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The Rules of the Game: Demystifying Super

If you’re a working Aussie, you have a mandatory savings plan running quietly in the background of your working life. By law, your employer regularly contributes a percentage of your earnings into this dedicated fund, which is then invested to grow over time. It generates substantial wealth through a powerful one-two punch: highly concessional tax rates that keep more of your money in your account, and the magic of compound interest. Over the decades, your regular contributions and the returns they earn build upon each other exponentially, meaning your money works just as hard as you do to build a robust nest egg for your retirement years.

Supercharge your super

Australia’s superannuation system is a powerful wealth-creation tool, but you have to know how the rules work to take the advantage. 

Here are the core numbers you need to know:

The Super Guarantee (SG):

This is the compulsory contribution your employer makes to your fund, which is steadily rising to 12% by 2025. This is essentially a forced savings plan running in the background of your working life.

Preservation Age vs. Pension Age:

You can’t touch your super until you reach your "preservation age", which sits between 55 and 60 depending on the year you were born. This is completely separate from the government Age Pension age, for which you have to be 67 years of age to be eligible. Neither of those benchmarks affect when you can retire, which is up to you. 

Tax-Free Withdrawals:

The ultimate reward of the super system is that once you reach age 60 and retire, the income you receive from your super is generally tax-free.

Contribution Strategies: Getting Ahead Smarter and Faster

Starting early and adding to your super is like planting a money tree; the effect of compounding interest means small, regular contributions can accumulate substantial wealth.

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Salary Sacrifice

After-Tax & Government Co-Contributions

Spouse Contributions

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Structural Choices: Finding the Right Home for Your Super

Having your super scattered across multiple accounts is a bit like having a leak in your financial bucket. The "double dipping" effect of administration fees and paying for redundant, overlapping insurance premiums will silently erode your hard-earned savings over time. Consolidating your accounts is a critical first step to plug the leak, but the strategy doesn't end there.

Once your money is in one place, you need to ensure it is in the right type of financial structure. The Australian superannuation landscape is complex, and choosing the right vehicle requires a deep understanding of your personal goals, tax position, and risk profile. We guide our clients through the nuances of the three main structures:

  • Industry Funds Originally created for specific industries and run by employer associations or unions, these funds are now generally open to everyone. They are often known for competitive fees and solid default investment options. However, they can sometimes have limitations if you are looking for highly customised, granular investment strategies.
  • Retail Funds Offered by financial institutions and available to the general public, retail funds typically provide a much wider menu of investment options. If you have a specific risk profile and want more flexibility over exactly which asset classes or markets your money is invested in, a retail fund might offer the tailored options you need.
  • Self-Managed Super Funds (SMSFs) This is the ultimate "hands-on" approach, allowing up to four members to pool their super and manage it themselves. While SMSFs offer maximum control—allowing you to invest in direct property or highly specific assets—they are incredibly complex. They come with heavy legal and compliance responsibilities as a trustee, strict tax rules, and significant running costs.

Navigating the choice between an Industry fund's simplicity, a Retail fund's flexibility, or an SMSF's total control is where having an expert on your side is invaluable. At Stream Financial, we do the heavy lifting to evaluate these complex structures, ensuring you aren't paying for features you don't need and matching you with the right fit so your money is working as efficiently as possible.

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The Pension Phase: Your Super’s Second Act

When you are ready to wind down from the 9-to-5, your superannuation enters its "second act." There are two main ways you can take advantage of your superannuation - Account-Based Pensions and or a Transition to Retirement (TTR) strategy.

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Account-Based Pensions:

When you retire, you can convert your accumulated funds into an Account-Based Pension (sometimes called an allocated pension). Think of this as a customisable ATM: you set a regular income, drawn from your super, while the rest of your money stays invested in a tax-exempt environment to keep growing.

The true magic of an Account-Based Pension lies in the tax benefits: if you are 60 or older, the income you receive is generally completely tax-free.

