The decisions you make now will define the next chapter.
The years before retirement are the most financially consequential. Get them right and retirement starts on solid ground.
The challenge we solve
Pre-retirement is when mistakes are most expensive. Super contributions, transition-to-retirement strategies, Centrelink timing, investment de-risking, insurance review, estate planning are all critical at this stage, each of these areas has significant financial implications, and they all interact. Getting the right advice at this stage is critical.
What we work on
Building Your Financial Foundation
Retirement income modelling
— understanding what you'll have, what you'll need, and how long it will last
Superannuation strategy
— contributions, transition to retirement, catch-up contributions, downsizer contributions
Centrelink Age Pension
— when to apply, how to maximise entitlements, and how assets affect eligibility
Tax-effective income
— structuring for the transition period and beyond
Investment strategy
— de-risking appropriately without sacrificing your long term goals
Insurance review
— what to maintain, what to wind back, and when
Estate planning coordination
— wills, enduring powers of attorney, beneficiary nominations
Timing decisions
— when to retire, whether part-time work changes the picture, and how to make the numbers work
