Brisbane, Sunshine Coast & Moreton Bay Retirement planners.
We've worked with Queensland families, couples, and singles for over 30 years. We'll help you make the most of your super and plan for retirement by showing you the options available, and how the age pension fits into your retirement plan.
We’ll provide advice on timing your retirement to achieve your retirement goals, how make your savings sustain your lifestyle, whether a self-manager super fund (SMSF) is for you, and help you choose the next steps as you get closer to retiring.
Book a 30-minute call where we’ll ask about your goals and help you start planning the retirement you want.
How We Work With You
-
Getting to Know You
A great retirement plan starts with knowing what retirement means to you, so it’s important to get to know your goals, concerns, and questions. A thoughtful conversation is the beginning of a thorough plan, so taking the time to get it right is important.
-
Understanding Your Options
Once we know where you want to be, we'll show you how to get you there. We'll explain it all step-by-step so you'll understand the pros and cons of each approach before you make a decision.
-
Building Your Retirement Plan
A retirement strategy is as unique as your individual circumstances, so we work closely with you to create a plan that combines your super, investments, tax situation, and Age Pension. To work best, your retirement plan has to make sense to you.
-
Staying By Your Side
Your retirement continues through unexpected events, moving markets, and changing rules. We’ll check in with you regularly to make sure your plan is still on track, and adjust strategies if needed. Think of us as your ongoing retirement planning partners.
Making the Most of Your Superannuation & Age Pension
Along with property and investments, your superannuation is likely to be your largest retirement asset, but a lot of Australians aren't making the most of the financial opportunities available to them. When combined with potential Age Pension entitlements, getting your super strategy right can provide a nice boost to your retirement income:
What To Consider
- Optimising your superannuation as retirement approaches
- Transitioning your super to pension phase for improved tax benefits
- Understanding how super affects the Age Pension
- Making additional contributions while you’re still earning
- Choosing the best pension products for your situation
- Structuring assets to work together more effectively
We’ll help you understand how these pieces fit together to create the best outcome for your unique situation.
What We'll Help You With
Retirement Planning
Building a solid strategy combining every aspect of your retirement, from timing to income streams and expenditure, so you’ll always know the way forward.
Pension Structuring
Getting the most from your Age Pension entitlements through asset structuring and showing you how your income sources combine most effectively.
Downsizing
Navigating financial opportunities and considerations if you move from your family home, including how you can access downsizer contributions, and helping you understand changing CGT laws.
Superannuation Pensions
Setting up account-based pensions and other super income streams to generate relaible, tax-effective regular income even after you've finished working.
Reducing Taxable Income
Strategies and practical ways to realise your retirement lifestyle including managing taxable income and accessing government benefits if you’re eligible.
Minimising Estate Tax
How to minimise the tax payable by your beneficiaries and ensure your retirement planning ties in seamlessly with your estate planning.
Effective Tax Planning
Making sure you aren’t over-paying tax in retirement, including helping with access to concessions and structuring your finances efficiently.
Why Our Clients Choose To Work With Us
-
A Wealth Of Experience
We've been dedicated to helping Queenslanders plan for retirement for decades, and have proven our credentials. We know what works in different circumstances, and passing on this knowledge to our clients is part of our service.
-
Retirement Focus
Retirement planning isn't just part of what we do, it's our specialty, and we know how complex superannuation, Age Pension rules, and tax planning for retirement is.
-
Long-term Relationships
We’ve been advising many of our clients for years, and even decades. We're not here for a quick consultation. we're here to guide you throughout your entire retirement.
-
Clear Communication
We’re here to explain your options down to the smallest detail so you'll be comfortable with each decision you make.
Ready For a Conversation?
If you're nearing retirement and have some questions, we'd love to chat. If you're still years away from retiring, it’s never too early to start planning, or if you’ve already retired and just want to know if you’re on the right track, we're here to help.