Retirement and Super > Superannuation


Super is an important part of your overall retirement plan. APS Benefits can assist you in selecting the best superannuation product for your needs.


Reduce your overall tax

Money in super is only taxed at 15 per cent, which may be lower than your personal tax rate.

Enjoy a tax free pension

When you are ready to retire, your super can be paid to you as a tax-free pension.

Our specialists

Timothy Foster

Timothy has more than 25 years’ experience within superannuation (especially Public Service superannuation), banking, accounting and financial planning organisations (both in Australia and overseas). Timothy Foster’s qualifications include Certified Financial Planning (CFP), Life Risk Specialist (LRS) & Advanced Diploma of Financial Services (Financial Planning).

Paul Hatzigeorgiadis

Paul has over 25 years’ experience in the financial services sector, commencing his career in 1996. Throughout this time Paul has seen how his quality advice helps people to get through tough times and enjoy the good times.

Talk with Paul for an appointment today on (03) 9322 2000, 1300 131 809 or email paul.h@apsfinplan.com.au.

We’re here to help you

Reach us from 9:00am until 5:00pm weekdays


1300 131 809



Notices & downloads

Financial services guide
Timothy Foster and Paul Hatzigeorgiadis (PDF, 331KB)


Important information

Financial planning services are provided by APS Financial Planning Pty Ltd. APS Financial Planning Pty Ltd and its Advisers are authorised representatives of Fortnum Private Wealth Ltd – ABN 54 139 889 535. AFSL 357306.