superannuation planning gold coast

Is Your Superannuation
Working for You?

Superannuation is one of the most misunderstood investment vehicles available on the Gold Coast and indeed Australia. Yet, it can be one of the most tax-effective vehicles for Gold Coast clients when planning their financial future.

Superannuation is, all too often, viewed with the mindset that, ‘if it ain’t broke, don’t fix it’. However, having this mindset may be holding you back from reaching your retirement goals. The truth is, superannuation is the user-pays philosophy of funding your own retirement. Thus, by not doing due diligence in choosing the best super fund for your needs and goals, you are only robbing yourself of a comfortable retirement.

Are you ready to take the first step?

Don't Settle For Any Old Super Fund!

You don’t have to settle for the super fund that your first employer set up for you. It’s your life; you are in control. You have the right and ability to change super funds at any time, and at any stage of your life.

The good news is, you’re not expected to study every super fund to determine which is best for you – we do this for you! As Gold Coast financial planners, it’s our job to investigate strategic opportunities to improve and grow your superannuation, pro-actively.

Our expert team is here to answer your questions and demystify what structure, strategy and investment options are right for you and answer any questions you might have. Getting started is the first step to taking control of your super and making it work for you.

pre-retirement couple seeking advice
retirement nest egg super fund

Benefits of Superannuation Planning

The benefits of superannuation are endless, but only if you invest in the right super fund. This is why our Gold Coast superannuation planning service is so important. True, superannuation alone offers tax-effective savings, tax-effective capital growth, a lower tax rate during retirement, increased protection of your assets, and the ability to draw tax Complimentary income in retirement. But, pro-active superannuation planning ensures your life-long investment is maximised to deliver the best possible returns.

The number one goal of the Centaur’s Gold Coast superannuation team is to help maximise the probability of you reaching your financial goals.

If you’re looking for certainty in your retirement, then take the first step by contacting Centaur Financial Services.

Our team of Gold Coast super fund advisors can steer you in the right direction when it comes to choosing the best fund for your needs and goals. And, the best part is, its never too late – or early – to take that first step. We can help you change your financial future at any stage of your life.

Our expert Gold Coast super fund advisors can help you:

Find the best super fund to suit your goals
Take advantage of tax concessions, financial incentives and rebates
Explore opportunities to maximise your savings and grow your super
Navigate the maze of super fund regulations
Get the most out of your superannuation

The Centaur Difference

Centaur Financial Services is dedicated to helping Gold Coasters reach their financial goals. As a boutique Gold Coast financial advisory firm, we understand the importance of personalised service and take pride in knowing that our service is second to none.

By choosing us to manage your superannuation planning, you are making a sound investment for your future. When you invest in us, we invest in you. Our Gold Coast advisors take the time to develop a close relationship with you; to understand your dreams and aspirations. We form a tailored strategy to ensure you have the savings to provide a comfortable standard of living in your retirement years.

Take away the guess-work and get financial clarity in retirement by investing in a team that cares about your future as much as you do; Centaur Financial Services. Contact our expert team today to arrange a Complimentary no-obligation meeting – it may just change your retirement!

The Centaur Process

Our superannuation planning follows a developed six-step process that entails:


Discuss your goals and aspirations as well as challenges


Analyse your current financial position and identify strategies


Cultivate a strategy comprising suitable products and services


Discuss the recommended strategies and your implementation plan


Provide Authority to Proceed and implement your strategy

Ongoing Advice

Review your financial plan, external impacts, and investment portfolio

Frequently Asked Questions About Superannuation Planning

  • What is superannuation, and how does it work?

    Superannuation money put aside by your employer to live on during your retirement.

    Superannuation in Australia works on the premise of employer contributions. When you start work and earn more than $450 in a calendar month, your employer is legally required to pay a minimum of 9.5% of your wages into your superannuation account. This sum is on top of your yearly salary. Your super fund then invests and manages this money until you retire.

    The superannuation account that the money is put into is of your choosing. If you have no preference, your employer will usually join you to their fund, which may or may not be the best fund to help you reach your future retirement goals.

