Plan the retirement that fits your life.
Personal financial advice for Australians approaching or in retirement. We’ll help you understand your options, model your income, and document a strategy in a written Statement of Advice.
Retirement planning built around your circumstances.
Retirement planning considers how your super, any other investments, the Age Pension system, tax settings, and your personal goals interact over time. It’s not a single decision, it’s a series of connected ones, made against a backdrop of rules that change and markets that fluctuate.
A personal advice engagement with us is designed to help you understand where you stand, model different options based on your circumstances, and document a considered strategy. All recommendations are provided in a written Statement of Advice with our fees disclosed upfront in our Financial Services Guide.
Retirement income modelling
We’ll prepare projections based on your current savings, any expected contributions, and realistic assumptions about returns and inflation. Projections are estimates, actual outcomes depend on future market performance and personal circumstances.
Strategy & structure
We’ll discuss contribution options relevant to your situation, including concessional contributions, non-concessional contributions, and catch-up provisions where applicable.
Risk & protection
Your investment allocation (inside super and outside) shapes the trade-off between potential returns and volatility. We’ll discuss options that may fit your timeline and risk tolerance.
Annual reviews
Retirement plans need reviewing as your circumstances, the rules, or the markets change. Our ongoing service covers regular review meetings and plan adjustments, our ongoing fees are disclosed in your Statement of Advice.
Common circumstances where retirement planning helps.
Everyone’s situation is different. These are some common scenarios where people find a personal advice engagement useful.
You're starting to think seriously about retiring
The decade before retirement is when many of the most consequential decisions are made, contribution strategy, investment allocation, and what your income structure will look like. Getting clarity at this stage helps you understand the options available to you.
Common context: Ages 50–65
You're about to stop work
Moving from accumulating to drawing down super involves different considerations, how to structure income, what to do about Age Pension eligibility, and how to approach investment allocation when the priority shifts from growth to sustainability.
Common context: Ages 60–67
You've been retired for a while
Already-retired situations often involve reviewing drawdown strategy, checking Age Pension entitlements as circumstances change, and thinking through estate planning. A review can help confirm that current arrangements still fit where you are now.
Common context: Ages 65+
Three steps to a documented retirement plan.
Take the quiz
Answer a few questions about your situation. You’ll get general information about where you stand. No personal advice is given at this stage.
Free strategy call
A no-obligation conversation with our team to understand your situation and what you’re looking for. If we’re a good fit, we’ll explain what personal advice would involve, including our fees.
Your super plan
If you engage us, we’ll gather detailed information about your circumstances, prepare your projections, and provide a written Statement of Advice. You decide whether to act on our recommendations.
Retirement questions, answered straight.
The information below is general in nature and doesn’t take into account your personal circumstances.
When should I start planning for retirement?
Honest answer: as soon as it starts feeling real. For most Australians, that’s mid-50s. Earlier is better, compounding is powerful, but even five years out, there’s meaningful structure we can put in place to change your retirement outcome.
How much do I need to retire in Australia?
Depends entirely on your lifestyle. ASFA’s “comfortable retirement” benchmark is around $77K/year for a couple. But your actual number depends on housing costs, travel plans, healthcare, and how long you live. We model your specific number, not a generic average.
What if I haven't saved enough?
Lower-than-ideal balances are common and don’t make retirement planning pointless, they make it more important. Options may include adjusting your retirement date, considering contribution strategies where eligible, reviewing investment settings, or factoring in the Age Pension. We’d cover what applies in your specific case in a personal advice engagement.
How often should I review my plan?
Annually at minimum. Major life events (selling property, inheritance, health changes, leaving work) usually warrant an immediate update. Our ongoing service includes annual reviews and on-demand check-ins as things change.
Is super alone enough to retire on?
For some, yes. For most, it’s the foundation but not the whole plan. Investments outside super, the Age Pension, your home (and downsizing decisions), and how you draw it all down, all of it matters. We model the full picture.
Can I still retire if the market is down?
Yes, with the right structure. Sequencing risk (a downturn early in retirement) is the biggest threat to a retirement plan. We model multiple scenarios and build in buffers, cash reserves, drawdown flexibility, so a bad year doesn’t blow up your plan.
Stop guessing. Get a real retirement plan.
15 minutes. Free. We’ll help you understand where you stand and what your options might look like.