The thing that sticks out for me is what Tax minimising you have in place - you'd be salary sacrificing into super of course. Otherwise I'd think the pair of you would be paying a fair bit. Pretty much as Boson as covered earlier.
A good advisor would cover all of that with you - and have multiple options.
From my link earlier
https://www.prosolution.com.au/tax-a...-interrelated/, 70% use an accountant, 15% use a financial advisor, accountants aren't qualified to give financial advice.
Questions to ask a FA:
https://www.prosolution.com.au/dont-...stions-to-ask/
And if you get hit by a bus tomorrow, some info on wills - some surprising stuff too, take note the info on super:
https://www.prosolution.com.au/testa...y-trust-wills/