Financial Advisors in Perth, Australia
Perth'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 Perth and Western Australia, with advice delivered online so you can plan from wherever suits you.
Many of the people we work with in Perth have built their super through strong earning years, sometimes with income that rose and fell across cycles. As retirement gets closer, the question shifts from building wealth to making it stable and predictable. That is what we do, turning decades of hard work into a clear retirement income, in plain language.
Comprehensive Financial Planning in Perth
Financial Planning in Perth That Fits the Way You Live
Perth has a different rhythm. A lot of the people we work with here have lived through income cycles. You may have worked in mining, oil and gas, engineering, construction or large-scale infrastructure, with years of very strong income followed by quieter periods, and you likely made substantial super contributions during your peak earning years.
Now you are approaching retirement, and the focus shifts from accumulation to stability. The questions we hear most often are:
- How do I convert my super into reliable income?
- What happens when the high-earning years stop?
- How do I reduce tax in retirement?
- Will I qualify for any Age Pension support later?
Retirement planning in Perth often means turning a high but variable income into predictable, sustainable retirement income. We work with you online, so you can text your adviser and get a real answer back without booking time off.
If you want to understand how the system works first, our guide on how retirement works in Australia covers super access ages, Age Pension eligibility and how to turn super into income.
Financial Planning in Perth
Wealthlab is your expert financial planning partner in Perth.
A Structured Approach to Retirement Planning in Perth
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 your final contribution opportunities before retirement, where you are eligible.
- Retirement income structuring. Replacing your employment income with steady, sustainable income from super, other investments and the Age Pension.
- 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 Perth
From retirement planning to wealth management, we provide tailored solutions for your financial future in Perth.
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 Perth.
What does a financial adviser in Perth 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 Perth?
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 Perth professionals in mining, resources and engineering have above-average super balances from their high-earning years, so the key challenge is often converting that into sustainable income once the high salary stops. These figures are set by ASFA and updated periodically. This is general information only.
How does variable income from mining and resources affect retirement planning?
Many Perth professionals experience income cycles: strong earning years in mining, oil and gas, or construction, followed by quieter periods. That creates specific challenges. Super contributions may be front-loaded into certain years, tax planning has to account for income variability, and moving from a high salary to a fixed retirement income takes careful structuring. An adviser can help you smooth these patterns into a predictable income stream, whenever your high-earning years happened. 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 can I grow my super before retiring?
Common ways to build super in the years before retirement include making extra contributions through salary sacrifice or after-tax contributions (within the caps), consolidating multiple accounts to reduce duplicate fees, and reviewing your investment options and fees. People aged 55 and over may be able to use downsizer contributions from selling their home, and lower-to-middle income earners may be eligible for government co-contributions. What suits you depends on your situation and your cap space. This is general information only.
What are the super withdrawal rules in Australia?
Super is generally preserved until you reach your preservation age (60 for those born on or after 1 July 1964) and retire, or until you turn 65. There are limited exceptions, including transition to retirement, and early release on grounds such as severe financial hardship, terminal illness or certain compassionate grounds. For most people aged 60 and over, withdrawals from a taxed super fund are generally tax-free. This is general information only.
Am I eligible for the Age Pension?
To qualify for the Age Pension you generally need to be at least 67, an Australian resident for at least 10 years (with 5 years continuous), and meet both an income test and an assets test. Your main home is generally exempt from the assets test. The thresholds are set by Services Australia and reviewed regularly through the year, so it is worth checking the current figures or asking an adviser how they apply to you.
How do you work with Perth clients?
We are an online firm, so you work with your adviser by video and text rather than travelling to an appointment. Being in a different time zone is not an issue, we work around it. 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 Perth?
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.