Retirement Planning

We’ll ensure your retirement is comfortable and worry-free.

EVERYONE’S FINANCIAL PLAN IS DIFFERENT.

We believe hope is not a plan and leaves too much to chance. We believe the sooner you receive strategic retirement planning advice—a plan—the more likely you are to achieve what you have in mind for a secure financial future.  Whether you’ve had a long, storied career that is coming to an end or you’re starting to think about the final phase of your working life, it’s important to plan for retirement in order to live the lifestyle you want — and deserve. Compulsory superannuation payments alone aren't enough for most people to live a comfortable retirement lifestyle. Many of us require an extra savings boost, and the sooner we act, the more we'll have in the future.

The most common questions we receive from clients are:

1. When can we afford to retire?
2. How much money do we need to retire?
3. How long will it last?
4. Can we help our children and grandchildren?

We seek to address and answer these questions and concerns with well thought out and achievable strategic advice. The most common outcomes and comments from after our advice are

1. We now know our numbers
2. We have certainty over our retirement
3. We know what we can spend in retirement guilt free
4. WE SHOULD HAVE SEEN YOU 7 YEARS AGO!

What we achieve

• Receive a regular income in retirement by transforming your superannuation into an income stream. By continuing to invest your superannuation funds in retirement, you can make sure your money continues to work for you.
• Reduce your hours but maintain the same income without impacting your retirement plan. We’ll supplement your reduced hours through a tax-effective transition to retirement strategy.
• Boost your super without impacting your cash flow by implementing a tax-effective strategy, taking advantage of contributions to super and withdrawals from your pension.
• Save tax for your beneficiaries by reinvesting your super. Our strategies are designed so you won’t leave behind a tax burden for your family.
• Don’t be taxed any more than you need to by investing your available assets into your superannuation. You’ll be taxed at 15% instead of your usual income tax rate.

What we do

• Receive a regular income in retirement by transforming your superannuation into an income stream. By continuing to invest your superannuation funds in retirement, you can make sure your money continues to work for you.
• Reduce your hours but maintain the same income without impacting your retirement plan. We’ll supplement your reduced hours through a tax-effective transition to retirement strategy.
• Boost your super without impacting your cash flow by implementing a tax-effective strategy, taking advantage of contributions to super and withdrawals from your pension.
• Save tax for your beneficiaries by reinvesting your super. Our strategies are designed so you won’t leave behind a tax burden for your family.
• Don’t be taxed any more than you need to by investing your available assets into your superannuation. You’ll be taxed at 15% instead of your usual income tax rate.

"After not having to worry about my Superannuation for 25 years, I was faced with a change of roles and many changes within Superannuation, Justin was recommended to me by a business associate and I couldn't be happier. He took the time to understand my plans and goals, changes in my lifestyle and levels of risk. I can happily say that he has exceeded my expectations and the goals we originally set. Highly recommended."

— Jonathan H