Redwood Financial Planning

Redwood Financial Planning Authorised Representative No: 1289461 & 1309222

Our Licensee (AFSL): 561 658

ABN: 46 679 016 525

Personalised plans • Smarter money moves

📍 Helping families build generational wealth
🗓️ Book your free strategy session today👇🏼

https://www.redwoodfp.com.au/super-consultation

AFSL: 561 658

Your super fund sends you a statement once a year and most people file it straight in the bin. But there are three thing...
22/05/2026

Your super fund sends you a statement once a year and most people file it straight in the bin. But there are three things sitting inside that statement that could be costing you significantly, and most tradies have no idea.

The performance gap is the one that quietly does the most damage over time. A 2% difference in returns on a $150k balance is around $3,000 a year. That compounds. Over 20 years you're not just losing $60k, you're losing everything that money would have grown into.

The investment option issue catches a lot of people under 50 who got defaulted into "balanced" when they started their first job and never touched it. If you've got 15 or 20 years until retirement, sitting in a conservative option is working against you.

But the one that gets most tradies is the insurance. Default cover through super is generic. It doesn't know you're on a worksite every day. If your body gives out and you can't work, the payout might be nowhere near what you were expecting.

Book a complimentary chat with Brian or Ryan to go through where you actually stand.
📞 1800 841 969 or send us a DM.

ABN: 46 679 016 525 | AFSL: 561 658

⚠️ The information provided on this post & page is general in nature and does not constitute personal financial advice. You should consider seeking advice from a licensed financial advisor before making any financial decisions.

21/05/2026

Most people assume that when they sit down with a financial adviser, the conversation is going to be about investments, returns, or picking the “right” strategy. In reality, it almost never starts there.

It usually starts with things like how their super actually works, what they’re paying in fees, whether they’ve got insurance inside their fund, and whether any of it lines up with what they’re trying to do long-term. That’s what tends to catch people off guard.

Because for most Australians, money has been happening in the background for years. Super contributions go in every pay, default options get selected, insurance sits there quietly and no one has ever properly walked them through it.

That’s where the biggest gap is. Not knowledge of markets, but understanding their own position.

And it matters. ASFA’s 2026 Retirement Standard estimates around $630,000 is needed for a single person to retire comfortably, and about $730,000 for a couple. A lot of people we speak to aren’t sure if they’re on track for that, or how far off they might be.

That’s usually the point where things start to click.

Real Talk with Redwood 🌿

(Source: ASFA Retirement Standard 2026; Russell Investments Value of an Adviser Report 2025)

ABN: 46 679 016 525 | AFSL: 561 658 | 📞1800 841 969

Disclaimer: The information provided in this video is general in nature and does not consider your personal objectives, financial situation or needs. You should consider seeking advice from a licensed financial adviser before making any financial decisions.

This is exactly why we do what we do.Most people come to us knowing something feels off with their super but having no i...
20/05/2026

This is exactly why we do what we do.

Most people come to us knowing something feels off with their super but having no idea where to start. Mick sat down with Brian, got a clear picture of where he actually stood, and walked away knowing what steps made sense for him specifically.

That's what a good advice relationship looks like. Someone who takes the time to explain things properly and tells you the truth about your options, without making you feel like you should already know all of this.

If your super has been sitting untouched and you've been meaning to sort it out, book a chat with Brian or Ryan📞
1800 841 969 or send us a DM.
ABN: 46 679 016 525 | AFSL: 561 658

⚠️ The information provided on this post & page is general in nature and does not constitute personal financial advice. You should consider seeking advice from a licensed financial advisor before making any financial decisions.

19/05/2026

A lot of people don’t realise there’s a real difference between getting advice from a financial planner and following what a friend, family member, or even a super fund suggests.

On the surface, it can feel the same. Someone tells you what they’re doing with their super, or you get pointed towards a particular investment option, and it seems reasonable enough to follow.

