If you are feeling weighed down by credit cards, personal loans, or even your mortgage, you are not alone. Many Australians are carrying debt well into their 70s, making it harder to enjoy life now or retire comfortably later. At Setch Group, we help our clients make a plan, not just payments. Our expert financial advisors work with you to reduce financial stress, take control of debt, and build toward the life you actually want.
Too often, people rely on their super to clear their debt at retirement, leaving nothing left for their retirement. Without a clear plan, debt can slowly erode your financial future. High-interest car loans, personal debt, or “interest-free” loans that suddenly become expensive, all adds up in the long run. It is never too late to take action, and this is where Setch Group can help you manage your debt with personalised strategies. We do not advise or compare debt products, but we can help with the strategy.
A Colonial First State report (20 March 2025) reveals that 28% of Australians aged 50–64 still have a mortgage, and 14% continue to carry mortgage debt into retirement.
According to the report, confidence in retiring debt-free is far from guaranteed, as only 45% of homeowners with a mortgage feel certain they will reach that goal. However, when clients get professional financial advice, the outlook changes dramatically. Confidence levels rise to 63%, showing a significant 18% improvement.
We do not sell debt products. We give honest, expert advice. Our job is to guide you through the debt maze with a tailored strategy that fits your life. We do not advise or compare debt products but we can help with the strategy. Here is how Setch Group can help you:
We’re proud to have helped so many clients take control of their finances and plan for the future with confidence.
At Setch Group, we know dealing with debt can feel overwhelming, which is why our advice is designed to be practical, personal, and pressure-free. Everyone’s situation is different, so we don’t take a one-size-fits-all approach. Instead, we work with you to create a strategy... read more
At Setch Group, we know dealing with debt can feel overwhelming, which is why our advice is designed to be practical, personal, and pressure-free. Everyone’s situation is different, so we don’t take a one-size-fits-all approach. Instead, we work with you to create a strategy that suits your goals and circumstances.
Life doesn’t stand still, and neither should your financial plan. That’s why we offer ongoing support, helping you adjust as things change—whether it’s a new job, a family milestone, or something unexpected.
Our role is to give you clarity, so you know exactly where you stand and what steps to take next. That might mean paying down debt faster, growing your super, or a mix of both. We’ll also help you understand the real cost of debt, including the difference between tax-deductible and non-deductible loans, and highlight traps like “interest-free” offers that often come with hidden costs.
Importantly, we don’t look at debt in isolation. Your debt strategy is always integrated into your bigger financial picture, so it works alongside your long-term goals. The outcome? Less stress, smarter decisions, and more confidence in your future.
It doesn’t matter if you’re just getting started or already established—it’s never too early or too late to take control of your debt. With the right guidance, you’ll be better prepared, more informed, and in a stronger position to move forward. read less
Whether you are planning for retirement, trying to get ahead with your super, or just want to feel more in control, you are in the right place.
Our team is here to guide you, every step of the way, with advice that fits your life and your goals.
At Setch Group, we provide everyday Australians with tailored support to navigate life’s financial ups and downs. Whether you are planning for retirement, managing debt, or simply looking to get your finances in order, we are here to guide you with straight-talking advice and practical solutions.
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At Setch Group, we help you make the most of your super with tailored investment strategies that align with your goals and risk profile. Our superannuation and insurance advice also covers key protections like life insurance through superannuation and income protection insurance super, helping you build long-term wealth while safeguarding your financial future. Whether you are just starting to grow your super or fine-tuning your portfolio closer to retirement, we will guide you every step of the way with expert support in superannuation and insurance planning.
At Setch Group, we help you grow your super with a smart, long-term strategy that aligns with your goals. Our focus is not just on boosting your retirement savings, but also on protecting your future along the way. That is why we review your superannuation and insurance to make sure you have the right cover in place, including superannuation income protection and super income protection options that can safeguard your earnings if life takes an unexpected turn. With expert guidance and ongoing support, we help you build lasting wealth while keeping your financial security front and centre.
At Setch Group, we help everyday Australians take control of their finances with a personalised debt management program. Whether you are juggling credit cards, personal loans, or other financial commitments, our experienced debt advisors work with you to create a realistic plan to reduce what you owe and regain peace of mind. Through structured debt management strategies, we help you organise repayments, avoid unnecessary interest, and work towards long-term financial stability, so you can focus on building a better financial future.
At Setch Group, our pre-retirement planning service is all about helping you make the most of the years leading up to retirement. We work with you to build a personalised retirement plan that balances your lifestyle goals with smart financial decisions. This includes tailored investment advice and a strategic retirement investment plan designed to grow your wealth, reduce tax, and position you for a smooth transition into retirement. Whether you are 5 or 10 years out, we will help you take the right steps now to feel confident about the future.
At Setch Group, we make retirement planning simple and personal. Whether you are approaching retirement or already there, we help you build a clear, realistic retirement plan that aligns with your lifestyle and long-term goals. From managing your super and investments to understanding your income options, we guide you every step of the way. We also provide tailored insurance advice for retirees, ensuring you have the right cover in place to protect your finances and give you peace of mind throughout retirement.
At Setch Group, we help you protect what matters most with tailored insurance and risk cover solutions. Whether you are planning for the unexpected or safeguarding your family’s future, we provide guidance on the right level of cover to suit your life stage. Our advice includes income protection insurance to help replace your income if you are unable to work temporarily, disability insurance for long-term security, and total and permanent disability insurance (TPD) to provide financial support in the event of a serious illness or injury. We make sure you are covered, without overpaying for insurance you do not need.
At Setch Group, we help you take control of your legacy with thoughtful and personalised estate planning. Whether you are looking to protect your assets, provide for loved ones, or ensure your wishes are carried out, we will work with you to create a comprehensive estate plan that reflects your values and goals. From wills and powers of attorney to superannuation nominations and asset distribution, our advisors guide you through the process with care, clarity, and practical advice, so you can plan with confidence and leave nothing to chance.
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