Helping everyday Australians enjoy their best possible retirement
Take control with affordable, expert guidance from our friendly advisers
No matter where you are in your retirement journey, we are here to guide and support you to make the right decisions at the right time.
We’ll help you understand your options to make the most of your retirement savings so you feel confident and in control.
Common topics we cover in our consultations:
- Maximising income – smart super strategies, understanding income streams, and ways to structure your savings to boost income.
- Understanding entitlements – how and when to apply for the Age Pension, opportunities to maximise your benefits, and reassurance you are receiving all your entitlements.
- Forecasting for your future and planning ahead – we provide an estimate of your super balance throughout retirement and show you safe spending levels to ensure your money lasts the distance.
See below for the type of consultations we offer and choose the one that’s best suited to your needs!
Choose the consultation that best suits your needs
Entitlements Consultation
Get smarter with your entitlements- Confirm how much you’re entitled to
- We’ll answer your Centrelink questions
- Understand Age Pension & Health Card
- Get guidance on the application process
- Learn key Centrelink rules and limits
- Phone call – up to 30 minutes
Retirement Health Check
Identify opportunities for a better retirement- Share your retirement wish list
- Understand your options
- Identify planning opportunities
- Discuss strategies to boost your super
- Learn ways to maximise your entitlements
- Find out if your savings are on track
- Video call – up to 45 minutes
Retirement Advice Consultation
Plan your retirement with expert guidance- Answer your retirement questions
- Forecast your super savings
- See how much you can safely spend
- Compare strategies and scenarios
- Maximise your Age Pension income
- Build a plan to make the most of your money
- Video call – up to 55 minutes
Not sure what you need? That’s okay, we’re still happy to help.
Book a FREE 10-minute phone conversation to determine what is best for your needs.
We know it can sometimes be confusing and difficult to know how to get started. We’re offering a limited opportunity to have a quick obligation free 10 minute call with one of our trusted Advisers.
Book now to better understand which consultation would be suited to you & how we can help. Simply select a date and time on the calendar that suits.
You’re not alone. Here are the most common retirement questions:
Do I have enough to retire comfortably?
Many retirees focus on reaching a ‘magic number’, but the real question isn’t just:
‘How much do I have?’—
It’s ‘How can I make it last?’
Super, Age Pension entitlements, and investment choices all play a role in sustaining income over time. Knowing how they can combine and which options to choose is critical.
What helps: A clear spending plan and a mix of income sources provide stability. Tools such as the Retirement Forecaster can help estimate how long your savings could last. More than just a superannuation calculator, your specific needs and situation, super strategies and Age Pension Entitlements are included to calculate what’s the best forward projection for your needs.
I’m about to retire, what should I do now?
Many people approach retirement with a sense of ‘I’ll figure it out later,’ only to realise key financial choices—including when to access superannuation, how to structure income, or whether they’re eligible for government support—are best made well before they stop working.
The triggers which often prompt someone to seek help is reaching age 60 when withdrawals from super become tax free, and reaching 67 when Age Pension entitlements become available.
What helps: Those who seek advice early tend to feel more confident about their retirement. Even if you’re retiring soon, or have already retired it’s never too late to get a plan in place. Avoiding this task usually just leads to unnecessary stress.
Should I turn my super into an income stream?
For most Australians, superannuation is the second biggest source of retirement income after the Age Pension. Making the right decisions about how to use it can have a big impact on your financial security.
One common approach is to move super from accumulation phase into an Account-Based Pension (ABP), providing a regular, tax-free income for those aged 60 or over. But super can also be used in other ways to improve financial security.
Some retirees we speak to are considering whether to use their super to pay down a mortgage – a decision that depends on factors like interest rates, cash flow needs, and eligibility for an Age Pension. Others focus on boosting super to create more retirement income, using strategies like:
- Bring-forward rules – allowing larger contributions in a single year
- Catch-up provisions – making use of unused concessional contributions
- Downsizer contributions – adding proceeds from selling a home
For couples, a younger spouse strategy can also provide big benefits. If one partner is under 67, shifting super balances between spouses can increase Age Pension entitlements while balancing retirement savings across both accounts.
What helps: Managing super in retirement is where smart strategy really helps. The Australian superannuation and Age Pension system provides great opportunities, but it’s complex. Even the smartest retirees realise they ‘don’t know what they don’t know’ – so checking in with a financial planner ensures you’re considering all the right factors before making a decision.
How can I maximise my Age Pension income?
Many retirees are surprised to learn they qualify for a part-Age Pension or the Commonwealth Seniors Health Card (CSHC), even if they don’t meet the full Age Pension threshold. These benefits can make a big difference in covering everyday costs.
What helps: Checking eligibility regularly—as circumstances change (like drawing down on super), pension entitlements can shift. An Entitlements Consultation can help you maximise your entitlements, ensuring you’re not leaving any benefits on the table.
How should I invest my super in retirement?
Many retirees think they need to switch to cash or term deposits for perceived security, but investing too cautiously can erode purchasing power over time. Given longer life expectancies, growth investments are often needed to keep up with rising costs.
What helps: Keeping the right balance. This means having enough accessible cash for peace of mind while letting the rest continue growing inside super. Financial advice helps you understand the rules and how to apply them to your situation, giving you comfort that your financial decisions are in line with your long-term goals.
Here’s what others, just like you, say about us
Megan answered my questions in a precise and easy to understand manner. She was very knowledgeable, and I found the portal screen easy to understand.
Nicole answered all of our questions to our satisfaction and provided additional insights regarding other options we had not considered, full marks.
Very friendly and answered all my questions plainly so I could understand and I will be able to come to my decision with all the knowledge.
Disclaimer: These are true and verified testimonials but for confidentiality purposes we are keeping them anonymous
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