Furthermore, the earnings on your investments within this account are entirely tax-exempt, giving your wealth an incredible growth environment

Finally, any residual balance remains yours to pass on to your beneficiaries as a legacy

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Transition to Retirement (TTR):

If you aren't ready to stop working completely, a transition strategy allows you to access a portion of your super while still working part-time, easing you into your post-work life without sacrificing your income.

This is an ideal solution if you want to reduce your working hours to spend more time on hobbies, travel, or family, but don't want to sacrifice your current lifestyle or income level. It effectively tops up your part-time wage using your super, acting as a bridge between full-time work and full-time retirement.

Schedule a no-obligation consultation to talk about maximising your super's performance

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Real stories, real success

5.0
Richie S.
Nick has been fantastic to work with. From day one, he took the time to really understand our family's financial goals and what we wanted to achieve in the long term. He conducted a thorough review of our finances, including our insurances, superannuation and day-to-day budget, and provided clear, practical advice that has given us confidence in our financial future. Most importantly, we now sleep much easier at night knowing we have a plan in place and the right protections for our family. Nick is knowledgeable, approachable and genuinely invested in helping his clients succeed. We’re extremely grateful for his guidance so far and look forward to working with him for many years to come. Highly recommend.
Helga S.
Thank you Nick, for informing me about the ability to 'bring forward' additional money into Super when I thought it was the same as 'carry forward'! If you hadn't explained the difference and encouraged me to persist, I would have lost that last opportunity as I turned 75 to boost my Super!
Tammy H.
It is rare to encounter people who combine professionalism, expertise, persistence, compassion, and genuine humanity in the way Janis and the team at Stream Financial do. Throughout a long and challenging journey, Janis consistently demonstrated integrity, clear communication, and a genuine commitment to achieving the best possible outcome. I am deeply grateful not only to Janis, but also to Stream Financial for fostering a culture that genuinely cares about the people behind each case. If you are looking for a team you can trust to act with both expertise and heart, I would not hesitate to recommend Stream Financial. Thank you, Janis, for your kindness, compassion, and unwavering support.
Ravi R.
Stream Financial have been very helpful supporting me with my insurance needs to support my financial goals. Their professionalism, advice and ongoing support has been greatly valued and served our family well. Meeting financial goals needs good partners who are thoughtful to your needs. I can highly recommend the team at Stream Financial to support anyone looking for good practical sound financial advice.
Rhiannon V.
We’ve worked with Lachlan and cannot recommend his services enough. He explains things clearly and works with us to get the most out of our income and investments.
Truman M.
Lachlan has been so helpful and professional with us in trying to obtain life insurance for myself and my wife. We are very appreciative of his honest professional care and would highly recommend his service to others considering life insurance.
Jodie M.
I highly recommend everyone at Stream Financial. I feel so blessed to have found them as they really listen, care & give me the security I desperately need in my life. Big shout out to Lachlan for being a Master of Finances & for always being understanding & making everything so easy. And to Janis & Tim for your incredible knowledge & perseverance ensuring everyone is protected & catered for. If you need any financial help, look no further as Stream have got you covered!
Kaue S.
Fantastic experience with Nick and the team at Stream Financial. They are professional, approachable, and provide tailored advice that actually fits your life goals. Honest guidance and great support. A wonderful local business to have in our community!
Ryan B.
Nick was great to deal with. He was very good at explaining everything to us. Highly recommend.
David and E.
Spoke to Nick, he was great answered all our questions and concerns. Highly recommend his services 👍
Josh B.
Nick and the team at Stream were knowledgeable with their information. Showing great care for what will help our situation.
Cory B.
By far the best group of people I could ask for to lead me through to a better financial future. Friendly and approachable. Can't recommend the team highly enough.
Chanelle S.
Nick is absolutely incredible- I would highly recommend him! He is thoughtful and takes everything into consideration
Scott W.
