Financial Advisors in Hobart, Australia
Hobart'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 Hobart and Tasmania, with advice delivered online so you can plan from wherever suits you.
If you have spent your working life in Hobart, in the state public service, health, education, the trades, hospitality or your own business, you have likely built your retirement the way most Tasmanians do: steadily, without shortcuts. The question now is whether what you have built is structured to work as hard as you have, for the next 25 to 30 years.
Comprehensive Financial Planning in Hobart
Financial Planning in Hobart That Fits the Way You Live
Retirement in Hobart brings a specific set of questions. You may own your home outright, and its value has grown over the last decade, but most of that wealth is tied up in the property. It is not income. You might have a solid super balance and simply want to know whether it is enough.
We regularly work with Hobart clients who are:
- Worried about running out of money
- Unsure how the Centrelink rules actually work
- Trying to balance super withdrawals with Age Pension eligibility
- Asset-rich but income-tight
- Wondering whether their investments are too aggressive or too conservative
Retirement planning here is rarely about chasing higher returns. It is about making what you have work properly, with straight answers and realistic modelling rather than jargon. We do it online, so you can text your adviser and get a real answer back without booking time off.
Wondering if your super is on track? Our article on the average super balance at 60 gives a benchmark. Many Hobart retirees sit below the national average because of lower lifetime earnings, but that does not put a comfortable retirement out of reach with the right planning.
Financial Planning in Hobart
Wealthlab is your expert financial planning partner in Hobart.
A Structured Approach to Retirement Planning in Hobart
For many people aged 55 to 65, moving from building super to drawing an income is the biggest financial transition of their lives. Most people we speak to here are not looking to double their money. They want stability, and to know their income will not suddenly disappear or be quietly eroded by inflation. 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 Hobart
From retirement planning to wealth management, we provide tailored solutions for your financial future in Hobart.
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 Hobart.
What does a financial adviser in Hobart 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 Hobart?
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. A modest lifestyle needs around $32,665 a year for a single. ASFA estimates the lump sum needed at age 67 for a comfortable lifestyle at roughly $630,000 for a single and $730,000 for a couple, alongside a part Age Pension. Hobart’s cost of living can be lower than the mainland capitals, though housing and essentials have risen, so these national benchmarks are a solid target. 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 I apply for the Age Pension?
You can claim the Age Pension through Services Australia online, by phone or in person, and you can submit your claim up to 13 weeks before you turn 67. It helps to have your identity, income and asset details ready. An adviser can help you understand your eligibility and how your super and the Age Pension work together before you apply.
How do the Age Pension income and asset limits work?
The Age Pension uses an income test and an assets test, and you are paid under whichever gives the lower result. Below certain levels you may get the full pension; above them you may get a part pension that reduces until a cut-off point. Your family home is generally exempt, and non-homeowners have higher asset limits than homeowners. The payment rates and thresholds are set by Services Australia and reviewed regularly through the year, so check the current figures on the Services Australia website or ask an adviser how they apply to you. 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, including your appetite for risk. This is general information only.
How do you work with Hobart clients?
At Wealthlab, we offer a free initial consultation so you can understand what’s involved before committing. Our ongoing fees depend on the complexity of your situation and the services you need. We’re transparent about pricing from the start there are no hidden costs. For most Hobart clients, the value of structured retirement planning far outweighs the fee, particularly when it comes to optimising Age Pension entitlements, reducing tax, and ensuring your income lasts through retirement.
Thinking about your retirement in Hobart?
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.