Superannuation - an investment in your future lifestyle.


Super should be an integral part of any financial plan as it is paramount to the quality of life in retirement. Even early on in one's working life the importance of Super should not be overlooked, in fact significant benefits can be gained by starting Super early as the more you accumulate in your fund over time the better off you will be.

There are some key considerations when it comes to planning your Super and taking advantage of the tax benefits is just one of them. We can advise on the following areas of Superannuation:

Employer Contributions, Super Choice, Corporate Plans
Super Strategies (Salary Sacrifice, Government Co-Contributions, Spouse Contributions etc)
Personal Super Plans, Super Consolidation, Asset Allocation
Contributing to and withdrawals from Superannuation
Self Managed Super Funds
Conversions to Income Streams
Insurances within Superannuation
Super Splitting
Redundancy Payments
Eligible Termination Payments


Our Solutions

At various times in your life, changing circumstances will affect your financial situation. At such times, appropriate advice is important, such as at the following times:

  • Approaching retirement
  • Staring a Business
  • Making a Career Move
  • Going from 2 Incomes to 1
  • Having a child
  • Wanting to buy your first home
  • About to enter the workforce
  • Recipient of an inheritance or a windfall
  • Separation or divorce
C J D'Cruz Pty Ltd trading as Personal Wealth Group
is an Authorised Representative of AMP Financial Planning Pty Limited
ABN 89 051 208 327 AFS Licence No. 232706