Financial Planning for Office, Admin and Contact Centre Workers

We’re invested in your long-term success. What we do is personal, and we take it personally.

Your financial decisions connect, so we consider the parts of your financial life that are relevant to the advice you need:

• Property & Investing
• Career & Income
• Tax Strategy
• Insurance & Protecting Your Family
• Super & SMSF
• Wealth & Investments
• Life Events & Changes
• Business & Wealth
• Legacy & Future Wealth
• Retirement Planning

This is how we help you make decisions today with your longer-term goals in view.

Everybody’s situation is different, so we listen first, understand what matters to you and explain your options clearly before we make a recommendation.

Your employer’s super contributions are generally worked out on your ordinary earnings, so fewer hours can mean smaller contributions. A few things can add to it:

• The low income super tax offset, which the ATO pays to your fund if you’re eligible and the fund has your tax file number
• After-tax contributions, which may attract a government co-contribution if you meet the ATO’s conditions, including two income tests, worked out when you lodge
• Unused before-tax contribution limits (concessional caps) carried forward to a year when your hours rise, if you’re eligible
• Super the ATO pays on government Parental Leave Pay, for a child born or adopted from 1 July 2025

We can plan which of these suits you, with an accountant confirming the tax.

Your accountant and financial adviser bring different expertise to the same decisions. Your accountant can advise on tax reporting, structures and consequences; we help you plan how cashflow, debt, super, investments and protection work towards your goals. We can coordinate before important decisions.

What an accountant does

• Prepares and lodges tax returns, BAS and financial statements
• Advises on tax structures such as companies, trusts and partnerships
• Manages bookkeeping, payroll and ATO compliance
• Provides tax advice on the consequences of a transaction

What a financial adviser does

• Sets a long term strategy across retirement, investing and cash flow
• Builds wealth from early in a working life, starting with cash flow, a first home and super
• Recommends specific super funds, investments and personal insurance
• Operates under an Australian Financial Services Licence, which is required to give personal advice on financial products
• Handles retirement planning, Centrelink and aged care strategy, and estate planning considerations

Professional roles and authorisations matter. We provide financial advice within our authorisations and work with your accountant for specialist tax advice and lodgements.

Where they work together

• Tax position. Your accountant confirms your marginal rate, deductions and carried forward losses, which shapes decisions on super contributions, investment structures and the timing of asset sales.
• Business and entity structures. Your accountant advises on the structure itself and your financial adviser works within it for investments, insurance and succession planning.
• Cash flow. Your accountant’s figures can help us understand what’s available for debt repayment, protection and longer-term goals.
• Before key decisions. We can coordinate with your accountant on contributions, asset sales and other material choices in time to consider relevant tax consequences.

The award usually depends on your employer’s industry as well as your job. One award covers clerical work for many private sector employers, but not employers in industries whose own award includes clerical roles, such as legal services, contract call centres and banking. Government employers sit outside that award, under other arrangements.

Under that award, your level is based on the skills your employer requires you to have and use. Fair Work is the place to check your award, level and pay, and we plan with the pay you actually receive.

Yes. Full-time, part-time, casual or temping, our financial advice and strategies can help you prepare. That could mean a buffer sized from household costs, any debts to pay down first, super across a gap and temp or part-time work in the meantime. Fair Work says casuals don’t get notice or redundancy pay, and most small business employers don’t have to pay redundancy pay under the National Employment Standards. An award, agreement or contract can say more.

Income protection is generally for illness or injury rather than losing a job, so we can help you understand what it would and wouldn’t do for you, and what may change with any cover if you leave. If your job does end, our redundancy advice can help with what comes next.

Plan for what you’d save, where you could live and the records you’d keep. One award that covers many office workers sets out how to ask in writing to work from home, and the employer can agree. This applies from the first full pay period starting on or after 26 October 2026. An agreement under that award must say how it can be varied or ended.

• Travel savings put towards a goal, such as savings or paying down a debt
• A home further out, tested on full office days, with a broker on any loan
• A record of the actual hours you work from home, which the ATO’s fixed rate method needs

An accountant can confirm the method, and we can plan the rest with you.

It’s worth starting with what the work would involve. The Tax Practitioners Board says BAS services provided for a fee need registration with the TPB, and its guidance sets out what counts: data entry that doesn’t involve applying tax law, for example, isn’t a BAS service. If you’re self-employed, Moneysmart notes you won’t have paid holidays or sick leave.

Once you work for yourself, super is generally yours to plan, and an accountant or the ATO can say whether a business you work for has to pay it. A general insurance broker can talk through professional indemnity. We can work out the costs of the move with you and check the cover you hold first, if you hold some.

Your fund’s calculators and general help can be a useful place to start, and the fund can explain what its tools assume. What we add is personal advice on your own situation: your budget around your hours, your super across funds, your cover and your next step at work. We bring them together in a financial plan, or Statement of Advice, and the decisions stay yours.

Yes. We can look with you at when you’d like to stop, and whether a few years on fewer days, some temp work or a handful of bookkeeping clients could be part of the picture. If you’ve worked part-time or taken time away, your own contributions, and carrying forward unused before-tax contribution limits (concessional caps) if you’re eligible, are worth planning.

We’d start from super and savings, with a partner’s plans beside yours if you have a partner. You can read more about our retirement advice.

We’re a national service, so you can meet with us by phone or video from anywhere in Australia. We also have offices in three cities:

• Sydney: offices in Sydney CBD, Parramatta, Seven Hills, Ingleburn and Narellan, servicing areas including the City of Sydney, Eastern Suburbs, Inner West, North Shore, Northern Beaches, Sutherland Shire, Blacktown, Liverpool, Campbelltown and all surrounding suburbs.
• Melbourne: our St Kilda Road office, servicing areas including the City of Melbourne, Port Phillip, Boroondara, Monash, Casey, Wyndham and all surrounding suburbs.
• Brisbane: our Eagle Street office, servicing areas including Brisbane City, Moreton Bay, Ipswich, Logan, the Gold Coast, the Sunshine Coast and all surrounding suburbs.

Yes. Whether it’s your first office job, a return from leave or your first clients of your own, you’re welcome to start with us.

There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first.

It’s useful to bring a recent payslip or client invoices, a super statement and any working from home agreement. We can go through the rest together.