From start to finish, Nick was professional, knowledgeable, and genuinely committed to getting the best outcome. He took the time to explain everything clearly, kept communication strong the whole way through, and made what could have been a stressful process feel smooth and straightforward. If you’re looking for someone who actually cares and delivers results, Nick is your guy. Highly recommend Stream Financial and especially Nick for anyone needing expert financial support. ⭐⭐⭐⭐⭐
Rachelle J.
Michelle made our insurance journey easy, understandable and never pushed us into a decision but rather informed us and let us make our decisions. Definitely recommend for your insurance needs.
Michelle W.
Michelle has been amazing to work with. She provided us with all the information we needed and her advice was on point. Highly recommend her and the team
Macca R.
I highly recommend reaching out to Lachlan Money. His knowledge and guidance was exactly what I needed to understand my financial situation and plan for the future.
Anna L.
I have been very happy with my recent experience at Stream Financial. Having never sought advice before, I was anxious about the process and very unsure of where to turn. A couple of family members who previously benefitted from excellent advice, recommended I speak with Stream Financial and Lachlan, in particular. I quickly became pleased that I made the call as Lachlan's genuine integrity was evident in the guidance he provided. His team and office staff have all been very professional, engaging and responsive.
Michael B.
Incredible people with a deep care for client outcomes. They’re always working to be at the top of their game, and it shows in the wonderful business they’ve built and results they consistently deliver for clients.
Robyn L.
Professional and very knowledgeable. Lachlan has been very helpful, understanding and giving me the courage and knowledge to go into retirement with all bases covered. I have no problem recommending them. 10/10
Fiona G.
Stream Financial and Nick were my first encounter with a financial advisor, and they did not disappoint. Nick was thorough in his explanations regarding my personal financial circumstances and was more than willing to cover (a number of times) my questions. He was clear and did not hesitate to allay my fears. Nick’s personality, industry knowledge and professionalism made it very easy to feel comfortable with the service he offers. Nick’s team (Mel & Michelle) were an added bonus. Always helpful, courteous and friendly. I can not recommend this group of outstanding professionals highly enough. I’m so glad I found them. Can I go past 5 stars? They deserve it!
JOHN PHILLIP M.
It’s our pleasure to recommend Stream. We have worked with the management of Stream Financials for many years. Lachlan is very knowledgeable and helpful in sorting out good forward planning.
Kate L.
Me and my partner have been with Stream for years now. They have a great team and great service. Would definitely recommend for anyone looking for financial services.
Sarah B.
Highly impressed with the team at Stream Financial Buderim. They made the whole process smooth and stress-free, explaining everything clearly and providing tailored guidance. Would definitely recommend their services.
Ben M.
Lachlan was so great to deal with. Super helpful and explained everything so well!
Liv D.
Janis & the team at Stream do a great job of looking after all my insurances . Any problems are solved quickly and professionally giving me a sense of security. I would and do recommend them to others. Keep up the great work !!
Ray G.
I have always been happy with the service provided by Janis & the team at Stream Financial. They are extremely professional, and really nice to deal with as well. I tell anyone who needs life insurance products that they shouldn't go anywhere else, as these guys are the best.
Joe S.
I've known about the Stream team for a few years via work. They have always been friendly, attentive, great communicators and really value and look after members of the local community for all things financial.
Manda P.
We have been using Stream Financial for over five years and couldn’t be happier. Most of our interactions are with Janice and Lachlan, who are always helpful and responsive, but we also know there’s a great overall team at Stream Financial supporting each other. They’ve provided excellent guidance with our superannuation and personal insurance policies, including regular reviews. Highly recommend their services!
Mickyboy X.
Stream Financial & Janis have been a great support to Caloundra Young Stroke Survivors Support Group for many years helping many of my stroke survivors & myself included navigate & assist in our claims through a very difficult period for us. Mick Thomson LLAS Group Facilitator & Stroke Survivor Caloundra Young Stroke Survivors Support Group
Athena L.
As a longterm client of Stream, I can’t recommend them highly enough! Over the years we’ve been very ably assisted by Janis and Lachlan, with great support from the entire team. When dealing with things like personal insurance and retirement planning, it’s so important to have experts on your side.
Mark H.
