• Industry Super versus Retail Super. Which is better for you? 
  • If you were to die before you’ve had a chance to spend all your super, who wouldyou prefer to receive what’s left over? Your loved ones or the ATO?
  • Are you duplicating your insurance premiums through your super?

Every year, it seems, they change  the rules – the retirement age, the contributions cap, and  so it goes on.

 That’s where we come in.

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Industry vs Retail?

What is Adviser led Super?

Too much cover?


Shop 12, Kingscliff Shopping Village

24 Pearl Street

PO Box 1218

Kingscliff NSW 2487

M 0433 149 788


Paul Cluff and PCFC Group Pty Ltd, ACN 615 084 243, ATF The PCFC Group Trust ABN 56 993 890 932 trading as MoneySmith Financial.

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Paul Cluff Credit Representative Number 383304 and Skyeblu Pty Ltd, ACN 108 370 341, trading as Moneysmith Australia.

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Please be aware that any advice that may have been given or implied is general advice only. We have not taken into consideration your individual needs, objectives or financial requirements. Before deciding to purchase a financial product, you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.