Most people assume accessing super means retirement.
But for those over 60, that’s not always true—and it’s a mistake that could cost you flexibility and options.
Take one of my clients, Simon. At 60, he was ready for a new challenge and eager to change employers.
But he thought accessing his super meant retiring completely.
What he didn’t realise is this: Changing employers after turning 60 is a “condition of release” under super rules. It means you can access your super—even if you keep working elsewhere.
For Simon, this opened up new possibilities.
Here’s what we did:
Accessed a portion of his super tax-free to do a cash-out-recontribution strategy to save $65,000 in super tax for his adult children if they inherit his super.
Reorganised his finances so he could reduce debt and lower his personal tax bill.
Left the rest of his super invested to keep growing for retirement.
He’s now working in a new role that energises him, with a leaner balance sheet and more peace of mind.
Here’s why this matters:
Many over-60s stay in roles they’ve outgrown—often because they think they have to for their super. But a career change at this age can unlock access to your super, giving you the financial confidence to explore new options.
It doesn’t mean you stop working. It just gives you more levers to pull.
If you’re over 60 and thinking about making a change, it might be time to revisit your plan.
There could be more flexibility than you realise.