Lachlan has given us great financial advice for over 4 years. He is honest, thorough & a very genuine person. We highly recommend Stream Financial to anyone looking to secure a good financial future.
James L.
Janis was excellent to deal with and did a lot of work to help with making an insurance claim during a difficult time for me. Have dealt with her for a number of years and would highly recommend her to anyone.
Shirley W.
My 20 minute complimentary phone conversation with Lachlan was very helpful and informative. He was up-font in what to expect, answered all my questions with clarity and gave me food for thought without any pressure or expectation. Lachlan’s thorough knowledge of financial matters and the professional integrity he has demonstrated over the years I’ve known him give me confidence and peace of mind. I have no hesitation in recommending Stream Financial and Lachlan’s services.
Sean P.
Nick and the whole team at Stream Financial have been fantastic. They are welcoming, professional and communicative with their approach and advice. Highly recommended.
Stacey Morris Marriage C.
We can't thank you enough Lachlan! Since chatting with you, our plans for our future have changed dramatically. We've made solid goals for our retirement dream, have set the wheels in motion and are on track. And this is all thanks to you! Thank you for being so helpful, informative, inspiring and thought provoking!
Bryony V.
We just had our first meeting with Nick and we were so impressed with his professionalism and the whole team at Stream Financial. He took the time to understand both our situations and helped my husband and me think more carefully about our retirement plans. Nick explained everything clearly and made us feel at ease. There was no pressure at all and we really felt like he wanted only the best possible outcome for us. We're looking forward to working with him in the future.
Jordan H.
Friendly and helpful staff throughout every part of office. Really helpful and supportive information and advice from Lachlan Money. Truely appreciate his continued friendly professional advice throughout the year.
David B.
Lachlan took the time to understand our goals, explained complex concepts in plain language, and mapped out clear next steps without any pressure to commit on the spot. Lachlan’s approach was professional yet friendly, and we left feeling confident that he genuinely has our best interests at heart.
Natalie T.
I could not be happier with the service I have received from Tim & Janis at Stream Financial. If it wasn't for the two of them I would never have had such good insurance in place when I needed it. They helped me through the whole claims process and supported me in a time I needed it the most and with there expertise it made the approval process much easier. I will never be able to thank them enough for all their hard work.
Kyla B.
Highly recommend Stream Financial. Very knowledgeable and welcoming. We worked with Nick and found the process very easy and really liked how detail everything was explained. Definitely would Recommend
Karin F.
I truly appreciate the professional support and information provided by Janis during my applications for Income Protection and TPD insurance claims. Janis is very knowledgeable about the application process and what the insurers require. The process was as painless as possible and completed within a relatively short period of time. I cannot thank Janis enough for assisting me in this regard!
Stacey G.
Nick and the team at Stream Financial have been incredible to work with! He helped both Josh and me get clear on our future goals, reviewed our insurances, and made sure we’re set up financially. Nick really took the time to understand us—he showed genuine care, built trust, and gave us advice that was tailored to our needs, not just a generic solution. If you’re looking for someone who listens, cares, and gives you the best options, we highly recommend reaching out to Nick and the Stream Financial team. You won’t be disappointed!
milan S.
I am with Stream Financial for almost 10 years. During this period I was dealing with Lachlan. He was always very helpful and provided excellent service. His advice in regards to super investments were amazing and helped my super to grow to high level. i am happy to continue dealing with them through my retirement years. I highly recommend them and especially Lachlan, to anyone needing help around their super.
Clay L.
The team at Stream Financial were pleasant, warm and very insightful. I was looked after by Nick, who has given me great financial insight to my current circumstances and planning my future financial goals. The service as a whole has been be very supportive, non-judgemental and courteous. I would highly recommend this service to anyone interested!
belinda H.
Lachlan has been amazing to deal with for the past 2 years. He has listened to what we are trying to achieve and has given solid and sound advice. He has played a critical part to our future and we wouldn’t trust our future with anyone else. He is professional and personable.
