Financial Advisors in Adelaide, Australia
Adelaide's Trusted Retirement Planning
& Financial Advice Experts
Wealthlab is a Melbourne-based financial planning firm that advises Australians aged 50 and over on retirement, superannuation and Age Pension strategy. We work with people across Adelaide and South Australia, with advice delivered online so you can plan from wherever suits you.
Adelaide has always taken a steady approach to building wealth. Many of the people we work with here have saved consistently over a long career, own their home or are close to it, and have avoided unnecessary risk. The focus now shifts from building super to turning it into a reliable, tax-efficient income that lasts. That is what we do.
Comprehensive Financial Planning in Adelaide
Financial Planning in Adelaide That Fits the Way You Live
A lot of the people we work with in Adelaide are disciplined savers. They have spent decades in health, education, government, defence, manufacturing, small business or professional services, and many own their home outright or are close to it. They are not chasing aggressive strategies. They want structure, coordination, and advice explained clearly.
As retirement gets closer, the focus changes from accumulation to income certainty. The questions we work through most often are:
- How do I turn super into reliable retirement income?
- How do I make my savings last 20 to 30 years?
- How do super, personal assets and tax fit together?
- Will I qualify for the Age Pension, and when?
One advantage for Adelaide retirees is that housing and everyday costs are generally lower than in Sydney or Melbourne, so retirement income can stretch further here. We work with you online, so you can text your adviser and get a real answer back without booking time off.
A lot of our Adelaide clients qualify for a full or part Age Pension from age 67, and the Centrelink process can feel overwhelming. Our step-by-step guide on how to apply for the Age Pension walks through eligibility, the documents you need and what to expect.
Financial Planning in Adelaide
Wealthlab is your expert financial planning partner in Adelaide.
A Structured Approach to Retirement Planning in Adelaide
For many people aged 55 to 70, moving from building super to drawing an income is the biggest financial transition of their lives. In a personal advice engagement we look at:
- Superannuation positioning. Structuring your super for the retirement phase, including pension commencements and tax-efficient income.
- Contribution strategies. Making the most of concessional and non-concessional contributions before retirement, where you are eligible.
- Retirement income structuring. Balancing account-based pensions, other investments and the Age Pension into steady income.
- Age Pension planning. Working out eligibility and timing under the assets and income tests.
- Cashflow modelling. Mapping realistic scenarios for both partners so you can see how long your money could last.
Every recommendation is documented in a written Statement of Advice, with our fees disclosed upfront in our Financial Services Guide.
Comprehensive Financial Services in Adelaide
From retirement planning to wealth management, we provide tailored solutions for your financial future in Adelaide.
Strategic planning to help you retire up to 5 years sooner with confidence and financial security.
Optimise your super strategy to maximise growth and minimise tax obligations.
Pension & Centrelink
Age Pension strategy, assets test optimisation, and Centrelink structural advice to get every dollar you qualify for.
Our senior advisers have 25+ years of combined experience. They’ve helped hundreds of Australian families retire with confidence.
Scott Jackson
Founder of Wealthlab and a Senior Financial Adviser since 2012. Scott’s background in economics and 12+ years of advice experience give him the ability to see the full picture and build strategies that actually work.
Outside work: Brazilian jiu-jitsu and a whippet named… the whippet.
Phil Sproule
13+ years in the industry, from managing adviser teams to coaching the next generation. Phil’s real passion is working one-on-one with families, helping everyday mums and dads plan for the retirement they deserve.
Outside work: Beach, camping, fishing, CrossFit.
Daniel
A calm, thoughtful approach to helping clients navigate super, investment planning, and insurance. Daniel works closely with individuals and families to create strategies aligned with what they’re working towards.
Outside work: Outdoors, cooking experiments, live music.
Frequently Asked Questions
Common questions about retirement planning and our services in Adelaide.
What does a financial adviser in Adelaide cost?
We offer a free initial call so you can understand what is involved before committing to anything. After that, our fees depend on the complexity of your situation, and we give you a fixed quote before any work begins, so there are no surprises and no hidden costs.
How much do I need to retire comfortably in Adelaide?
According to the ASFA Retirement Standard (March 2026 quarter), a comfortable retirement nationally needs around $51,278 a year for a single person and $72,148 a year for a couple, assuming you own your home. ASFA estimates the lump sum needed at age 67 to fund that lifestyle at roughly $630,000 for a single and $730,000 for a couple, alongside a part Age Pension. Because Adelaide’s cost of living is generally lower than Sydney’s or Melbourne’s, many Adelaide retirees find their savings stretch further. These figures are set by ASFA and updated periodically. This is general information only.
What are the super contribution caps for 2026-27?
For the 2026-27 financial year (from 1 July 2026), the concessional (before-tax) cap is $32,500 and the non-concessional (after-tax) cap is $130,000. Eligible people can bring forward up to $390,000 in non-concessional contributions over three years, subject to their total super balance. The general transfer balance cap is $2.1 million. Current as at July 2026. Source: Australian Taxation Office. This is general information only.
How do the Age Pension asset limits work?
The Age Pension uses an assets test alongside an income test, and you are paid under whichever test gives the lower result. If your assessable assets are below a certain level you may get the full pension; above that you may get a part pension that reduces as assets rise, until a cut-off point where it stops. Your family home is generally exempt, and non-homeowners have higher limits than homeowners because the home is not counted. Services Australia reviews these thresholds regularly (currently in March, July and September), so check the current figures on the Services Australia website or ask an adviser how they apply to you. This is general information only.
Do financial advisers in Adelaide help with Centrelink and the Age Pension?
Yes. A lot of our work involves helping people understand Age Pension eligibility, work through the Centrelink application, and see how their super and the Age Pension fit together. Advisers can also help with related entitlements like the Commonwealth Seniors Health Card. The aim is to help you understand your position clearly, not to promise a particular outcome.
What tax do I pay on super withdrawals after 60?
For most people aged 60 or over, withdrawals from a taxed super fund (which covers most Australian super funds) are generally tax-free, whether you take a lump sum or an account-based pension. If you have an untaxed element, which is common in some government or defined benefit schemes, part of it may be taxable. Because the detail depends on your specific fund and situation, it is worth checking before you draw down. This is general information only.
How can I make my retirement savings last longer?
There is no single rule, but common approaches include drawing down at a sustainable rate (a commonly cited benchmark is around 4% to 5% a year), keeping part of your portfolio in growth assets so it can keep pace with inflation, holding a cash buffer so you are not forced to sell in a downturn, and factoring in the Age Pension from age 67. What works best depends on your circumstances. This is general information only.
How do you work with Adelaide clients?
We are an online firm, so you work with your adviser by video and text rather than travelling to an appointment. You get the same advice team and the same written Statement of Advice as you would anywhere, and you can plan around work and family instead of taking time off.
Thinking about your retirement in Adelaide?
Book a free, no-pressure chat with the Wealthlab team, online and at a time that suits you. We will talk through where you stand and what your options are