Retirement planning & enjoying the fruits of your labour.

A successful retirement means different things to different people. But whether it's quality time with loved ones, seeing the world, volunteering or spending more time in the garden, one thing is for sure — no one wants to spend their golden years stressed by financial concerns.

Planning for your retirement sooner will provide you with more opportunities to reach your retirement goals.

The concept of retirement has changed dramatically in recent years. Only 20 years ago, it meant a few quiet years of rest after a hard life of work. But, with better health and life expectancy rates, retirement today could mean more time for sports and leisure, quality years with the family, travelling the world, moving to the beach, or doing something you've always wanted to.

A bit of careful planning can help to eliminate the worry of not having enough to live on. Wherever you are on your road to retirement, it's never too early to start planning. Even if you feel you’ve left things a little late, planning now can still make a real difference.

Financial Strategy for Retirement

We have helped hundreds of clients carefully consider their strategy for retirement

Making Notes

Superannuation

Most Australians will rely on their superannuation savings to fund their retirement.

We focus on two things — reviewing your super for max potential and finding any lost super you may have.

Notepad

Investing

Developing an investment plan is a vital step in pursuit of your retirement goals. With our help, you will learn how to build an investment portfolio that's right for you, which assets to invest in, and how to manage risk.

Business Meeting

Government Benefits

We'll guide you through the complex maze of pensions, allowance and benefits available from the Age Pension to Pension Concession Card and Seniors Health Card.

We explain how to qualify for entitlements and choosing social security friendly investments.

Coffee & Pen

Tax and Retirement Income Strategies

How to choose between retirement investment options and the tax and social security implications? We are able to assist in making the right decisions.

We can also help you to evaluate the different types of retirement income products available.

Among others some available strategies can include:

  • Transition to retirement pensions
  • Allocated pensions
  • Withdrawals & re-contributions
  • Child pensions
  • Spouse contributions
  • Spouse contribution splitting
  • Salary sacrifice
  • Anti-detriment benefits
Megaphone

Superannuation

By the time you retire, superannuation may be your second most valuable asset behind your home.

Superannuation can provide large tax benefits as opposed to other ways of investing. We focus on two things — reviewing your super for max potential and finding any lost super you may have.

In our experience, SMSFs are popular with Australian investors who are seeking:

Choice — to access a wide range of investment options.

Control — to pool family assets, make active decisions to grow wealth for retirement and build a strategy for their beneficiaries and their own later years.

Flexibility — to change investments and the structure of their super as needed, and to implement effective tax strategies.

Transparency — to have greater visibility over how their investments are tracking.

We are accredited to advise on SMSF's and can help you to weigh up the options when considering a SMSF and make the most of a fund already in place. We work alongside your accountant or fund administrator to help you understand the rules, avoid the pitfalls and utilise the potential for your fund.

John Stevens

Client's Story

John Stevens, retired chartered accountant

We first went to see a financial adviser ten years ago. I was 45 then and I guess it had started to dawn on me that we really needed to start thinking about getting our act together financially.

My parents were still alive then and, although they were getting by, they really didn't have enough to live comfortably or do the things they wanted to…

Learn more

Discover if self managed super is right for you.
Make a complimentary first appointment.