Warrick “Waz” B.
Janis at Stream Financial is an absolute legend. She handled our recent life insurance claims with personal care, attention and efficiency that made the process much less stressful than it would have been otherwise. Highly recommend Janis and the team, whether it's taking out a new policy or handling a claim.
storm M.
Lachlan was great!! Spent the time and explained everything when I was lost!
Kaleb B.
Highly recommend Nick and the Team at Stream Financial! Great Customer service and support throughout the whole process.
Madeline S.
We are really appreciative of the service we received from Nick. The process that Steam has created is great and allows for tailored financial services. We felt very heard throughout the process and felt that Nick and the team went above and beyond what we expected.
Cat
Stream Financial is fantastic!!!! Both Lachlan and Michelle are down-to-earth, hard-working people. They have been professional, thorough and non-judgmental during our meetings that they have captured the essence of who I am as a person, while ensuring that the advice they presented was realistic and aligned with my goals. They have made sure I've understood and been kept well informed, so that I know the advice they give has my best interest at heart. Overall, these guys know how to get the job done while having a good laugh along the way. I'm excited to be working alongside them to achieve a better future.
Lee B.
Janis from stream from financial is a very special person. She delt with my insurance claim very professionally and compassionately I would highly recommend her and her organisation’s services.
Julian W.
Lachlan and the team at Stream Financial were very easy to work with and made an effort to understand our situation and goals.
Lasolana A.
Hi Lachlan It was so nice to meet with you yesterday and to bounce ideas around the room. Thankyou for hearing me and your ideas and thoughts. Thankyou! Plus I loved the welcome and sign plus your office lady was so bubbly, positive and kind 10/10 such a rarity these days. Please pass on my gratitude 🙏 Kind regards, Carole henry
Ciaran J.
We are incredibly grateful to have Nick as our financial advisor. As a young couple, navigating finances, superannuation, and insurance can be overwhelming, but Nick's patience and expert advice have made all the difference. He consistently provides guidance that suits our unique needs, and his dedication to getting things done efficiently is impressive. Nick is not only knowledgeable and professional but also genuinely caring. We trust him completely with our financial planning, knowing we don't have to worry about the complicated details. His support has given us peace of mind and confidence in our financial future. Thank you, Nick, for your outstanding service and for being such a trustworthy advisor.
Julie S.
Nick has been amazing with guiding and helping me understand the process and giving options. Anytime I've had questions, which has been a few times, he's been quick to respond and answer my queries. His knowledge and compassion has been fantastic! I highly recommend him. Thanks Nick.
Rosie G.
Nick was amazing and so informative. He really helped us with our goals and putting things into perspective. We can’t wait to continue on this journey with his help. Thanks again Nick
Gary
We used Nick at Stream and cannot speak highly enough of the overall service. From start to finish we felt we were in safe hands, and Nicks insight and forward thinking has really propelled us into actively working towards the goals set. Can't recommend highly enough
kelly M.
Highly recommend the team at Stream financial for their expert advice and professional service. Really helped us out with our financial plans.
kyle S.
Very happy with Janis and the Stream Finacial team services ! they always have my best interests at heart with quick and thorough responses when it counts. Great job guys !
Brett H.
We were recommended Lachlan Money of Stream Financial in Buderim by our solicitor as we felt we needed some help with our financial future. He has consistently helped clarify our direction and ease our minds regarding our specific needs and has become our partner in all things super and advice. Lachlan and the team at Stream Financial have been understanding and professional in their dealings to help us gain our future financial direction.
Sharon H.
We joined the Stream Financial team about 5 years ago and we are so glad we did. With their help, we now feel in control of our finances and our future as we creep towards that golden age of retirement. Regarding Simon's journey to accessing his income protection, the process was made simpler as each step was carefully explained and we felt thoroughly supported. Big thanks to all, in particular to Lachlan Money and Janis Glassop, for their help and guidance. Very appreciative that you are on our side.
Marianne O.
Nick from Stream Financial has been fantastic to deal with. He made us feel very comfortable to discuss our current situation and future goals, and provided really thorough advice to help us achieve it. Nick has been very professional and friendly throughout.
