Retire with clarity, not uncertainty.

There is no single amount that suits everyone. We start with your expected living costs, larger expenses, home and debts, super, savings, and any partner's circumstances. We then model different retirement dates and income options, allowing for inflation, investment risk, and possible Age Pension entitlements. This helps you see how long your money may last and what adjustments could help. Projections are estimates, not guarantees, and need regular review.

Retirement age depends on your savings, super, debts, lifestyle goals, partner's situation, and access rules. Most people benefit from modelling a few different dates so they can see the trade-offs before choosing one.

Preservation age is the age from which you may access your own super if you meet a condition of release, or start a transition to retirement income stream. It is 60 for anyone born on or after 1 July 1964. Age Pension age is currently 67, when you may qualify for government support subject to residence, income, and assets rules. If you retire before then, your super and other savings may need to cover the gap.

From age 60, you may be able to start a transition to retirement income stream while continuing to work. Before it enters retirement phase, annual payments are generally between 4% and 10% of the account balance for someone under 65, with the minimum adjusted when starting part-way through a year. It can help replace income when reducing your hours, but drawing super earlier can leave less for later. We can help you assess the effect on your savings, tax, insurance, and any government benefits.

Yes. The general transfer balance cap is $2.1 million for 2026-27. It limits transfers into retirement-phase income streams across your super funds. Your personal cap may be lower if you started a retirement-phase pension in an earlier year, so check your ATO record before transferring money. Amounts above your available cap can generally remain in an accumulation account, where earnings are taxed. Investment growth after a transfer does not itself use more of your cap. Transition to retirement income streams are treated differently until they enter retirement phase.

Possibly. You generally need to be at least 67 and meet Australian residence requirements, as well as the income and assets tests. Services Australia applies whichever test produces the lower payment, taking your partner's circumstances into account where relevant. Super is generally assessable once you reach Age Pension age, while your principal home is generally exempt from the assets test. Thresholds change regularly, so check current Services Australia figures. We can help estimate your eligibility as part of your retirement plan.

From age 60, payments from a taxed super fund are generally tax-free to you. Different rules can apply to untaxed benefits and some defined benefit pensions. Separately, eligible investment earnings supporting a retirement-phase pension can be exempt from tax within the fund, subject to pension requirements. Accumulation earnings and earnings supporting a transition to retirement income stream that has not entered retirement phase remain taxable. We review your fund and circumstances before recommending a withdrawal strategy.

The right mix depends on your regular spending, larger expenses, other assets, health, Age Pension position, and estate plans. An accumulation account holds super while you save; an account-based pension keeps your money invested while paying a regular income under pension rules. A lump sum gives you access to capital, but money withdrawn from super loses the fund's retirement-phase earnings exemption and may have different tax consequences outside super. Some people use a combination. We help you compare the options and decide when a pension may suit you.

Start with your super balance, contribution history, insurance within super, other savings, debts, and an estimate of the lifestyle costs you expect in retirement. Think about when you would like to reduce or stop work and any larger expenses ahead. An EEA Advisory adviser can then help you assess contribution options, retirement timing, possible Age Pension eligibility, and how to turn your super and savings into income. The plan should be reviewed as your circumstances and the rules change.