Retirement Planning

We review your superannuation funds and implement strategies to grow your balance, reduce fees and tax, and ensure your super is working hard in preparation for retirement. This includes reviewing your fund choice, insurance, investment options and contribution strategies.

A Transition to Retirement strategy allows you to access your super while still working, potentially reducing your tax and boosting your super balance simultaneously. We assess whether a TTR strategy is right for your situation and help implement it effectively.

We help you structure the right mix of account-based pensions, annuities and other income streams to provide sustainable, tax-effective income throughout your retirement. We also help you understand how these interact with the Age Pension.

We help you understand the Age Pension assets and income tests, optimise your eligibility, and ensure you're not leaving any entitlements on the table. We also assist with DVA service pension and other Centrelink benefits.

For those who want greater control over their retirement savings, we help you understand whether a Self-Managed Super Fund suits your circumstances — weighing the control and flexibility against the responsibilities, costs and time involved. We work alongside your accountant on contribution and investment strategies within the fund, so it stays on track and compliant.

We help you build an investment portfolio aligned with your risk profile, time horizon and retirement goals. Whether it's direct shares, managed funds, ETFs or property, we provide tailored advice to help your money work harder.

We work alongside your legal advisers to help ensure your estate plan complements your financial arrangements, including superannuation beneficiary nominations, Powers of Attorney, and structuring assets to minimise tax for your beneficiaries.