Jarrod S.
Lachlan clearly has considerable expertise in personal insurance. He was courteous and a pleasure to deal with. I am grateful I was referred to him.
Christian T.
Great experience speaking to Lachlan about two issues we had regarding Insurance and Super. Couldn't recommend them any higher
Jane D.
Helpful, knowledgeable, patient. We had a free, long, no-obligation meeting with Diane, where she took the time to listen and understand our situation. She explained that if we went ahead, the next steps would be a second meeting to compare different outcomes, depending on what options we chose to help us reach our financial goals, tailored to our specific situation and our level of comfort with risk; followed by a detailed proposal of how to accomplish the task. We found Diane to be knowledgeable, with an ability to explain complex information in an easily digestible manner.
Dani M.
Lachlan was an absolute delight to deal with from day one. He was so patient with me & was more than happy to walk me through any queries I had, always making himself available to me!
Lindsey N.
When I lost my husband , as well as being in grief I also had no confidence in my ability to manage my funds without him. Lachlan Money from Stream financial , as well as proving solid and intelligent advice for my family’s future financial success, was a genuinely warm and comforting support. I feel able to call upon Lachlan whenever I need assistance but rarely need to do so as his planning sessions with me describe a sensible and appropriate strategy towards prosperity with Stream Financial at my back.. I know I’m not doing this alone!
Alex L.
I was independently referred to Stream Financial Buderim by my accountant. Nick Tenuta undertook a review of my life insurances in order to make current and that I was not over insured paying out money for services I did not require. His professionalism, turn around time and constant engagement to keep me up to date on progress was all first class. I highly recommend these services.
Christine G.
Lachlan Money proved to be not only friendly and prompt in answering any of our questions but also very professional and knowledgeable when we were looking to transition to retirement. He gave us sound investment advice appropriate for our age and our future. I would not hesitate in recommending Lachlan to anyone looking for advice on their future wealth plans whether it be investing or retiring.
Lynette G.
Max and I have been with Stream Financial for over a year now and cannot fault the service we have received. The staff are very helpful and should I have extra questions all I have to do is call and they help me out. I would not delay in recommending Stream Financial and their staff.
Leanne K.
Am writing to thank Janis on her swift and efficient way she handled my claim process. I was very impressed with the professionalism of Janis. The apprehension I felt whilst making the claim was totally diminished by Janis skill set and knowledge handling of my claim. Janis always goes the extra mile to alleviate any stress or pressure on me throughout the whole process. My husband and I have an ongoing relationship/friendship with Janis, Janis makes you feel like family and she is there to support us in any way she can. We appreciate you Janis.
Amy
Amazing help, and super friendly! Made our dealings easy and comfotable. couldn't recommend Janis any more, she's great!
Alan K.
Twelve months ago my wife and I decided to change our financial advisor. Initial phone calls and meetings with Diane went well, and we were not blinded by financial words or plans. We suggest anyone looking for financial advice to contact, Diane at Stream Financial
Bruce M.
I have to hand it to you Janis, you have to be one of the most diligently communicative professionals I’ve ever worked with. From our first meeting in 2016 to date working through the insurance market that would best suit my needs, and you kept me updated at the drop of a hat. Your customer service was exceptional, as you kept me updated throughout the entire process. If had a question about the product, Janis responded promptly and professionally. Overall, my experience with Janis has been outstanding. Thank you again for everything. Sincerely, Leanne Kelly
Ashleigh M.
I met Lachlan today for my initial appointment. Absolutely impeccable service, can't fault it. Super friendly staff, super astute advice, and great coffee 😀 Would recommend to everyone. Thanks!
Jamie S.
We were very impressed with Lachlan's knowledge and expertise. Highly recommend if you're looking for assistance with financial planning.
Fiona R.
I was very nervous to sit down with Nick and Tim, they quickly put me at ease and were so helpful. They were always sure to check that I was comfortable with the plan and that I understood what they were advising. I feel much more confident with my financial situation and retirement plans. I thoroughly recommend them
Rob S.
I cannot recommend Janis and Stream Financial enough! Janis delivered an unbeatable and warm service that made the whole process so easy.
