Planning for retirement doesn't have to be overwhelming.
With over 30 years of experience guiding Queensland families through their retirement journey, we help you understand your options and create a clear path to the lifestyle you want – while making the most of your superannuation and age pension entitlements.
Whether you're wondering "When can I retire?" or "How do I make my money last?", we're here to walk through it with you, one step at a time.
How We Work Together
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Getting to Know You
Every good retirement plan starts with understanding what retirement means to you. We take time to listen to your goals, concerns, and questions. There's no rush – good planning takes thoughtful conversation.
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Understanding Your Options
Once we know where you want to go, we'll show you the different paths to get there. We explain everything in plain English and make sure you understand the pros and cons of each approach before making any decisions.
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Building Your Plan Together
Your retirement strategy should be as unique as you are. We work with you to create a plan that considers your superannuation, investments, Age Pension possibilities, and tax situation. Most importantly, it needs to make sense to you.
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Staying on Track
Life changes, markets move, and rules evolve. We regularly check in to make sure your plan is still working for you and adjust things as needed. Think of us as your ongoing retirement planning partners.
Making the Most of Your Superannuation & Age Pension
Your superannuation is likely your largest retirement asset, but many Australians aren't making the most of the opportunities available to them. Combined with potential Age Pension entitlements, there are often strategies that can significantly improve your retirement income:
- How to optimise your superannuation in the lead-up to retirement
- Transitioning your super to pension phase for maximum tax benefits
- Understanding how your super affects your Age Pension entitlements
- Making additional contributions while you still can
- Choosing the right pension products for your situation
- Structuring your assets to work together effectively
We help you understand how all these pieces fit together to create the best possible outcome for your retirement.
Areas We Can Help With
Retirement Planning
Creating a comprehensive strategy that brings together all aspects of your retirement, from timing to income streams, ensuring you have a clear path forward.
Pension Structuring
Optimising your Age Pension entitlements through careful asset structuring and understanding how different income sources work together.
Downsizing
Navigating the financial opportunities and considerations when moving to a smaller home, including accessing downsizer contributions and capital gains implications.
Superannuation Pensions
Setting up account-based pensions and other super income streams to provide reliable, tax-effective retirement income.
Reducing Your Taxable Income
Strategies to manage your taxable income in retirement whilst maintaining your lifestyle and maximising government benefits.
Estate Tax
Minimising tax implications for your beneficiaries and ensuring your retirement planning aligns with your estate planning goals.
Tax Planning
Making sure you're paying the right amount of tax in retirement, including accessing concessions and structuring your affairs efficiently.
Why People Choose to Work with Us
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Three Decades of Experience
We've been helping Queensland families with their retirement planning since 1981. We've guided clients through every market cycle and policy change, so we understand what works in different circumstances.
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Retirement Focus
Retirement planning isn't just part of what we do - it's our specialty. We understand the complexities of superannuation, Age Pension rules, and tax planning in retirement.
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Long-term Relationships
Many of our clients have been with us for years, even decades. We're not here for a quick transaction; we're here to guide you through your entire retirement journey.
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Clear Communication
We believe you should understand your retirement plan completely. We explain things in straightforward terms and make sure you're comfortable with every decision.
Ready to Start the Conversation?
If you're thinking about retirement and have questions about your options, we'd be happy to have a chat. Whether you're still years away from retiring or already retired and looking to optimise your situation, we're here to help.