The difference is that those suggestions aren’t built around you. They don’t take into account your income, your tax position, your goals, your time frame, or how much risk actually makes sense for your situation.

That’s where things can start to drift off course, even if the original suggestion wasn’t “wrong”.

ASIC draws a clear line here. General advice doesn’t consider your personal circumstances, while personal advice is required to. Most people don’t realise when they’re relying on one instead of the other.

And with retirement benchmarks continuing to rise, that distinction becomes more important. ASFA’s 2026 figures put a comfortable retirement for couples at around $730,000 in super, which isn’t something most people want to leave to guesswork.

Following others feels easy in the moment. Understanding your own position tends to make a much bigger difference over time.

Real Talk with Redwood 🌿

(Source: ASIC guidance on personal vs general advice; ASFA Retirement Standard 2026)

ABN: 46 679 016 525 | AFSL: 561 658 | 📞1800 841 969

Disclaimer: The information provided in this video is general in nature and does not consider your personal objectives, financial situation or needs. You should consider seeking advice from a licensed financial adviser before making any financial decisions.

EOFY is coming and most Aussie parents and tradies are about to pay more tax than they need to.If you're in the 32% or 3...
14/05/2026

EOFY is coming and most Aussie parents and tradies are about to pay more tax than they need to.

If you're in the 32% or 37% tax bracket, a huge chunk of every overtime hour goes straight to the ATO. But there are legitimate ways to reduce that before 30 June.
Here's what to know:

- The Concessional Contribution. By directing some of your savings into super, that money is generally taxed at just 15% instead of your marginal rate. It's an instant tax win available to most working Australians.

- The Catch-Up Rule. If your super balance is under $500k, you may have unused caps from the last 5 years. That means you could potentially tip in well above the standard $30,000 limit this year and get a bigger tax deduction in the process.

- The Spouse Super Offset. If your partner earns under $37k, a $3,000 contribution to their super could put a $540 tax offset straight back into your tax return. Simple and often overlooked.

One compliance note worth knowing: always check your caps on MyGov before acting. Going over the $30k limit, including your employer's 12% SG, can lead to extra tax.

Want the full 2026 EOFY checklist? DM us "GUIDE" and we'll send it through.

📲 Book a Free Strategy Session via our link in bio.

ABN: 46 679 016 525 | AFSL: 561 658 | 📞1800 841 969

Disclaimer: The information provided on this post & page is general in nature and does not constitute personal financial advice. You should consider seeking advice from a licensed financial advisor before making any financial decisions.

14/05/2026

There's this really common idea that you need to have your finances in a decent place before it's even worth seeing a financial planner, and honestly it's one of the biggest reasons people put it off for years.

The truth is the people who come to us with everything already sorted are actually pretty rare. Most of the time someone walks in with a messy super they've never looked at, a mortgage that feels overwhelming, savings that aren't really going anywhere and a general sense that they should probably be doing more. That's not a reason to wait, that's quite literally the whole reason we exist.

The best time to see a financial planner is probably earlier than you think.

Real Talk with Redwood 🌿

ABN: 46 679 016 525 | AFSL: 561 658 | 📞1800 841 969

Disclaimer: The information provided in this video is general in nature and does not consider your personal objectives, financial situation or needs. You should consider seeking advice from a licensed financial adviser before making any financial decisions.

Financial planning should never leave you more confused than when you started🌿John's experience with the Redwood team wa...
12/05/2026

Financial planning should never leave you more confused than when you started🌿

John's experience with the Redwood team was exactly that - clear, easy to follow, and with any confusion sorted quickly. No one left in the dark.

That's the standard we hold ourselves to every single time.
Tired of financial jargon? DM us. We'll make it make sense.

ABN: 46 679 016 525 | AFSL: 561 658 | 📞1800 841 969

Disclaimer: The information provided on this post & page is general in nature and does not constitute personal financial advice. You should consider seeking advice from a licensed financial advisor before making any financial decisions.

