We have offices in Sydney, Melbourne, Perth, Brisbane, Adelaide, Canberra, Hobart and Newcastle

Retirement Planning

Retirement planning involves assessing your financial situation, setting retirement goals, estimating retirement expenses, determining sources of retirement income (such as pensions, savings, and Centrelink) and reviewing your insurance needs. Retirement planning is less about leaving work, and more about gaining financial independence so that you have the option to do what you want in life, when you want. We provide advice to help maximise your financial position in, and leading up to, retirement. These include strategies backed by financial projections on:

  • How much capital you need in retirement to fund your specific retirement income needs
  • If you can afford to retire at your desired retirement age
  • When you can afford to retire
  • Level of debt/liabilities you will have upon retirement
  • What retirement income you can expect
  • Longevity of your capital v life expectancy

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.

Maximising Retirement Income

Explore strategies to optimise your retirement income, including superannuation, investment returns, and potential government entitlements, ensuring a steady financial flow in your retirement years.


Longevity Planning

Plan for a long and fulfilling retirement with careful consideration of life expectancy, healthcare needs, and legacy aspirations, ensuring you and your loved ones are well-prepared for the future.

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 other services

Superannuation Investment and Portfolio Construction

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Superannuation and Wealth Accumulation

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Debt Management

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Pre-Retirement Planning

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