Clifford A.
We have been with Diane for over eight years, she has been such an enormous help with both of us retiring early. She has guided us expertly through all phases of retirement, we trust her with all aspects of our life, she has also become a confidante and friend. We would highly recommend.
Lez W.
We are retired and wanted to do better on our Super. We were apprehensive about going with a financial advisor, but found the people at Stream financial to be very professional and easy to deal with. Lachlan took time to explain the direction we should go and we are now in a better position. Very happy we made the decision to go with Lachlan and Stream Financial.
Shari B.
Very happy with the communication and service from Diane at Stream Financial - she could sense I was apprehensive about finances bu made the process seamless and completely tailored to my needs. Have already and will continue to highly regard her as a caring and solutions-focused financial advisor.
Allison B.
Highly recommend Stream Financial! Lachlan has been looking after our insurance for years and is extremely helpful and professional.
sharaane M.
Great communication, easy to understand.
Sam M.
Extremely helpfull definitely recommend
Sharon P.
The experience we had with Stream Financial was nothing short of amazing. They are so friendly and professional. The out come of our claim thanks to Janis and Lachlan was life changing . Also the advice for our future was perfect for what we need to do to secure our future. I highly recommend Stream Financial and will be a client for many years to come Regards Sharon
Fiona F.
I recently met with Lachlan Money to assess my financial situation and plan for pre retirement and future estate planning. Lachlan was very helpful and understood my situation immediately. He was friendly, easy to discuss with and be open about these sometimes delicate matters. I appreciated the time and advice Lachlan gave me and will be pleased to engage his services in the future. I was also extremely surprised at the end of my visit to be told that the consultation was no charge. Thank you.
Vaughan B.
I cannot recommend the team at Stream financial enough, they are lifesavers! Janis has been terrific even when I was not at my best and Tim is amazing and reassuring when I needed someone to talk to. It has been a life changing out come for myself and my family from the bottom of our hearts Thank you!
Amy G.
Lachlan was extremely helpful and professional, always there to assist and answer any questions. Lachlan truly went above and beyond to help myself and my husband with all our insurance needs. Very happy and thankful to you. Amy
Colleen F.
Stream Financial have been excellent in the way they conduct business. We have been extremely impressed with Janice Glassop. Janice is one of the most friendly, professional person we have ever dealt with, Janice would be a most valuable employee in any business. Thank You Janice All the very best in the future. Stay safe.
Zita H.
We have had the good fortune of working with Janis Glassop over a period of time on a very complex and distressing case. I cannot recommend Janis enough. Janis has at all times gone above and beyond in her role representing us. She has been totally committed to our case and her professionalism, knowledge and efficiency has been outstanding. Janis also has a very caring manner and takes the time to get to know her clients, which has allowed us to put complete trust in her with very personal information. I highly recommend Janis and the whole team at Stream Financial.
Richard L.
I have been insured through Stream Financial for a number of years and have recently had to make a claim on my IP insurance. I was in a very vulnerable place at the time and through the interactions with the team at Stream Financial I felt acknowledged and supported through the whole process. Initially meeting with Lachlan who was patient and thorough through the initial first meetings and then had the fortune of having Janis assist me from there on with regular phone calls to just check in and see how i was feeling as well as liaising between the insurance company on my behalf until I felt able to do so myself. I would highly recommend the team at Stream Financial as in my experience, I was entirely supported through the claim process and feel that they put me, the client first.
Toni-Maree C.
I would like to thank Janis for her amazing help when our insurance provider took out $6474 in error from our bank account (as we have a monthly direct debit with them). It was very complicated but Janis made them fix their error and refund all of our money back to us. I'm sure if I was solely dealing with the insurance provider on my own that I would still be waiting for our money to be refunded. Words cannot express my gratitude.

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  • 1300 983 942

  • Suite 11-14, 100 Burnett St
    Buderim, QLD 4556

  • Monday - Friday
    8:30 - 17:00

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