    Your superannuation will start small, but over the course of your career, it can reach a surprising sum, especially if you have invested in Centaur Financial Services’ Gold Coast superannuation planning service.

  • How much super do I need to retire at 65?

    How much super you need to retire comes down to the lifestyle you wish to live in retirement and what you define as ‘comfortable’.

    The Association of Superannuation Funds of Australia (ASFA) estimates a superannuation balance of $640,000 is required for couples to live out a comfortable retirement and $545,000 for singles. This is, assuming you withdrew your super as a lump sum and received a part Age Pension.

    It’s important to note that the ASFA define ‘comfortable’ as being able to enjoy occasional travel, recreational activities, mid-range car, top-level health insurance and electronics.

    However, more importantly, is the shortfall between what the required balance, and the actual average balance. The table below shows a significant gap for each age group, for both males and females.

    How much super should you have?

    Gender Age Average balance Balance required today for a comfortable retirement Gap
    Male 30 $25,520 $61,000 –$35,480
    40 $56,792 $154,000 -$97,208
    50 $111,115 $271,000 -$159,885
    60 $180,944 $430,000 -$249,056
    Female 30 $21,765 $61,000 -$39,235
    40 $46,075 $154,000 -$107,925
    50 $87,634 $271,000 -$183,366
    60 $154,896 $430,000 -$275,104

    Prepared by www.canstar.com.au – 10/09/2020. Average balance per APRA’s 2019 Annual Superannuation Bulletin. Balance required today for comfortable retirement based on ASFA’s Super Balance Detective Calculator. Gap calculated as the difference between the average balance and the current balance required for a comfortable retirement. Comfortable retirement assumes ASFA’s Comfortable Standard balance of $545,000 (in today’s dollars) by age 67. ASFA assumes future pre-tax wage income of around $65,000 and that upon retirement the retiree draws down all their capital and receives a part Age Pension.

  • How much super does the average Australian retire with?

    The Australian Bureau of Statistics (ABS) ‘s 2017-18, Household Income and Wealth, Australia report found that at retirement age (66), the average Australia man has a superannuation balance of $417,900 for men and $378,600 for women.

    Age Average balance (men) Average balance (women)
    15 to 24 years $6,300 $6,100
    25 to 34 years $41,700 $31,600
    35 to 44 years $100,300 $69,300
    45 to 54 years $196,400 $129,199
    55 to 64 years $332,700 $245,100
    65 to 74 years $417,900 $378,600
    75 years and over $366,200 $270,300
  • Who can give superannuation advice?

    Superannuation advice Gold Coast is given by financial advisors such as Centaur Financial Services. To provide superannuation advice, you must hold an Australian Securities and Investments Commission (ASIC) issued Financial Services Licence, or be an authorised representative of a licence holder.

  • Do I need a financial advisor to manage my super?

    A financial advisor isn’t required to manage your superannuation, but they can be very beneficial to your balance come retirement time. Centaur Financial Services are aware of any legislation changes and know how to make the most of your superannuation to ensure you enjoy a comfortable retirement.

See what our happy client's have to say about us!

