Superannuation Specialists in Melbourne & Australia
At PCR Accounting & Advisory, we provide specialist superannuation advice for employees, employers, and business owners across Melbourne. Whether you are getting your super obligations right as an employer or building a retirement strategy that actually works, our superannuation advisers are here to make the process straightforward and stress-free.
Retirement Starts With the Right Super Advice
Superannuation Advice for Employees and Employers Across Melbourne
Your superannuation is likely to be one of your most significant financial assets by the time you retire, yet most people pay it very little attention until it’s too late. Whether you are an employee looking to grow your retirement savings or an employer managing your super obligations, the right advice at the right time makes a significant difference to where you end up.
PCR’s Melbourne superannuation advisers give you clear, honest guidance and ongoing support at every stage. And if your current adviser is not delivering the superannuation expertise you need, it may be time to switch.
Your Partner in Retirement Planning
You shouldn’t have to navigate superannuation alone. With PCR as your superannuation adviser in Melbourne, you get the expertise, clarity, and confidence to make smarter decisions about your retirement, your obligations, and your future.
Superannuation Made Simple. Retirement Made Certain.
Your Retirement Deserves More Than a Set and Forget Approach
Getting superannuation right takes more than ticking a compliance box. At PCR, Melbourne’s superannuation specialists, we deliver:
No jargon, no runaround. Our superannuation advisers give you straightforward, practical guidance on your super position, your options, and the steps you need to take, whether you are an employee, employer, or small business owner.
Employers must contribute 12% of each employee’s salary under the Super Guarantee, with obligations spanning Industry Super Funds, Government Funds, and Self-Managed Super Funds. We help you stay compliant, avoid penalties, and manage your obligations with confidence.
Super is the foundation of your retirement, but it should not stand alone. We integrate your superannuation planning with your broader financial plan, investment strategy, and tax planning to give you the most effective path to a comfortable retirement.
Looking for more control over your super? A Self-Managed Super Fund could be the right structure for you. Our specialist SMSF advisers can walk you through the setup, compliance, and ongoing management of your fund.
From voluntary contributions and rollovers to investment updates and wind-ups, we manage the full lifecycle of your superannuation so nothing falls through the cracks. We also provide ongoing business management reports to keep employers across their obligations year-round.
Superannuation Consultants Trusted by Melbourne Businesses and Individuals
Why Choose PCR as Your Superannuation Adviser?
We give you clear, honest and professional advice, no jargon
We build superannuation strategies that maximise your retirement savings
We protect your wealth and help you plan for a retirement you can actually look forward to
Superannuation Services That Cover Every Need
Our Superannuation Advisory Services
Whether you are an employee planning for retirement or an employer managing your super obligations, PCR provides end-to-end superannuation consulting across all fund types and structures.
- Employee Superannuation — Advice on growing your super, maximising contributions, and planning for retirement.
- Employer Super Compliance — Stay on top of your Super Guarantee obligations and avoid costly penalties.
- Tax Benefits and Tax Reporting — Understand the tax advantages available within super and ensure your reporting is accurate.
- Contributions and Transfers — Manage voluntary contributions, salary sacrifice arrangements, and fund rollovers.
- Market Value Updates of Investments — Keep your investment balances current and informed.
- Deeds and Fund Documentation — Ensure your fund’s governing documents are up to date and legally sound.
- Compliance and Administration — Full compliance management so your fund meets all ATO and regulatory requirements.
- Accessing Funds and Wind-Ups — Guidance on accessing your super at retirement or winding up a fund when the time comes.
- SMSF Setup and Management — Specialist advice for those wanting greater control over how their super is invested.
Start Your Retirement Planning the Smart Way
Don’t let poor superannuation planning put your retirement at risk. PCR’s Melbourne superannuation specialists are ready to help you take control, meet your obligations, and build a future you can count on. Call us today on 03 9847 7516 or enquire online.
Owner of PCR Accounting & Advisory, Peter Marmara-Stewart is a SAPEPAA foundation member and accredited advisor specialising in strategic business advice, asset protection & structuring and cashflow maximisation. Click here to find out more.
Superannuation Advice FAQs
A superannuation adviser helps individuals and businesses understand, manage, and optimise their superannuation. This includes advice on contributions, fund selection, retirement strategies, employer obligations, and tax-effective structures. At PCR, our superannuation specialists work alongside your broader financial and tax planning to give you a complete picture.
As of 1 July 2025, employers are required to contribute 12% of each eligible employee’s ordinary time earnings into a super fund under the Super Guarantee. This applies to Industry Super Funds, Government Funds, and Self-Managed Super Funds. PCR can help ensure your business is meeting its obligations correctly and on time.
The earlier the better. The power of compounding means that decisions made early in your working life have a disproportionate impact on your retirement balance. That said, it is never too late to optimise your position. Whether you are 30 or 60, a superannuation consultant can help you make the most of what you have.
A standard super fund is managed by a trustee on behalf of its members, with investment decisions made collectively. A Self-Managed Super Fund gives you direct control over how your super is invested, but also comes with greater responsibility for compliance and administration. PCR can help you determine which structure is right for your circumstances.
Yes. We advise both employers managing their super obligations and individuals planning for retirement. Our team provides superannuation consulting across employee super, contributions strategy, retirement planning, and SMSF setup and management.