Retirement Planning
Transition planning, income strategies, aged care preparation. Know your options before you need them.
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Community-Minded Since 2000
When retirement planning makes sense
Retirement planning isn’t just for people who are about to retire tomorrow. The earlier you start thinking about it, the more options you have.
You might need retirement planning if you’re in one of these situations:
- You’re 10–15 years from retirement and want to know if you’re on track, or if you need to make changes now while there’s still time
- You’ve been offered a redundancy package or early retirement and need to know if you can actually afford to stop working
- You’re already retired but not confident your money will last, or you’re worried about running out before you’re 90
- You’re trying to figure out when you can access your super, what Centrelink you might be entitled to, and how to structure your retirement income tax-effectively
- You need to plan for aged care – either for yourself down the track, or for elderly parents right now – and understand what it will cost and how to pay for it.
Retirement planning is about understanding what your retirement will actually look like financially, what levers you can pull to improve it, and making sure you don’t run out of money before you run out of life. The earlier we start planning, the better your retirement will be.
What’s included in retirement planning
When we create a retirement plan for you, here’s what we’ll cover:
How retirement planning works
Understand where you are now
We’ll review your current super balance, other investments, assets, debts, and expected expenses in retirement. This gives us the baseline to work from – where you are today and what you’ll have to work with.
Model your retirement scenarios
We’ll run projections to show you what retirement looks like at different ages – 60, 65, 67 – and with different income levels. You’ll see how long your money will last, what Centrelink you might qualify for, and whether you need to make adjustments.
Create your income strategy
We’ll design a retirement income plan that balances tax effectiveness, Centrelink entitlements, and your lifestyle needs. You’ll know exactly where your income will come from, how much you can spend, and how to structure it for maximum benefit.
Implement and adjust over time
We’ll help you set up account-based pensions, apply for Centrelink, transition your super, and implement the plan. Then we’ll review regularly – retirement lasts 20–30 years, so your plan needs to adapt as markets change, rules change, and your life changes.
Case study
A client was made redundant and offered a payout package at age 58. He wanted to retire but wasn’t sure if he could afford it.
We modelled his super, projected his expenses, factored in the Age Pension at 67, and showed him exactly what early retirement would look like. Turned out he could retire at 60 if he was willing to live more modestly for a few years until the Age Pension kicked in.
He retired two years later with a clear plan and complete confidence in the numbers.
Ready to plan your retirement?
Book a free first meeting to talk through your retirement goals and find out if you’re on track to retire when you want to.