Know exactly what your super is worth in your divorce.
An independent actuarial report values the super you brought into the relationship in today's dollars — so the property pool reflects what each party actually contributed, not a 50/50 guess.
We act for one party at a time. No referral fees, no kickbacks, no fund affiliations — only the actuary's duty to the Court.
Flat A$495 + GST for every valuation report. Agreed in writing before instruction — no hourly billing, no scope creep, no surprises.
Every report complies with the FCFCOA Expert Witness Code of Conduct (Family Law Rules 2021, Ch. 7) and is signed by a qualified actuary.
One flat fee. Court-ready report. Nothing held back.
- Independent actuarial calculation
Signed by a Fellow or Associate of the Actuaries Institute of Australia.
- Pre-cohabitation balance reconstruction
From member statements, ATO transaction history and APRA fund-return data.
- Actual fund-and-option roll-forward
Net-of-fees returns of the specific investment option for each year held.
- Contributions, rollovers & fees treated
Insurance premiums, switches and rollovers reconciled across cohabitation.
- Section 79(4)(a) figure & sensitivity range
An honest band — not a single number — so the Court sees the robustness.
- Full methodology & assumptions disclosed
Cohabitation/separation dates, return series, scheme factors, limitations.
- FCFCOA Code-compliant signed report
Admissible in court and mediation under Family Law Rules 2021, Pt 7.1.
- One round of clarifying questions
After delivery, from either party or their lawyers — at no extra charge.
- 5 business day turnaround*
From receipt of complete information. Expedited delivery available on request.
Re-bases and supplementary reports for existing matters are quoted at concession rates. Defined-benefit interests (PSS, CSS, MSBS, ESSSuper, GESB West State, judicial pensions) are valued under the Family Law (Superannuation) Regulations 2001 — included in the same fixed fee.
The three questions everyone asks first.
How long does a report take?+
Standard turnaround is 5 business days* from receipt of complete information. Mediation Support Packs can be delivered in 5 business days, and urgent matters can be expedited on request.
What information do you need from me?+
Your most recent member statement, the date of cohabitation, and the date of separation. Where available, statements covering the relationship period help. If records are missing, we use APRA fund-return data and ATO contribution histories to fill the gaps.
How do you handle benchmark estimates when statements are missing?+
We apply our Balance Benchmark Rating method — matching your fund, investment option and cohort to APRA Heatmap returns and ATO contribution averages. Assumptions and limitations are stated upfront so the report remains independent and defensible.
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 a s 79(4)(a) financial contribution the Court weighs in their favour. The whole balance still enters the pool; without an actuarial calculation, that pre-relationship contribution goes unevidenced and unweighed. We provide the number, defensibly.
Watch: the hidden cost of splitting super 50/50.
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.
High Court — s 79(2) just-and-equitable is a threshold question; the court must first identify existing legal and equitable interests before altering them.
Articulated the sequential s 79 analysis (now codified by the 2024 Act); confirmed superannuation enters the property pool under Part VIIIB.
Global approach is the default, but a two-pool treatment is available where super contributions differ materially from non-super property.
Foundational authority on weighing initial contributions in the context of the whole relationship — not by a fixed formula.
First major Full Court application of Stanford — the just-and-equitable threshold is not a formality.
Property contributed before, during or after cohabitation can be brought into the pool; connection to the marriage informs weight under s 79(4).
25-year marriage: contribution split moved from 2/3:1/3 to 53:47 — long relationships are contextual but evidenced initial contributions still shift the result.
High Court reaffirmation of Stanford — the s 79(2) threshold and identification step remain mandatory.
A $495 + GST 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.
The contribution rule that puts your pre-relationship super on the ledger — once it's evidenced.
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 FCFCOA Expert Witness Code of Conduct (FCFCOA (Family Law) Rules 2021, Chapter 7), suitable for mediation, conciliation conferences and contested hearings.
Get a directional number in under two minutes.
The superannuation family law split calculator isolates the pre-cohabitation and post-cohabitation components of your super, then applies our Balance Benchmark Rating method — using APRA Heatmap returns and ATO contribution averages — to roll the pre-relationship balance forward to today's dollars. It's the same engine behind our paid reports, scaled down for a quick sense-check before you instruct a full valuation.
Estimates are indicative only and not a substitute for a signed actuarial report. Court-ready figures require the full valuation pathway.
- 01
Enter the basics
Fund, investment option, balance at cohabitation, and dates of cohabitation and separation.
- 02
Match your cohort
We map you to APRA-published net returns and ATO contribution averages for your age and income band.
- 03
Roll forward
Your pre-relationship balance is grossed up year-by-year using the matched return series, net of fees.
- 04
See the gap
You get an indicative today's-dollars figure — the portion of current super likely outside the matrimonial pool.
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.
See exactly what lands in mediation.
Before you instruct, download a redacted sample of a real valuation report. It's the same format we hand to mediators, registrars and opposing counsel — clear enough for parties to follow, rigorous enough to withstand cross-examination.
Identifying details have been redacted. Figures and methodology are representative of an actual matter.
- Plain-English executive summary
The headline number — pre-relationship balance in today's dollars — on page one, with a one-paragraph explanation a mediator can read aloud.
- Pool reconciliation table
Side-by-side current balance vs. pre-cohabitation contribution, with the matrimonial-pool figure clearly isolated.
- Year-by-year roll-forward
Transparent table showing how the cohabitation-date balance was grossed up using actual fund returns, net of fees.
- Methodology & assumptions
Data sources (fund statements, APRA Heatmap, ATO contribution histories), investment option mapping, and any benchmark estimates flagged.
- Authority & case law references
Stanford, Hickey, Coghlan, Pierce, Bevan, Calvin & McTier, Jabour — cited where they support the treatment applied.
- Expert declaration
Signed by a qualified actuary and compliant with the FCFCOA Expert Witness Code of Conduct (Family Law Rules 2021, Chapter 7).
Mediation Support Pack adds a one-page settlement-options summary tailored for the conference.
Compare report typesBring clarity before mediation.
Most matters can be scoped on a 15-minute call. Reports are typically ready within 5 business days* from receipt of complete information.