Tino, who is aged 43 , has sought your advice about his superannuation planning. He is currently self-employed as an interior designer and earns about $180,000 annually before tax. Tino has a de facto, Xanthy, who is on leave from work at the moment to look after their two-year-old child. Xanthy will return to work as soon as the child commences school. Over the years, Tino has been a member of a number of superannuation funds. He is currently a member of four funds. His employers have made contributions or he has made the contributions himself. Tino would like to know: 1. What he should do about his superannuation; 2. Whether he can contribute to superannuation:and 3. The types of contribution he can make to superannuation