Pre-Retirees
If you are within 5 to 15 years of your intended retirement date, the decisions you make now will have a significant impact on the life you are able to lead in retirement. This is the window where the right strategies — around super contributions, tax structures, investment positioning, and estate planning — can make a genuine difference to your outcome.
We work with pre-retirees who want a clear picture of where they are heading, what their options are, and a structured plan to retire on their own terms.
What we typically help with:
- Retirement income projections — understanding what your current trajectory looks like and what is possible
- Maximising concessional and non-concessional super contributions before retirement
- Transition to Retirement Income Stream (TRIS) strategies
- Investment positioning as you move from accumulation to drawdown
- Minimising tax in the lead-up to retirement
- Reviewing and restructuring personal insurance as your needs change
- Estate planning — wills, binding death benefit nominations, and powers of attorney
Retirees
Retirement is not a finish line — it is a new phase that brings its own financial complexity. Managing drawdown, navigating Centrelink, keeping investments appropriately positioned, and making sure your estate is in order all require ongoing attention, even when you would rather be focused on other things.
We work with retirees who want the reassurance that their financial position is well-managed — and an adviser they can call when circumstances change, or decisions need to be made.
What we typically help with:
- Account-based pension and retirement income stream management
- Ongoing investment management and asset allocation in retirement
- Tax-effective drawdown strategies
- Reviewing insurance needs as they evolve in retirement
- Estate planning, succession, and inter-generational wealth transfer