making super work for working aussies


the best way to do


The average Aussie spends 5,400,000 minutes working. Why not spend 30 minutes making sure you can retire comfortably?

Stop ignoring your Superannuation, book a risk-free review, and see why so many Aussies are better off after talking to us.

The harsh reality for many

Hidden fees, default setups, and low returns

"I cannot recommend this team more highly after the contact I have had with them thus far. I look forward to exciting years ahead watching my little pot of gold grow into something more substantial."
Wendy M.
excess fees

Many Australians have Super funds spread out in many places and are losing money on fees and expenses.

default setup

Many super funds make it easy for employers to set up standard investments for their employees. This is the harsh reality, but that default setup is likely to come with low returns.

rich people have financial advisors

And thanks to Superannuation, you can too. Any financial advice you receive from our expert partners that pertains to your Super is payable by your Super. How great is that?

We listen to you

What are your retirement goals? How much do you need to retire with? We start by listening to your story, and then conduct research according to your goals.

Our expert partners

We partner with licensed financial advisory firms with established track records and experience in growing Australian Super funds.

A better projection

Most people we speak to see a significant increase to their Super fund projection.

our process

we listen, research, and then our partners tailor-make a plan for you

"I truly feel as though they have my best interest at heart and I am looking forward to dealing with them in the future."
Scott R.

the cost of our service

An obligation free service for you with no out of pocket expenses

"This has made working my finances. I have been able to understand all that has been done for me and feel far more secure for my future. Thank you so much! We could not have done this ourselves."
Alycia J.
our service is obligation free

Lifting the hood on your Super comes at no risk to you. You only pay IF you are happy with the result of our service and the plan from our preferred partners.

zero out of pocket expenses

If we are able to help your Super, great! Signing up comes with no out of pocket expenses, as financial advice relating to your Superannuation can be paid directly from your Super fund.

fees come directly from your super if you love our service and sign up

We help working Australians with their Super everyday. And people keep signing up with AGAT and our preferred partners because of the value of our service and our partners financial advice. It’s basic math. If the result is a projection that puts you in a better position in retirement than you otherwise would be, our small fee is worth it.

The smartest thing you'll do all day

Complete the form below to schedule your review

amjeck .
This has made working my finances. I have been able to understand all that has been done for me and... Read More »
Andre Massoud
Can I say that it was the best experience with a finance company I’ve ever had! Jordan was very professional, well... Read More »
Scott Gray
Fantastic service and couldn’t rate AGAT Business high enough. Jarrod was extremely professional to help direct me and set up my... Read More »
Philip Richards
A pleasant experience and great customer service. I am looking forward to seeing some results from the changes i have... Read More »
David young
Wow, what a difference compared to my old super fund. Jarrod was incredibly helpful and made the whole process painless.... Read More »

about us

We Are super fund support professionals

We believe that every Australian deserves a comfortable retirement. Our only mission is to help everyone with their Australian Superannuation.

Our Partners


Superannuation is a tax effective way to save for your retirement. It’s similar to a managed fund where your money is pooled with other members’ money and invested on your behalf by professional investment managers. Generally you will not be able to access this money until you retire. Your employer will make contributions to your super fund and you can top it up with your own money. The government may also make contributions if you are a low income earner.

When a super fund is originally created, whether by you or your employer, it is often automatically set up in a default account. This means it’s the same fund for everyone, with the same investments, fees, and insurances all attached. The problem with a default setup is that we’re not all the same. One strategy doesn’t fit every situation. A review allows you to identify and then tailor your investments to suit you and your situation. As an example, if you are 18 and just entering the workforce, you don’t want to be invested the same as someone who is 64 and about to retire. Default funds can also be quite expensive, often see low returns, and can come with insurances already attached that you may not want or need. It is important to look at these things because they will all impact the amount you retire with.

An industry fund was originally created for workers of a specific industry. For example, construction is usually CBUS, retail is usually Rest, and hospitality is usually Host Plus. Just because you are in an industry fund does not mean you are in the best place for you and your financial goals, needs, or objectives. They need to be tailored to you to get you the result that you want. You are not the same person as everyone else who works in your industry, and therefore should not be invested the same. Like any other fund, an industry fund can be tailored to suit you and get a better result at retirement.

According to Russell Investments, a large money management firm, a good financial adviser can increase your returns by an average of 3.75 percent per year. That might not sound like a massive difference, but over a long period of time, it can be.

Financial advisers are licensed professionals who look after your investments to ensure that at retirement, you have as much money as possible. Financial advisers can help with everything from your super, to insurance reviews, wealth management, investment properties and portfolios, and everything in between.

Active management is one of the most important things a financial adviser can provide. Almost all super funds are invested into the market. When the stock market crashes, that means you could end up losing money. Super is a long term investment so small dips in the market do not really make a difference over the years, but bigger crashes can be devastating. In 2008, we saw one of the worst financial crises in recent history. When this happened, many Australians found that they had lost thousands of dollars from their super fund. Because a super fund is just an administration service, it is not their job to defend your money when markets are bad. A financial adviser is able to actively manage your fund, and pull you out of the market when it starts to crash so you avoid losing large portions of your super. The closer to retirement you get, the more important that becomes.

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