12/05/2026

The cheapest super fund isn't always the best one, and the math actually proves it.

The standard advice most Australians hear is to check your fees, find the cheapest fund and save money. And yes, fees do matter, but cheapest is not the same as best and for a lot of people that framing is quietly costing them more than the fees they were trying to avoid in the first place.

Super fees come in three forms: administration, investment and insurance fees. But the number that actually determines your retirement outcome isn't the fee, it's the net return after fees. A fund charging 1.2% that delivers 8.5% growth gives you a net return of 7.3%, and a fund charging 0.3% that delivers 6.5% growth gives you just 6.2%. The cheaper fund just cost you more.

According to ASFA's most recently published Retirement Standard data, a comfortable retirement now costs $77,000 a year for a couple and just under $55,000 for a single person, with lump sums needed of around $730,000 and $630,000 respectively. These are record highs, and the gap between what most Australians accumulate and what they actually need isn't something that gets closed by saving $50 a year in fees. It gets closed by strategy, by understanding what you're getting for what you pay, and by looking at the full picture.

At Redwood Financial Planning, we work with Australians to review their super properly.

📲 Book your complimentary consultation today via the link below.

ABN: 46 679 016 525 | AFSL: 561 658 | 📞1800 841 969

⚠️ This post contains general information only and is not personal financial advice. Past performance is not a reliable indicator of future performance. Individual circumstances vary and we recommend speaking with a licensed financial adviser before making any decisions about your superannuation. Redwood Financial Planning Pty Ltd is authorised to provide financial advice under Australian financial services regulations.

The "best" super option isn't the one with the highest return last year. It's the one you can actually stick with.Most p...
10/05/2026

The "best" super option isn't the one with the highest return last year. It's the one you can actually stick with.

Most people choose based on a name that sounds safe, a friend's suggestion, or last year's performance. Or they never choose at all and end up in a default option that was never designed around their life.

But your investment option should reflect your age, your income stability, your time horizon and your comfort with volatility. Not someone else's.

Take two examples. If you're 35 with stable income and 25+ years until retirement, a short-term market drop should not change your long-term allocation. Sit tight.

If you're 58 and planning to reduce work soon, your structure may need to look very different. Same super system, completely different life stage.

The problem isn't growth vs conservative. It's mismatch. Mismatch creates panic. Panic creates switching. And switching at the wrong time causes real damage.

Choosing properly once is more powerful than switching five times.

📲 Book a Free Strategy Session via our link in bio.

ABN: 46 679 016 525 | AFSL: 561 658 | 📞1800 841 969

Disclaimer: The information provided on this post & page is general in nature and does not constitute personal financial advice. You should consider seeking advice from a licensed financial advisor before making any financial decisions.

Some people look at their super balance. Almost no one looks at what's actually shaping it.There are three things quietl...
07/05/2026

Some people look at their super balance. Almost no one looks at what's actually shaping it.

There are three things quietly influencing your long-term outcome and none of them are flashy.

Fees. Admin fees, investment fees, transaction costs. A 0.5% difference sounds small. Over decades, it isn't.

Insurance inside super. Life, TPD, income protection; premiums are deducted directly from your balance. That means less money compounding for retirement. Sometimes the cover is appropriate. Sometimes it's completely outdated for where you're at in life.

Contributions. Employer only? Salary sacrifice? Irregular top-ups? Your contribution pattern often matters more than short-term market returns.

Here's the mistake we see most often... people obsess over performance but never stop to review what they're paying, what cover they're holding, or how much they're actually adding.

If your balance hasn't moved the way you expected, it's usually one of these three. Not "bad luck."

Super performance isn't just about markets. It's about structure.
📲 Book your Complimentary Strategy Review. link in bio.

ABN: 46 679 016 525 | AFSL: 561 658 | 📞1800 841 969

Disclaimer: The information provided on this post & page is general in nature and does not constitute personal financial advice. You should consider seeking advice from a licensed financial advisor before making any financial decisions.

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