Retirement planning
Retirement planning
Know when you can stop working, and how to make your savings last.
Know when you can stop working, and how to make your savings last.
Retirement is one of the biggest transitions you will make. We help you work out when you can afford to stop, how to turn your savings into a reliable income, and how to plan for the years after work, not just the day you finish.
Retirement is one of the biggest transitions you will make. We help you work out when you can afford to stop, how to turn your savings into a reliable income, and how to plan for the years after work, not just the day you finish.
Who it’s for
Who it’s for
You are within 10 to 15 years of retiring
You want to retire earlier, or work less
You are unsure if you have saved enough
You have recently retired and want a plan
You are within 10 to 15 years of retiring
You want to retire earlier, or work less
You are unsure if you have saved enough
You have recently retired and want a plan
How we help
How we help
A clear retirement date and income target
Investment and savings strategies leading up to retirement
Age Pension eligibility and how it fits your plan
A drawdown plan so your income lasts
Regular reviews as markets and rules change
A clear retirement date and income target
Investment and savings strategies leading up to retirement
Age Pension eligibility and how it fits your plan
A drawdown plan so your income lasts
Regular reviews as markets and rules change
Good to know
Good to know
Most people need a mix of income sources in retirement, such as investments, savings and possibly the Age Pension.
The Age Pension is means-tested, so the way you hold your assets can affect what you receive.
Planning five or more years ahead usually gives you more options than planning in the final year.
Most people need a mix of income sources in retirement, such as investments, savings and possibly the Age Pension.
The Age Pension is means-tested, so the way you hold your assets can affect what you receive.
Planning five or more years ahead usually gives you more options than planning in the final year.
Common questions
Common questions
When should I start planning for retirement?
The earlier the better, but many people start seriously in the 10 years before they plan to stop working. That leaves time to adjust savings, debt and investments.
Can you tell me if I qualify for the Age Pension?
We can look at your circumstances and explain how the income and assets tests may apply to you, and how different choices could affect your entitlement.
What if I want to keep working part-time?
That is common. We can build a plan that combines part-time income with drawing on your savings, so you can ease into retirement.
When should I start planning for retirement?
The earlier the better, but many people start seriously in the 10 years before they plan to stop working. That leaves time to adjust savings, debt and investments.
Can you tell me if I qualify for the Age Pension?
We can look at your circumstances and explain how the income and assets tests may apply to you, and how different choices could affect your entitlement.
What if I want to keep working part-time?
That is common. We can build a plan that combines part-time income with drawing on your savings, so you can ease into retirement.
This page is general information only and does not take into account your objectives, financial situation or needs. Consider the relevant Product Disclosure Statement and Target Market Determination, and seek personal advice before making a decision.
This page is general information only and does not take into account your objectives, financial situation or needs. Consider the relevant Product Disclosure Statement and Target Market Determination, and seek personal advice before making a decision.
Talk it through
Talk it through
A free, no-pressure 20-minute call to see if this advice is right for you.
A free, no-pressure 20-minute call to see if this advice is right for you.
Related reading
Related reading
Thinking about retiring in the next five years? Start here
Your 2026–27 end of financial year checklist
Ready for a plan you can grow into?
Book a free, no-obligation 20-minute call. We’ll listen, answer your questions and be upfront about whether we can help.
Book your free call
No obligation. General information only until we provide personal advice.
Ready for a plan you can grow into?
Book a free, no-obligation 20-minute call. We’ll listen, answer your questions and be upfront about whether we can help.
Book your free call
No obligation. General information only until we provide personal advice.
Ready for a plan you can grow into?
Book a free, no-obligation 20-minute call. We’ll listen, answer your questions and be upfront about whether we can help.
Book your free call
No obligation. General information only until we provide personal advice.