When you can retire
A realistic date based on your super, savings, spending, and how you want the next decade to look.
Our services
Retirement Planning
Know when you can stop working, and how to make your money last.
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Couple reviewing their retirement plan with an adviser
Retirement planning is the work of turning super, savings, and government benefits into a reliable income, with a date you can aim for. It is not a product sale. It is a written strategy for when you finish work, how much you can spend, and what happens if markets, health, or legislation change.
This service is for people within about ten years of leaving work, those already retired who want a clearer drawdown plan, and couples who need one picture of two super funds, two ages, and one household budget.
We start with your numbers, not a brochure. You will see modelled scenarios in plain English, the trade-offs in writing, and a fee agreed before any advice is prepared.
The work
What we help with
Super into income
Account-based pensions, transition to retirement, and the order to draw from super versus other savings.
Age Pension and other benefits
How the Age Pension, deeming, and means tests interact with your super so you are not leaving money on the table.
Tax in retirement
Contribution timing, tax-free super after 60, and how to keep more of what you have already saved.
Cover while you still work
Life, TPD, and income protection reviewed so you are not over-insured, under-insured, or paying for cover you no longer need.
Later-life decisions
Aged care funding, downsizing, and how your will and beneficiaries should change as you leave the workforce.
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Glen Waverley meeting room set for a retirement planning session
The process
How it works
01
Discover
A complimentary conversation about when you want to finish work, what retirement should feel like, and the numbers you already have.
02
Model
We test timing, contribution, and drawdown scenarios so you can see the effect of working one more year, or spending a little less.
03
Recommend
A written strategy with modelled outcomes, tax and pension implications, and fees agreed before work begins.
04
Review
We implement together, then revisit the plan as markets, laws, and your health or family circumstances change.
Fit
Who this suits
You are five to ten years from finishing work and want a date you can plan around.
You have already left work and are unsure how much is safe to spend each year.
You and your partner have different super balances, ages, or retirement dates.
You are considering a transition-to-retirement pension while still working.
A redundancy, inheritance, or home sale has changed the timing.
You want to know whether the Age Pension will be part of your income, or not.
Try the numbers
See when you could retire
Use the same savings picture we use in advice, then solve for the age when your target income is reached. It is a starting point, not a personal recommendation.
FAQ
Questions about this service
The most useful window is five to ten years before you want to finish work. That is enough time to change contributions, debt, and insurance. If you are closer than that, or already retired, we still start with the same process: your numbers, then a written plan.
Talk through your retirement options
45 minutes, no obligation. Bring a recent super statement if you have one. We will tell you honestly how we can help.