1st step, talk to Centre Link, they have financial advisers.
2nd step, find and talk to a good financial adviser (this will cost $$)
3rd step, talk to your accountant.
4th step, Make as an informed decision as you can with the information that you have collected
We went through this whole process a few years ago, it cost us about $3500 , but it saved us a sh1t load more than that as nearly everything we thought we could do was wrong, including a lot of what our accountant told us, They know the financial rules but not the government retirement/superannuation always since they change them all the time