for each super account you have. So check with your super provider to find out the specific fees they have involved.
Consolidating your super account has a few big benefits.
Unfortunately, there is no set timeframe for consolidating your super. It all depends on the number of accounts you have, and the speed and efficiency with which your super fund works.
The actual transfer of funds, however, is a simple account-to-account transfer. This process shouldn’t take more than 3 to 5 days.
With a standard retail or industry super fund only one person is able to use this account for their super. So no, you can’t combine super with your spouse if you hold one of these accounts.
However, if you hold a self-managed super fund, this is effectively a savings account that you manage yourself. So in this case you can combine your super with your spouse, but only if you both use this account.
Get in touch with our SMSF advisers to find out more about setting up and managing an SMSF.