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Pension Financial Advisor

Managing finances in retirement can feel overwhelming, but with the right pension financial advisor, you can take control of your income and ensure long-term financial security. Whether you’re already retired or approaching retirement, having a clear plan ensures your pension lasts and supports the lifestyle you want.

At Setch, we empower you with personalised financial advice for pensioners so you can enjoy financial freedom after hitting the retirement milestone. From optimising pension entitlements to managing superannuation withdrawals and investments, our online financial advisors help you build a strong financial foundation for your retirement years.

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The Benefits of a Financial Advisor for Pensioners

A well-planned retirement doesn’t happen by chance - it’s built on smart financial decisions. Our financial advisors for pensioners can craft a plan that keeps your finances stable while helping you:

  • Secure Pension Benefits: Understand your entitlements, how to structure your income, and make use of available government support for optimal outcomes.
  • Manage Superannuation & Investments: Balance pension income with other assets for a steady cash flow with our financial advisor for superannuation.
  • Improve Tax Efficiency: Our pension financial advisor structures withdrawals to minimise tax burdens.
  • Protect Against Inflation: Pensions often lack cost-of-living adjustments (COLAs). We create strategies to combat inflation and maintain your purchasing power.
  • Reduce Financial Stress: Whether you need a financial advisor for debt management or want to safeguard your assets, we help ease financial worries so you can enjoy retirement.

Plan for Long-Term Care & Expenses: Prepare for future healthcare, housing, and unexpected costs with our aged care financial planner so you're never caught off guard.

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Expert Financial Advice for Pensioners

A solid pension strategy helps you balance withdrawals, investments, and government benefits to maintain a steady retirement income. Our pension financial advice focuses on:

  • Helping you understand pension eligibility and how to optimise payments.
  • Structuring super withdrawals to reduce tax and extend your long-term savings.
  • Planning investment withdrawals to support ongoing income without depleting funds too soon or too quickly.
  • Managing assets efficiently to avoid unnecessary financial loss.


Retiring soon or want to plan for financial freedom outside of your pension? Our financial advisor for retirement can help with personalised and actionable strategies. If you have a career within the healthcare line, our medical financial advisor can assist with solutions tailored to fit your unique circumstances.

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Access Professional Pension Financial Advice Today

Whether you need help managing pension income, super withdrawals, or planning for aged care, Setch’s financial advisors for pensioners provide clear, practical advice. Our team is available online, making it easy to connect with a financial advisor wherever you’re based.

Get in touch with Setch and book a free consultation today to ensure financial security in retirement.

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Case studies

Superannuation and Debt Management

Robert is 59 years old and single. He earns over $150,000 but still has a mortgage, a car loan and personal debt, and is somewhat exposed to rising interest rates.

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Mortgage, Investments and Insurance

Costa and Susan have two children and are in their early thirties. They have a mortgage and surplus savings, they are looking for ways to accumulate wealth and want to consider insurance.

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Retiring Early

Matthew is 49 years old and has children from a previous relationship. He has a house, a car, a boat and a motorbike but a low super balance.

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Portfolio Construction and Wealth Management

Peter and Aisha are in their 40s. Peter is in the construction industry but has not been happy with the performance of his superannuation. He notices that many of the large superannuation funds have investments in office buildings and is curious how infrastructure projects will perform financially as interest rates rise and the risks of these assets classes.

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Investments and Superannuation in the context of Relationship Separation

Sandra is 52 years old and has recently separated from her partner. Sandra owns a house with a mortgage from a previous relationship, and she owns a property with her recent ex-partner, and is looking for guidance in relation to the financial aspects of the separation and how to manage her investments and superannuation.

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Insurance and Wealth Accumulation

Robin and Noa have two young children and are 40 years old. Robin earns close to $90,000 and Noa earns close to $160,000. They have a mortgage and a personal loan, with monthly savings of about $750.

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Financial advice for Blended Families

Weng and Karen are 62 years old and 54 years old respectively and have non-dependent children from previous relationships. They have been divorced.

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Financial Advice for Young Families

Patrick is a devoted father with a young family. He has a solid income and wants his superannuation to work hard for his family’s future. Like many Australians, his superannuation contributions are directed to a fund selected by his employer, which includes basic insurance arrangements. Patrick's scenario is common for people with growing families.

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Wealth Accumulation including Ethical, Sustainable and Governance Investing

Thao is in her late twenties and single. She recently bought an apartment but is renting, and has an interest in wealth accumulation with an ESG theme. Further, one of her friends was in an accident and did not have insurance in place.

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Insurance

Brydon is 37 years old and has been working in the mining industry and contributing to a default superannuation fund offered by his employer. His family circumstances have changed significantly since he started working, in that he has a partner and two children.

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Frequently asked questions

Yes, depending on your income level and government eligibility rules, you may be able to work part-time and still receive a pension. Our financial advisor for pensioners can help structure your income aligned with your lifestyle goals.

A strong financial plan is key. We offer financial advice for pensioners to help you manage withdrawals sustainably, structure your assets efficiently, and explore low-risk investment strategies to extend your pension income over time.

Yes, our pension financial advisor guides you through tax-free thresholds, offset strategies, and investment structuring to lower tax liabilities on pension withdrawals.

Our other services

Superannuation Investment and Portfolio Construction

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Superannuation and Wealth Accumulation

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Pension Financial Advisor

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Medical Financial Advisor

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