A clear plan for the income, lifestyle, and peace of mind you want in retirement — built around your numbers, not a rule of thumb.
Retirement planning isn't a single decision — it's a series of them, made well before and well after the day you stop working. We help you work out how much is actually enough, when you can afford to retire, and how to structure your super and investments so the income keeps coming once the pay cheque stops.
A transition-to-retirement (TTR) strategy can let you reduce your working hours or boost your super without taking a pay cut you can't afford, by drawing a portion of your super as income while you're still working. We help you work out whether a TTR strategy actually suits your situation, and structure it so the tax and cash flow numbers stack up.
For many retirees, part or all of an Age Pension is part of the plan — but eligibility depends on assets and income tests that interact with your super, investments, and even your home. We help you understand where you sit against these tests now, and how decisions you make before retiring can protect your entitlement later.
Multiple super accounts usually mean multiple sets of fees, and sometimes duplicate insurance you're paying for twice over. In the years before retirement, we help you consolidate what's scattered and make the most of your remaining contribution opportunities while you still have income to contribute from.
Once you stop working, your super needs to convert into an income you can actually live on. We help you structure an account-based pension — or a mix of income sources — that balances the income you need now against making your balance last as long as you do.
A market fall in the years just before or after you retire can do outsized damage to a retirement plan, with little time to recover before you start drawing down. We build sequencing risk into the plan from the start, so a bad year in the market doesn't have to mean a bad decade in retirement.
The best time to start this conversation is well before you plan to retire, while there's still time for the decisions to matter.
Talk to Our TeamBook a free initial consultation — no obligation, just an honest conversation about where you're at and where you'd like to be.