"We had no idea we were losing $14,000 a year in tax by not salary sacrificing. Nasser restructured everything in one meeting and we finally feel in control."

Margaret and David came to us with two separate super funds, no salary sacrifice arrangement, and a combined balance well below what they needed. Both were on incomes above $120,000 — paying up to 47% tax on earnings that could have been growing inside super at 15%.

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What we did

"I'd had an SMSF for years and assumed it was fine. Nasser showed me I was paying double the fees I needed to and missing out on carry-forward contributions entirely."

Robert ran his own SMSF with a balance just under $400,000. His income had been inconsistent, leaving unused carry-forward entitlements sitting unclaimed across three prior years. We also found his fund was in a high-fee default option that had quietly eroded $11,000 over four years.

"I was $47,000 over the Centrelink assets test and assumed I'd get nothing. Nasser restructured my finances legally and I now receive over $11,000 a year from the Age Pension."

Helen came to us three months before turning 67, worried she'd miss out on the Age Pension entirely. Her assets sat just above the homeowner single threshold — entirely by accident. A straightforward repositioning of her account-based pension drawdown timing brought her inside the threshold without touching her lifestyle.