Financial planners are often referred to in a variety of ways: as financial planners and (where they are linked to an Australian Financial Services Licensee, such as Charter Financial Planning) as authorised representatives.
Planning for retirement involves not just finance and superannuation. It also includes your physical, social and emotional well-being, as well as keeping your mind active and staying motivated.
Superannuation is a way to save for your retirement. The money comes from contributions made into your super fund by your employer and, ideally, topped up by your own money. Sometimes the government will add to it through co-contributions and the low income super contribution.