Superannuation reports for separation, mediation and settlement.
We calculate superannuation balances, pre-relationship super, actual investment growth and benchmark estimates for separating couples, family lawyers and mediators.
General information only. We do not provide legal advice, financial product advice or superannuation product recommendations.
- 1Brought-in super analysisEstimate what opening super grew to by separation.
- 2Actual or benchmark returnsUse actual fund data where available, or transparent benchmark estimates.
- 3Mediation-ready reportsPlain-English summaries with technical appendices.
- 4Expert-witness styleIndependence, assumptions, methodology and limitations clearly stated.
Every report is signed by a qualified actuary with expert-witness credentials in superannuation.
Not a template. Not a paralegal spreadsheet. Our valuations are prepared and signed by Fellows and Associates of the Actuaries Institute of Australia who specialise in superannuation, hold expert-witness experience in the Federal Circuit and Family Court of Australia, and comply with the FCFCOA Expert Witness Code of Conduct (Family Law Rules 2021, Chapter 7).
Fellows / Associates of the Actuaries Institute of Australia.
Reports prepared to FCFCOA Code of Conduct standard.
Accumulation, defined benefit, SMSF and hybrid schemes.
Methodology, assumptions and limitations stated upfront.
Not all superannuation is matrimonial property.
What a party brought into the relationship — plus the investment return that balance would have earned — is generally excluded from the asset pool. Without an actuarial calculation, parties either over-share or under-share. We provide the number, defensibly.
The super you brought in is a section 79(4)(a) initial contribution.
There is no fixed formula — but there is a settled body of authority. The Court accepts evidenced, grossed-up valuations of pre-relationship super as a direct financial contribution. Vague assertions don't move mediators or registrars. Numbers do.
The four-step framework starts with identifying the property pool — including super.
Super can be treated as a separate pool where contributions are materially disproportionate.
Actuarial roll-forward of pre-cohabitation super to separation date is judicially accepted.
Initial contributions weighed in the context of the whole relationship — not 'frozen in time'.
The Court must give 'full weight' to a properly evidenced initial contribution.
Modern Full Court authority endorsing two-pool, asset-by-asset super treatment.
A $1,650 report routinely shifts settlements by tens of thousands.
The single most common — and most expensive — mistake in family law is splitting current super balances 50/50 without first valuing what each party brought in, in today's dollars. Compounding does the damage silently.
What $50,000 of super in 2003 is worth in 2025 at 7% net p.a.
How much most people undersell their pre-relationship balance by.
Number of times a vague assertion has won a contested super argument.
One defensible number for every matter.
Actual-history valuation
Where statements are available, we trace contributions and investment returns from cohabitation to separation, isolating the pre-relationship component grossed up by actual fund performance.
Benchmark estimate
Where records are missing, we apply our Balance Benchmark Rating — a fund-and-cohort matched estimate using APRA returns and ATO contribution histories.
Expert witness report
Court-format reports compliant with the Family Court Expert Witness Code of Conduct, suitable for mediation, conciliation conferences and contested hearings.
From instruction to signed report — under two weeks.
Engagement is fixed-fee, scoped on the first call, and confirmed by retainer letter the same day. We work directly with parties, lawyers and mediators.
Bring clarity before mediation.
Most matters can be scoped on a 15-minute call. Reports are typically ready within 7–10 business days from receipt of complete information.