Retire without outliving your money.
Pension setup, drawdown strategy, Age Pension eligibility, healthcare costs, downsizer contributions and a plan that lasts as long as you do. We help Australians starting retirement turn decades of saving into an income stream they can actually rely on.
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What's happening
- You are at or near retirement and need to turn super and other assets into a reliable income.
- You want to know how much you can genuinely spend without running out.
- Age Pension eligibility, the asset and income tests and deeming rules are unclear.
- You are weighing up downsizing, an investment property, and how to draw down across structures.
- You want a plan that flexes as markets, health and family circumstances change.
What to think about as retirement begins.
- 01
Sequence-of-returns risk early on
A market drop in year one of retirement is far worse than the same drop in year fifteen. Most retirees are not structured to survive a poor sequence at the start, so a defensive buffer matters.
- 02
Plan for a long life
Australians retiring today are likely to live well into their eighties and beyond. Plans built for about twenty years often run out before the second partner does.
- 03
Do not overlook the Age Pension
Most retirees qualify for at least a part Age Pension at some point. The asset and income tests, deeming rates and how assets are structured all change eligibility.
- 04
Use the pension phase well
Once super is in pension phase, earnings are largely tax-free up to the transfer balance cap. The order you withdraw across pension, accumulation and personal investments matters more than people realise.
- 05
Think ahead to aged care
Aged care entry can cost a large refundable deposit plus ongoing means-tested fees. Decisions about the family home, super and assets made years out shape what is affordable when the time comes.
- 06
Update the estate plan
Wills, binding nominations, ownership structures and powers of attorney are often left as they were in working life. The retirement-stage estate plan is usually materially different.
How we help
Retirement planning
We model your real sustainable income, stress-test it against downturns and longevity, and design the income engine you will actually live from.
ExploreSuperannuation advice
We set up account-based pensions, manage drawdown order and contribution caps, and keep your super working tax-effectively in retirement.
ExploreWealth management
We bring super, investments, the Age Pension and your wider assets into one plan, and review it every year as life changes.
ExploreQuestions we hear most often.
Have a question that is not here? Call 07 3399 2300 or book a consultation and we will answer it directly.
How much do I need to retire in Australia?
It depends on your lifestyle, home ownership, your partner's situation and your appetite for Age Pension supplementation. We do not believe in a single magic number. We model your actual lifestyle against your actual assets and tell you the truth.
How does the Age Pension work?
The Age Pension is means-tested through both an asset and an income test, with the lower of the two setting your payment. Most Australians qualify for at least a part pension at some point, and the right asset structure can make a measurable difference to long-term entitlement.
What if markets crash early in my retirement?
This is sequence-of-returns risk, and it is the single biggest threat to early retirement. We structure your plan with a defensive bucket of cash and conservative assets to draw from during downturns, so growth assets are not sold at the bottom.
How often should we review the retirement plan?
At least annually. Some years need more, after a major market move, a significant change in spending, illness, a family change or a rule change. Each review takes about an hour and recalibrates the next twelve months.
Make your savings last a lifetime.
Get a written retirement plan covering income strategy, the Age Pension, tax, longevity, healthcare and the next thirty years.