7 quick questions about your retirement situation. Get an instant educational snapshot showing common strengths and gaps for Australians in a similar position.
General information only. Not personal financial advice. Privacy Policy
Based on your answers, we've identified 7 key insights about common retirement patterns for Australians in a similar position.
This is general educational information only. It does not consider your personal objectives, financial situation, or needs.
Comparing your answers against common patterns
Most people assume they're either doing fine or completely behind. The reality is, most people sit somewhere in the middle.
Things look okay on the surface, but there are small decisions that can have a big impact over time. And most people don't realise until someone points it out.
A lot of people feel like they should be doing something… they're just not sure what.
Think of it like this: if someone blindfolds you and asks you to hit a target with a bow and arrow, but doesn't tell you where the target is, what are your chances? Pretty much zero.
Now remove the blindfold. Show you exactly where the target is. Give you a few pointers on how to shoot properly. Your chances improve immediately.
That's exactly what this process is. It's about knowing where you're aiming, understanding how to get there, and making sure you're not missing something along the way.
Phil, one of our advisers, recorded this short video to walk you through the process, the costs, and what to expect. No surprises.
We spoke to someone recently who, on paper, looked fine. Good super. No major issues. Thought they were on track. They'd even spoken directly with their super fund.
But what they weren't told was how their partner's situation affected things. That one missing piece meant they weren't structured correctly… and they ended up missing out on a significant amount in pension eligibility.
Not because they made a bad decision. Just because they didn't have the full picture.
This is one example from a specific client situation. Individual outcomes vary significantly based on personal circumstances. This is not a guarantee or prediction of any particular result.
A lot of advice focuses on "let's move your super here" or "let's get you better performance." But that's only one piece of the puzzle.
The real value comes from how everything is structured, how you're contributing, how tax is managed, what opportunities are available to you, and knowing what direction you're heading in. That's what we focus on first. Then we look at the vehicle that supports that strategy.
If you're like most people we speak to, you might be sitting in the same super fund for years, using whatever your employer set up, assuming your industry fund is "the right one," or not really sure if anything needs changing.
And that's completely normal. But the reality is, those setups are designed as one-size-fits-all defaults, and may not suit everyone's situation.
"Am I actually on track?"
That's the right question. Most people we speak to don't have a clear answer, and getting one is the most valuable first step you can take.
"I probably don't have enough to justify advice."
The people who benefit most often aren't the ones with the biggest balance. Small changes to fees, contributions, and structure often have the largest proportional impact.
"It's going to be expensive."
The first conversation is free. And if formal advice makes sense, our typical fees range from $5,500 to $8,000 for a retiree. You'll know the cost before you commit to anything.
"I should figure it out myself first."
The people who get ahead don't do it alone. They get the right advice at the right time. And the one thing we hear all the time is: "I wish I'd done this sooner."
If you want clarity on where you stand, you can book a quick 15-minute conversation. No pressure, no obligation. A clear, no-pressure conversation about common areas people in a similar position find worth looking into.
You'll speak with Jordan. Not a call centre. Just a real conversation about your situation.
This isn't about being told what to do. It's a conversation. You'll be speaking with Jordan, someone who can help you step back and see things more clearly.
We'll walk through common scenarios, explain how things generally work, and help you understand the types of options that are typically available. This is a general educational conversation, not personal advice. No pressure. No push.
15 minutes with Jordan. Educational only. Personal advice is only provided if you choose to engage us formally.
We've just setup our self managed super fund & Phil has been amazing. He's given us so much confidence throughout the whole process. Incredibly responsive and always happy to spend the time explaining until we feel comfortable.
Still not sure? Most people come into this conversation just wanting clarity. Worst case, you walk away with a better understanding of where you stand. Best case, you uncover opportunities you didn't realise were there.
Sometimes just saying things out loud, and having someone guide the conversation, can completely change how you see your situation.