Superannuation and SMSF advice — clear steps to make your super work harder for you

We help families, professionals and retirees across Melbourne and regional Victoria make smart decisions on super contributions, investment options, fees and structure — including whether an SMSF is right for you.

Book in 60 seconds. We’ll contact you within 1 business day.

Local team with 350+ years’ combined experience. AFSL/ACL details in footer.

Who is this for?

People wanting simple, effective pathways to grow super
People getting closer to retirement and wanting a plan for the next 5–10 years
People already retired who want their money working properly and providing a steady income
Business owners and professionals thinking about whether managing their own super is right for them
Anyone feeling unsure about how super works, including contributions, tax, investments or fees

What we help you solve

“Am I contributing the right amounts — and in the right way (before/after-tax)?”
“Are my investment options and risk level appropriate for my goals and time frame?”
“Are fees reasonable? Should I consolidate super accounts?”
“Should I start/continue a transition-to-retirement or pension strategy?”
“Is an SMSF right for my situation — or should I stay with a quality fund?”

What you’ll get with EJM Advice

A clear super strategy: Contributions (concessional/non-concessional), timing and tax awareness appropriate to your situation
Investment alignment: Portfolio settings and risk level matched to your goals and life stage
Fee and fund review: Sensible, transparent assessment; consolidations where appropriate
Retirement income planning: Transition-to-retirement and pension strategies, explained in plain English
SMSF suitability assessment: Pros and cons for your case — control, cost, time, responsibilities
Implementation help: We’ll do the heavy lifting and keep you informed
Ongoing reviews: Adjust as life, rules and markets change

Personal advice is provided only after we understand your objectives, financial situation and needs.

Is an SMSF right for you?

An SMSF can offer control and flexibility — but it’s not for everyone.

Good candidates often:

Want higher control over investments and structure
Can commit time and attention to trustee responsibilities, or engage appropriate support
Have sufficient balances where costs are proportionate

It may not be right if:

You prefer “set and forget”
Balances are low relative to costs
You’re unwilling to take on trustee obligations and compliance

We’ll assess your needs objectively and recommend what suits you — whether that’s an SMSF or staying with a quality super fund.

How we work together

You’ll always understand the “why” and “how” before making decisions.

Step 1 - Complementary Intro Call

No-cost, no obligation; understand your situation and goals; outline next steps

Step 2 - Strategy & Plan

We gather the right information and provide tailored, plain-English advice for your super or SMSF setup.

Step 3 - Implement & Review

We help you take action and review regularly to keep everything on track.

Our approach to super and SMSFs

Trusted by clients across Melbourne and regional Victoria

We support clients in Melbourne CBD, Geelong, Albury, Bendigo and Wangaratta.

Melissa Gundrill

"I'm incredibly grateful that my version of happiness was fully supported by the team at EJM."

Trish Zicari

"Thank you Manny and all the team at EJM. I feel like I’m part of your family"

Charlie & Gina Fenech

"We look forward to our continuing guidance and have absolute confidence in all the advice."

Mick & Patsy Andrews

"Manny has helped and advised us on many things over the years and his advice has always been right."

Geoffrey & Robyn Golightly

"We would have been lost in planning our retirement on our own."

Paul & Jayne Pozzan

"We will be forever grateful for the help and support that is available through EJM."

William & Kim Martin

"We met Ruby for the first time this year and we felt an instant connection with her."

Jonathan & Elise Pethybridge

"We commenced our journey with Brendan Cairns in 2011 when he started EJM in Wangaratta."

Louise van Iersel and Matthew Castanelli

"We greatly appreciate the care we have received from the team at EJM."

Colin & Paula Gething

"We found a firm that has and continues to have our best interests at heart."

Noela Langborne

"The best advice anyone has ever given me."

Ray & Lisa Borg

"Our journey with EJM has been a stress-free experience."

Tony & Mary Vespa

"Manny was always just a phone call away."

What our advice is — and isn’t

What it is

Tailored personal advice on super contributions, investment options, fund selection/consolidation, retirement income and SMSF suitability, provided after we understand your objectives, financial situation and needs.

What it isn't

Promises of investment performance or “better returns”; we avoid speculation and “quick wins.”

Information on this page is general in nature. Personal advice is provided only after we assess your situation.

Super & SMSF FAQs

Do I need a high balance to get value from super advice?

Not necessarily. Many clients benefit from contribution strategies, fee reviews and better investment alignment long before retirement.

Should I consolidate my super?

Often, but not always. We assess fees, insurance and features before recommending consolidation.

Can you tell me if an SMSF is right for me?

Yes. We provide a balanced suitability assessment, including responsibilities, costs and control benefits for your situation.

Do you help with retirement income (pensions/transition-to-retirement)?

Yes. We structure income strategies to support your goals and cash flow in retirement.

Will you help implement changes?

Yes. We handle the heavy lifting and keep you informed at each step.

Ready to build your plan?

Book your complimentary intro call now. No obligation — just a clear next step. Booking takes about 60 seconds. We’ll be in touch within 1 business day.

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