Why Fresh Level exists
The Australian retirement system is complicated by design. Between superannuation, age pension eligibility, asset tests, and contribution caps, navigating this landscape without expert guidance often leads to costly mistakes.
Fresh Level was founded on a simple premise: most people approaching retirement deserve better than generic advice or product-driven recommendations. They deserve someone who takes the time to understand their specific situation and helps them make informed decisions.
Our approach
We don't sell financial products. We don't earn commissions on fund placements. Our only revenue comes from providing advice, which means our recommendations are driven by your interests, not sales targets.
Every consultation starts with listening. What are your retirement goals? What concerns keep you awake? What do you already have in place? From there, we build a complete picture of your financial position and identify the opportunities available to you.
For some clients, that means optimising superannuation contributions before retirement. For others, it's restructuring assets to maximise age pension entitlements. Some need help establishing a self-managed super fund. Each situation is different.
Who we work with
Our clients include teachers nearing the end of their careers, small business owners planning their exit, professionals wanting to maximise their super, and retirees trying to understand what they're entitled to from Centrelink.
What they have in common is a desire to make informed decisions rather than hoping everything works out. Retirement planning isn't about guarantees or predictions—it's about understanding your options and choosing wisely while you still have time to adjust.
Qualifications and experience
We are registered tax agents specialising in superannuation and retirement income. Our team has over 30 years of combined experience navigating Australia's retirement system, including extensive work with self-managed super funds and Centrelink regulations.
We maintain ongoing professional development to stay current with legislative changes, tax rulings, and superannuation regulations. The rules governing retirement in Australia change frequently—our job is to ensure you're working with current information, not outdated assumptions.
What makes us different
Most financial advisors are generalists. They handle mortgages, insurance, investments, and retirement as part of a broad service offering. We focus exclusively on the retirement phase and the decade leading up to it.
This specialisation means we see patterns and opportunities that generalists might miss. We know which Centrelink strategies work, which superannuation structures make sense for different circumstances, and how small changes can compound over time.
We're also transparent about what we don't know. If your situation requires legal advice, estate planning beyond basic death nominations, or aged care financial planning, we'll connect you with the right specialist rather than attempting to handle it ourselves.
Our commitment
When you work with Fresh Level, you can expect clear communication, honest assessments, and recommendations based on your specific circumstances—not generic templates or one-size-fits-all strategies.
We'll explain both the benefits and trade-offs of any strategy we recommend. We'll help you understand not just what to do, but why it makes sense for your situation.
Most importantly, we'll never pressure you into decisions. Retirement planning is too important for rushed choices. Our role is to provide information, analysis, and support—the decisions remain yours.