Retirement Planning Services
Each service is designed to address a specific aspect of your retirement strategy. Most clients begin with one area and expand as they discover how informed decision-making impacts their financial future.
Retirement Planning Consultation
Our comprehensive consultation provides a complete analysis of your retirement readiness and creates a strategic roadmap for the years ahead.
We examine your current superannuation balance, projected retirement income from all sources, tax implications of different withdrawal strategies, and age pension eligibility timelines. You'll receive detailed recommendations on contribution strategies, timing decisions, and structural changes that could improve your outcomes.
This service includes a written report documenting our findings and recommendations, along with implementation support to help you execute the agreed strategies.
Ideal for: Anyone within 10 years of retirement who wants a complete picture of their financial position and strategic options.
Request this serviceSuperannuation Review
A focused deep dive into your superannuation fund performance, fee structure, investment allocation, and growth potential before retirement.
We analyse whether your current fund is competitive, if your investment strategy matches your risk profile and timeline, and whether you're taking advantage of available contribution strategies. Many Australians discover they're paying excessive fees or holding inappropriate investment allocations for their stage of life.
You'll receive specific recommendations on fund selection, contribution optimisation, salary sacrifice opportunities, and investment rebalancing.
Ideal for: People still working who want to maximise their superannuation balance before transitioning to retirement.
Request this serviceAge Pension Assessment
Navigate the complexity of Centrelink's asset and income tests to understand your age pension entitlements and optimisation strategies.
We calculate your current and projected entitlements, identify strategies to maximise your pension without violating gifting rules, and help you understand how different asset structures affect your assessable position. The age pension rules are intricate—small changes in how you hold assets can significantly impact your entitlements.
This assessment includes projections showing how your entitlements change based on different scenarios, helping you make informed decisions about asset management and drawdown strategies.
Ideal for: Anyone approaching age pension age who wants to understand their entitlements and optimise their position legally and ethically.
Request this serviceEstate Planning Package
Ensure your superannuation and retirement assets transfer according to your wishes with tax-effective beneficiary strategies and proper documentation.
Superannuation doesn't automatically form part of your estate, which creates both opportunities and risks. We help you establish binding death benefit nominations, understand the tax implications for different beneficiaries, and structure your super to achieve your estate planning goals.
This package includes reviewing existing nominations, drafting new binding nominations where appropriate, analysing tax consequences for your intended beneficiaries, and coordinating with your broader estate plan.
Ideal for: Anyone with significant superannuation balances who wants to ensure their retirement savings transfer efficiently to chosen beneficiaries.
Request this serviceSelf-Managed Super Fund Setup
Complete establishment and structuring of a self-managed superannuation fund for those wanting direct control over their retirement investments.
SMSFs provide flexibility and control but come with significant responsibilities. We handle the complete setup process including trust deed preparation, fund registration with the ATO, establishing the fund structure, setting up bank accounts, and creating your investment strategy.
You'll receive comprehensive documentation, compliance guidance, and ongoing strategic advice to ensure your SMSF operates within regulatory requirements while achieving your investment objectives.
Ideal for: Individuals or couples with substantial super balances (typically $200,000+) who want direct control over investment decisions and are prepared for the administrative responsibilities.
Request this serviceTransition to Retirement Strategy
For those still working but eligible to access superannuation, we design strategies to reduce working hours, boost super contributions, or improve tax efficiency.
Transition to retirement (TTR) strategies allow you to access your super while continuing to work, creating opportunities to reduce tax, increase super contributions through salary sacrifice, or scale back work hours without proportional income reduction.
We analyse whether a TTR strategy makes sense for your situation, calculate the optimal contribution and drawdown amounts, and handle the implementation process with your super fund and employer.
Ideal for: Workers over preservation age who want to access super benefits while still employed, particularly those in high tax brackets or planning to reduce working hours.
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