Things to consider when starting a family: 

• do you understand the increased costs involved in starting a family and having time off? Have you considered how you'll manage your debt and cash flow?  

• having children marks a significant life event; you may be eligible to increase your insurance cover without having to provide medical evidence. It's important you and your family are covered in the event of an accident or death by ensuring you have sufficient Income Protection, Total and Permanent Disability (TPD) or Death cover. 
• who gets your super in the event of your death? When your family expands, it's a good time to review your nominated beneficiaries.
• do you have cash flow plans in place when you go on maternity or paternity leave? Did you know paid maternity leave may not include Superannuation Guarantee (SG) payments from your employer?  See how contributing a little extra to your super now can help bridge the gap while you’re on leave.
• what happens to you super when you're not working? If you don't have that time to boost your super before you go on leave, your partner can make contributions into your super account. This way, your super account won't get left behind. 
• are you eligible for the Government Co-Contribution?  This is a handy way of adding a little extra to your account (paid for by the Government). So if your annual income is less than $58,445 and you make a post-tax contribution into your super, you may be eligible to receive the Government Co-Contribution. 
• if you change your name, don't forget to update your contact details so we can keep in touch about important information relating to your super.