Retirement Readiness Assessment
Know exactly where you stand before you make any major decisions.
What's Included:
- Complete superannuation account review and consolidation analysis
- Age pension eligibility assessment and projection
- 30-year cashflow modeling based on your lifestyle expectations
- Gap analysis identifying shortfalls or surplus
- Insurance adequacy review (life, TPD, income protection)
- Tax efficiency evaluation of current structure
- Written report with actionable recommendations
Best For:
People within 5-10 years of retirement who want clarity on whether they're on track.
Complete Transition Strategy
End-to-end planning from pre-retirement through your first years of retirement.
What's Included:
- Everything in Retirement Readiness Assessment, plus:
- Pre-retirement contribution maximization strategy
- Transition-to-retirement pension setup and management
- Account-based pension structuring for tax optimization
- Centrelink application assistance and optimization
- Withdrawal sequencing strategy across all income streams
- Spousal strategy coordination (if applicable)
- Annual review meetings for first 3 years post-retirement
Best For:
Anyone retiring within 3 years who wants comprehensive guidance through the entire transition.
Age Pension Maximization
Strategic positioning to maximize your government entitlements without sacrificing wealth.
What's Included:
- Asset and income test analysis under current rules
- Strategic gifting recommendations and timing
- Income stream restructuring for optimal testing outcomes
- Home equity release evaluation (if relevant)
- Funeral bond and exempt asset utilization
- Granny flat interest considerations
- Centrelink liaison and application support
Best For:
Retirees whose assets are close to age pension thresholds or who want to maximize combined retirement income.
Estate Planning Integration
Coordinate your retirement income strategy with your legacy goals.
What's Included:
- Binding death benefit nomination review and optimization
- Beneficiary tax impact analysis
- Testamentary trust recommendations for super proceeds
- Reversionary pension considerations
- Estate liquidity planning for tax obligations
- Referrals to estate planning solicitors (if needed)
- Integration with existing will and power of attorney
Best For:
Retirees with significant super balances, complex family situations, or specific legacy objectives.
Investment Portfolio Restructure
Shift from wealth accumulation to wealth preservation and income generation.
What's Included:
- Current portfolio risk assessment and stress testing
- Asset allocation redesign for retirement phase
- Income-focused investment selection
- Drawdown sustainability modeling
- Fund fee analysis and cost reduction opportunities
- Inflation protection strategies
- Implementation roadmap and ongoing monitoring recommendations
Best For:
New retirees whose portfolios are still positioned for growth rather than income and preservation.
Ongoing Advisory Retainer
Continuous expert support through every stage of your retirement.
What's Included:
- Quarterly portfolio reviews and rebalancing recommendations
- Annual comprehensive strategy refresh
- Legislative change updates and impact assessments
- Unlimited email and phone consultation
- Priority scheduling for urgent matters
- Proactive outreach when opportunities arise
- Coordination with accountants and solicitors as needed
Best For:
Retirees who want ongoing peace of mind and professional oversight of their retirement strategy.