Retire with clarity, not uncertainty.
Retirement changes the way your money needs to work. Instead of building wealth, you need reliable income that lasts. We help you create a plan that connects super, investments, income, tax, Centrelink, and estate considerations for the next 20 to 30 years.
- Authorised Representative, Count Financial (AFSL 227232)
- CA ANZ Chartered Accountants in the same office
- Statement of Advice provided
General information only: the information on this page is general in nature and does not constitute personal financial product advice. Before acting on any information, please consider your objectives, financial situation and needs, read our Financial Services Guide (FSG), and obtain personal advice tailored to your circumstances.
Advice on this page is provided by Benjamin Venter, Authorised Representative No. 338460of Count Financial Limited (AFSL 227232), listed on ASIC's Financial Advisers Register. Page last reviewed .
Having the savings is not the same as having a plan.
- You have built a reasonable balance, but you have no clear picture of how much income it can produce or how long it can last.
- You are unsure when to start a pension account, how much to draw, and where each dollar of income should come from.
- The risk profile that suited you at 45 may not suit you at 65, and nobody has reviewed it before drawdowns begin.
- Centrelink, tax, and estate rules feel complex, and small decisions now could shape your income for decades.
- We help you bring super, investments, drawdowns, tax, Centrelink, and estate planning into a single plan, ideally 5 to 10 years before you stop work, so the transition rests on something you understand and can adjust.
A clear plan for the next stage.
We help you bring every part of your retirement strategy together, not just super. Each piece is modelled against the lifestyle and income you actually want, so the plan reflects your circumstances rather than a generic rule of thumb.
Retirement income strategy
We model how much income you can sustainably draw, where it comes from, and how it should change over time, so you have clarity year by year.
Super pension setup
We help you decide when to start an account-based pension, how much to keep in accumulation, and how to set minimum drawdowns that work with your tax and cash flow.
Investment risk review
We review your investment mix, cash buffers, and growth allocation so the portfolio reflects retirement time frames rather than your working-life risk profile.
Sequencing risk management
We structure how and when you draw from different assets, because poor returns in the early years of retirement can do lasting damage if drawdowns are large.
Tax-aware drawdowns
We coordinate drawdowns from super, investments, and savings to manage tax across the household and across years, including any final years of paid work.
Centrelink coordination
We help you understand asset and income tests and deeming rules, and review your structure if you may be eligible for the Age Pension or Commonwealth Seniors Health Card.
Estate planning conversations
We work alongside your solicitor on beneficiary nominations, super death benefits, and structures, so your wishes are clear and your family is not left guessing.
Ongoing review rhythm
We set a review schedule so income, tax, and drawdowns keep pace with markets, rule changes, and how your life actually unfolds in retirement.
From first conversation to a retirement plan, you can live with.
- 01
Discovery meeting
A conversation about the lifestyle and income you want, where you are now, and the decisions ahead. No cost, no obligation.
- 02
Modelling and scope
We model a few different retirement dates and income scenarios so you can see the trade-offs, then agree the scope and our fees in writing.
- 03
Strategy and Statement of Advice
We present a written Statement of Advice covering pension setup, drawdowns, investment risk, tax, and Centrelink, with the reasoning explained.
- 04
Implementation and review
We help put the plan in place and review it on an agreed rhythm as your needs and the rules change through retirement.
Retirement advice that models the trade-offs, before you commit.
- Licensed personal advice
- Advice is provided as an Authorised Representative of Count Financial (AFSL 227232), with a written Statement of Advice for every recommendation.
- A decision you usually make once
- Retirement choices can be hard to undo. We model the options so you can see the trade-offs before committing, not after.
- Tax and Centrelink considered together
- With Chartered Accountants in the same office, pension tax rules, contribution caps, and Centrelink tests are weighed side by side.
- Brisbane based, reviewed over time
- We are local and available between meetings, reviewing drawdowns, risk, and entitlements as your needs change through retirement.
Questions 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?
There is no single number. The right amount depends on the lifestyle you want, your home and debt position, age, partner's situation, expected retirement length, Centrelink eligibility, and how returns play out. Personal modelling is the only reliable way to answer it.
When can I retire?
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.
Should I start a pension account?
An account-based pension can offer tax-effective income in retirement, but timing matters. The right answer depends on your age, super balance, work status, contribution plans, and household income strategy.
What is the difference between super and pension accounts?
An accumulation (super) account is where you build wealth before retirement. A pension account converts super into a regular income stream and has its own tax and drawdown rules. Many retirees use both at the same time.
How does Centrelink assess my assets in retirement?
Centrelink uses asset and income tests, with deeming rules for many financial assets. Your home, super, investments, savings, and partner's situation all influence what you may be eligible for under the Age Pension or Commonwealth Seniors Health Card.
Can I keep working in retirement?
Yes. Many people transition gradually, working part-time or consulting while drawing some retirement income. The interaction with super, tax, and Centrelink can be complex, so it is worth planning before reducing your hours.
More from the same team.
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Decide whether an SMSF still suits your goals in retirement, or whether to wind it back as your needs change.
ExploreTwo corporate entities, one office, clear regulation.
Download Financial Services Guide (PDF)EEA Advisory (Altias Brisbane Pty Ltd) ABN 77 646 161 417 is a registered tax agent 26081500 and a member of Chartered Accountants Australia and New Zealand (CA ANZ). Altias Brisbane Pty Ltd is not authorised to provide financial advice. For financial advice and related services, please speak to an authorised representative at EEA Advisory.
EEA Advisory (Altias Private Wealth Pty Ltd) ABN 91 649 047 585 is an authorised representative of Count Financial Limited ABN 19 001 974 625, holder of Australian Financial Services Licence No. 227232. Count Financial Limited is a subsidiary of Count Limited ABN 11 126 990 832, which is listed on the Australian Securities Exchange.
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Want a retirement plan you actually understand?
Book a consultation. We will model your income, super, investments, tax, and Centrelink position, and help you walk away with a plan you can adjust over time.