Retirement Planning

Comprehensive Retirement Planning: Your Key Questions Answered

Planning for retirement can feel overwhelming, especially when you consider that many Australians will spend more years retired than working. The good news is, with the right strategies, you can build a retirement plan that helps your money last, grow when possible, and supports your lifestyle for decades to come.

Whether you’re still working, transitioning into retirement, or already retired, we help you navigate the complex decisions ahead with clear, personalised advice.

When Can I Realistically Afford to Retire - And How Much Can I Safely Spend?

Determining your ideal retirement age depends on your unique financial situation, goals, and resources. Retirement isn’t tied to government rules or superannuation access alone. If your finances allow, you could retire early by using a combination of superannuation, business proceeds, investment income, or rental property earnings.

We help you calculate a realistic retirement date based on your assets and lifestyle needs, and develop a sustainable spending strategy to ensure your income lasts - even if you live into your 90s or require aged care.

How Do I Turn My Super and Investments Into a Reliable Income Stream?

Creating steady income from your superannuation and investments is crucial. Options include account-based pensions, annuities, or income streams that suit your risk tolerance and retirement goals.

We design tailored strategies that balance growth and income, helping you draw from your savings tax-efficiently while protecting your capital over time.

How Do I Structure My Retirement Income to Be Tax-Efficient?

Tax rules around super and retirement income vary based on your age, how funds were contributed, and how you withdraw money. Our experts identify opportunities to minimise tax, so you keep more of your money while staying compliant with current laws.

Will I Run Out of Money If Markets Fall or Plans Change?

Market volatility and life changes can impact your retirement income. We build resilient plans that account for market fluctuations, changing expenses, and unexpected events - so you have peace of mind regardless of what happens.

What Are My Options for Transitioning Into Retirement?

You don’t have to stop work abruptly at 65 or any set age. Transition to Retirement (TTR) strategies let you reduce hours, boost super contributions, or begin drawing income without fully retiring.

We guide you through options to make retirement flexible and tailored to your needs - whether that means early retirement, phased retirement, or using redundancy as an opportunity.

Where Should I Invest My Money Now?

Choosing where to invest depends on your retirement timeline and risk profile. We review whether to keep money in super, start an income stream, or use other vehicles like annuities and investment properties, ensuring your portfolio aligns with your goals.

How Do I Make My Money Last?

We assess your asset allocation and spending habits, helping you structure finances to maximise government entitlements and maintain financial security throughout retirement.

How Much Can I Withdraw From My Super?

We explain the rules around minimum and maximum super withdrawals based on your age and pension status, so you avoid penalties and safeguard your long-term income.

How Do I Prepare for Aged Care?

Planning ahead for potential aged care needs is essential. We help you understand the costs, government support, and options available - and connect you with specialists to ensure you’re prepared.

What Happens to My Money When I’m Gone?

Estate planning goes beyond making a will. It ensures your wealth is distributed according to your wishes, minimises tax burdens for heirs, and can empower you to make gifts or financial decisions during your lifetime.

Why Choose Us for Your Retirement Planning?

Retirement planning is deeply personal and complex. We tailor every recommendation to your values, goals, and financial realities - whether retirement is years away or just around the corner.

From superannuation structuring and income strategies to tax minimisation, aged care preparation, and estate planning, we provide comprehensive support so you can retire with confidence and peace of mind.

Ready to take control of your retirement journey?

Our friendly team are here to help!