Financial Advisors in Gold Coast, Australia
Gold Coast's Trusted Retirement Planning
& Financial Advice Expertst
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 the Gold Coast , with advice delivered online so you can plan from wherever suits you.
The Gold Coast attracts a lot of people who have worked hard and are now focused on protecting their lifestyle in retirement. Many have relocated from interstate and brought property equity and super with them. Turning that into a reliable, tax-efficient income that lasts takes coordination, and that is what we do, in plain language.
Comprehensive Financial Planning on Gold Coast
Financial Planning on the Gold Coast, Designed for Lifestyle and Longevity
The Gold Coast has a high concentration of retirees and pre-retirees, and many of them have moved up from Sydney, Melbourne or elsewhere, often holding property equity and super built up interstate. Lifestyle matters here, and financial confidence is what supports it.
As retirement gets closer, the focus shifts from building wealth to making it last. The questions we work through most often are:
- How do I turn super and property into reliable retirement income?
- How do I make my savings last through a long retirement?
- How do my super, investments and the Age Pension fit together?
- How do I keep tax down once I stop working?
We work with you online, so you can text your adviser and get a real answer back without booking time off. If you have relocated for retirement and want to understand how the Australian system works, our guide on how retirement works in Australia covers super access ages, Age Pension eligibility and how to structure income after work.
Financial Planning on the Gold Coast
Wealthlab is your expert financial planning partner on the Gold Coast.
A Structured Retirement Planning Framework for Gold Coast Clients Aged 55–65
For many people aged 55 to 65, 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, including how relocation and property affect your position.
- 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 on the Gold Coast
From retirement planning to wealth management, we provide tailored solutions for your financial future on the Gold Coast.
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 on the Gold Coast.
What does a financial adviser on the Gold Coast 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 on the Gold Coast?
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. Many Gold Coast retirees who relocated from Sydney or Melbourne find their day-to-day costs are lower, though lifestyle expectations here tend to be high, so it pays to plan carefully. 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.
Do I need a financial adviser if I'm close to retirement?
The 5 to 10 years before you stop work is often the most financially important period of your life. The decisions you make around super, retirement income streams and Age Pension eligibility can have a big long-term impact. A good adviser can help you structure your assets, reduce unnecessary tax and check that your retirement income is sustainable. Whether it suits you depends on your situation, and our first call is free so you can decide without pressure.
How does retirement planning on the Gold Coast differ from other places?
The Gold Coast has a high concentration of retirees and pre-retirees, many of whom hold property, super and investments accumulated interstate. Planning here often involves coordinating property equity, super pensions and Centrelink considerations to create stable, tax-efficient income. Lifestyle expectations tend to be high, so making the money last matters as much as growing it. This is general information only.
Can you help with Age Pension and Centrelink strategy?
Yes. Age Pension eligibility is based on income and assets tests, and how your super, property, investments and cash interact with the Centrelink thresholds affects what you may receive. A lot of our work is helping people understand where they stand and how the pieces fit together, rather than promising a particular outcome. This is general information only.
Do you work with self-funded retirees on the Gold Coast?
Yes. Many of our Gold Coast clients are self-funded retirees who want a coordinated strategy across super, investments and non-super assets. The focus is on income sustainability, managing risk, and reviewing the plan as legislation or markets change.
How do you work with Gold Coast 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 your lifestyle instead of taking time off.
Thinking about your retirement in Gold Coast?
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.