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Retirement Financial Planner

Retirement is one of life’s biggest milestones, marking a chapter of financial freedom to enjoy life on your terms—especially with proper planning. Without a solid plan, you risk outliving your savings, struggling with healthcare costs, or sacrificing your desired lifestyle. At Setch, our financial planners for retirement keep you financially secure now and in the future, helping you turn your retirement goals into reality with a clear, practical strategy tailored to your needs.

Our financial advisors assess your current financial position, explore income sources like superannuation, investments, and pension entitlements, and develop a plan to strategically manage your retirement income. Whether you’re years away from retiring or already in retirement, our tailored approach ensures you make informed financial decisions that support the life you want.

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Life is a journey, it is unpredictable

How that journey unfolds for each person varies considerably. We use our experience to help you to make better financial decisions in unpredictable times and to ensure that changes in your circumstances, health crisis, divorce, inheritance, investments, are taken into consideration.
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Why You Need a Financial Advisor for Retirement

Longer Life Expectancy

Retirement can last 20 to 30 years or more, and without a structured plan, there’s a real risk of running out of savings too soon. A retirement financial advisor helps ensure your income stretches across your lifetime, factoring in withdrawals, investment growth, and potential unexpected costs so you can enjoy financial security for as long as you need.

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Rising Costs

The cost of living and inflation affect your purchasing power, while healthcare expenses tend to rise as you age. With expert financial advice for retirees, you can prepare for these rising costs with smart investment strategies and sustainable withdrawal plans.

Uncertain Social Security & Pensions

Relying solely on government benefits or pensions can be risky as they may not fully cover your retirement expenses. With our team of retirement financial planners, you can build a retirement income plan that balances superannuation, personal savings, and smart investments so you’re not left financially vulnerable.

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Personalised Advice

Sophisticated Investment Strategies

Cost-Effective Solutions

Comprehensive Financial Education

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Freedom & Flexibility

Don’t let financial worries limit your opportunities during your retirement years. From travelling and enjoying hobbies to well-earned family time, our financial advisor for retirement helps you create a flexible, well-structured plan to make the most of your retirement.

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Manage Income with a Retirement Financial Advisor

Smart planning and the right mix of income sources are key to a steady income in retirement. Our retirement financial planner helps you structure your finances so your money works for you by:

  • Reviewing your super fund and investment portfolio.
  • Planning tax-effective withdrawal strategies to extend your retirement savings.
  • Identifying pension and government benefit opportunities.
  • Planning for long-term financial security and unexpected costs.


With expert financial advice for retirees and the right plan in place, you can focus on enjoying retirement without worrying about financial shortfalls.

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Financial Planners for Retirement with Tailored Solutions

Our retirement financial advisors set you up for financial freedom with:

Aged Care & Future Planning: Our aged care financial advisers guide you through financial decisions, helping you or your loved ones transition into aged care with financial confidence.

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Get Expert Financial Advice for Retirees

Retirement should be a time of freedom and enjoyment, not financial stress. Whether you’re looking to strengthen your super and pay off debts before retirement or need industry-specific guidance from our financial advisors for medical professionals, our financial planners for retirement can assist at every stage of life.

Book a free consultation today to start planning for a comfortable and rewarding 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

You can access your super when you have retired and reached your preservation age, which is anywhere between the age of 58 and 60, depending on your date of birth. Once you reach the age of 65 you receive unrestricted access to your super. In certain circumstances you can access your super benefits earlier than your preservation age, such as in cases of severe financial hardship or permanent disability.

It is never too early to start retirement planning. Ideally, our clients should begin planning for retirement as soon as they start working or earning income. The earlier you start, the more time you have to make investment decisions, contribute to your superannuation (to optimise tax benefits associated with superannuation/retirement savings), and structure your assets and liabilities.

Estimating retirement expenses involves considering factors such as housing costs, healthcare expenses, transportation, food, utilities, entertainment, travel, and any other discretionary spending. It is essential to account for inflation and potential healthcare costs in retirement. We undertake projections to help you understand your required retirement expenses, including eliminating outstanding debts.

In an Accumulation and Transition to Retirement (TTR) Account, investment earnings and capital gains are taxed at a maximum rate of 15%. Some capital gains may be taxed at the concessional rate of 10%. In a Retirement Account, investment earnings are tax-free.

Your superannuation does not automatically convert to a pension when you reach retirement age. You generally need to instruct us on what you would like to happen, and you have a range of options for this. Some Australians may choose to take their superannuation savings as a lump cash sum for their bank account, while others transfer their money to retirement products like an account-based pension (also known as an allocated pension) to provide a regular income stream and to continue to be invested in the financial markets.

Our retirement financial advisor helps you assess your income, expenses, and lifestyle goals to determine if your savings will last. We run projections to ensure your financial plan aligns with your desired standard of living.

Retirement timing affects your superannuation, pension eligibility, and overall financial stability. A financial advisor for retirement helps you adjust your plan based on your timeline, ensuring you have the necessary funds regardless of when you decide to retire.

In short, yes, but your investment strategy may need to change. Our financial planners for retirement can help you balance risk and security, ensuring your investments provide long-term income without unnecessary exposure to market volatility.

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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