Financial Advisors in Brisbane, Australia
Strategic Financial Advice for
Brisbane Professionals and Retirees
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 Brisbane and Queensland, with advice delivered online so you can plan from wherever suits you.
Brisbane has grown fast over the past decade. Property values have surged and many people have built real wealth, often quicker than they expected. But wealth on paper does not automatically become a retirement income. Turning what you have built into steady, tax-efficient income that lasts is the job, and it is what we do, in plain language.
Comprehensive Financial Planning in Brisbane
Financial Planning in Brisbane That Fits the Way You Live
A lot of the people we work with in Brisbane are asset-rich but income-uncertain. You might own a home that has grown strongly in value, maybe an investment property too, and you have built super over a long career. Plenty of people here also relocated from Sydney or Melbourne and brought their savings with them. On paper you are doing well.
But retirement is not just about net worth. It is about turning assets into reliable income, keeping tax down once you stop working, and knowing how the Age Pension fits in. As retirement gets closer, the questions get practical:
- How do I turn property and super into income I can count on?
- How much can I spend without running out?
- Should we downsize, and what would that do to our Age Pension?
- How do I reduce tax in retirement?
These are the questions we work through every day with people across Brisbane, online, so you can text your adviser and get a real answer back without booking time off.
If you want the basics first, our guide on how retirement works in Australia covers the key ages and super access rules, and our article on the average super balance at 60 gives you a benchmark to compare against.
Financial Planning in Brisbane
Wealthlab is your expert financial planning partner in Brisbane.
A Structured Approach to Retirement Planning in Brisbane
For many people aged 55 to 65, moving from building super to drawing an income is the biggest financial transition of their lives. It takes coordination, not just projections. 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, which matters for Brisbane retirees whose property has grown in value.
- 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 Brisbane
From retirement planning to wealth management, we provide tailored solutions for your financial future in Brisbane.
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 Brisbane.
What does a financial adviser in Brisbane 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 Brisbane?
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. These figures are set by ASFA and updated periodically. Your own number depends on your lifestyle, housing costs and how long you live. 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.
When should I start planning for retirement in Brisbane?
The most valuable window for most people is the 10 to 15 years before they stop work, when decisions about contributions, investment settings and timing have the biggest impact. That said, it is rarely too late to put useful structure in place, even a few years out. For people in their 50s and early 60s, this is often when retirement starts to feel real and worth planning properly.
Do I need a financial adviser for retirement?
Advice tends to be most useful if your finances are more complex, you are within about 10 years of retirement, or you have $200,000 or more in super and investments. A good adviser can help you model income, manage tax, plan withdrawals and weigh up Age Pension timing. Whether it suits you depends on your situation, and our first call is free so you can decide without pressure.
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, being deliberate about the timing of super drawdowns, and factoring in the Age Pension from age 67. Many retirees also review spending and map out cashflow year by year. What works best depends on your circumstances. This is general information only.
How does Brisbane's property market affect retirement planning?
Brisbane’s strong property growth over the past decade means many pre-retirees hold a lot of their wealth in their home or an investment property. Property wealth is not liquid income, though. Planning often involves weighing up whether to downsize, how to coordinate property with super, and how property values affect the Age Pension assets test. These decisions can make a real difference to your retirement income. This is general information only.
How do you work with Brisbane 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 Brisbane?
Book a free, no-pressure chat with the Wealthlab team.
We will talk through where you stand and what your options are, in plain language.