Long time client of Hugh and the team - extremely happy with the thoroughness and attention to the individual circumstances as life changes.
sandra gibbs
sandra gibbs
00:41 11 Oct 21
Being introduced to Hugh Robertson by our long term accountant 10 years ago turned into a great relationship with a progressive young man who cares about his clientele as well as their wealth creation and retirement plans!!
russell bloxsom
russell bloxsom
01:52 08 Oct 21
Going to visit Hugh is a real pleasure and not just something I have to do.Hugh is a genuinely delightful and sincerely man, caring about all of his clientsAnd obviously doing his very best at all times.His Staff are all personally chosen to reflect his qualities.I would recommend Hugh and Centaur Finances to anybody needed quality care for their finances.Marilyn Culell
Marilyn Culell
Marilyn Culell
00:08 07 Oct 21
We have had the pleasure of working with Hugh and his team over the last year as well as being used by other family members for years. Centaur Financial Services is nothing but professional, helpful and very friendly - Couldn't recommend the team enough.
Courtney Edwards
Courtney Edwards
03:44 06 Oct 21
My wife and myself have invested with Centaur Financial Services and I am very happy with their service. My son and daughter have also invested with them. They have our whole family.
Wayne Evans
Wayne Evans
10:13 05 Oct 21
We are very satisfied with Hugh's (Centaur's) management of our SMSF and the fees are more than competitive and realistic.
John Beard
John Beard
05:55 04 Oct 21
Very professional and knowledgeable in the Finance & Super business Hugh and his team are at the top of the game when it comes to dealing with personal finance. Extremely glad to have Centaur taking care of my future..
Dave Hair
Dave Hair
06:43 09 Sep 21
My Wife and I have been with Centaur Financial Services Gold Coast for several years and have had not only Professional service but well explained information with better than expected results , we would highly recommend them.
Richard Kownacki
Richard Kownacki
05:10 06 Sep 21
The team at Centaur have provided us with great insight into investing. We had spoken to the others, before the team at Centaur. We found them to be responsive, timely with the information we required. As a result of the professionalism shown, I have sought their advice for my whole family. A special mention to Jenna Wheeler. What an asset, she is goal orientated and will extend herself to ensure clients needs are fulfilled. Highly recommended.
Paul Grech
Paul Grech
23:33 02 Sep 21
My initial consultation with Jenna gave me more advice and assistance than I had expected. Jenna's friendly yet professional manner and knowledge has given me the confidence to book another appointment with her for assistance in my impending retirement planning.
Susanna Fonay
Susanna Fonay
04:51 01 Sep 21
Hugh talks to you as a friend, and as an adviser .He speaks at your level and knows the best products to suit where you are in life. We thoroughly recommend Centaur Financial Services, Hugh and the team.
Steven Caruana
Steven Caruana
07:01 29 Aug 21
If you are looking for a company that will go above and beyond to look after you and your money, you can do no better than Centaur Financial Services. Real People, Real Service and Real Returns.
Karen Hobbs
Karen Hobbs
07:26 24 Nov 20
Hugh has been our financial advisor for over ten years. We have always felt very comfortable and confident, trusting in Hugh’s knowledge and strategies in his industry. The Centaur team are friendly and efficient and would have no hesitation in recommending Centaur Financial Services to anyone looking for financial advice.
Pam Lindores
Pam Lindores
06:38 24 Nov 20
Hugh has always made us feel comfortable in every interaction we have had with him and his team, very professional but to a standard that we as non financial experts understand what he is talking about, we feel his advice to us has always made sense.
Peter Craig
Peter Craig
10:12 23 Nov 20
I have felt comfortable from the outset with all interactions with Hugh and the crew. It is nice to feel this way and I feel a rare experience in our current business climate.
Linda Leighton
Linda Leighton
10:03 23 Nov 20
Could not be happier with how our Super is being handled. Hugh and the pleasant girls at Palm Beach would literally bend over backwards for any of their clients.We would not hesitate to recommend Centaur Financial Services to anyone that is looking for a reliable and honest crew to look after their financial affairs.
Ronnie Foley
Ronnie Foley
05:30 07 Aug 20
I have found all members of Centaur staff to be unfailingly prompt, efficient and considerate. They have all seen me through some difficult personal issues and i would have no hesitation in recommending the firm to anyone in need of financial planning assistance or advice.
Ronald Black
Ronald Black
03:59 23 Jul 20
I have known Hugh for more than ten years and have always found him approachable, direct and very client centric. Hugh was a deserved winner of the 2018 AFA Adviser of the Year award, an award which eclipses all others in the advice profession. Hugh and his team at Centaur support many Australian families on their financial journey with advice that provides certainty and peace of mind.
Marshall Brentnall
Marshall Brentnall
23:05 30 Oct 19

Need Expert Superannuation Planning on the Gold Coast?

Turn to Centaur Financial Services for Gold Coast Super Fund Advice & Planning.

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