Comprehensive Retirement Assessment
This foundational service gives you a complete understanding of where you stand financially and what adjustments may be needed before or during retirement.
What's Included:
- Full review of superannuation balances and investment mix
- Income projection modeling across various retirement scenarios
- Gap analysis between your current trajectory and lifestyle goals
- Asset and liability assessment
- Centrelink eligibility preliminary review
- Written report with actionable recommendations
Typical engagement: 2-3 weeks
Pension Maximization Strategy
Navigating the complex interplay between superannuation, the age pension, and other income sources requires specialized knowledge. This service optimizes your entitlements while maintaining financial flexibility.
What's Included:
- Detailed Centrelink entitlement analysis and optimization
- Asset test and income test positioning strategies
- Superannuation drawdown planning to maximize age pension
- Deeming rate impact assessment
- Timing strategies for major financial decisions
- Annual update service to adjust for legislative changes
Typical engagement: 3-4 weeks
Estate & Legacy Planning
Protecting your wealth and ensuring it transfers according to your wishes requires careful structuring, particularly around superannuation death benefits and binding nominations.
What's Included:
- Estate planning review and coordination with your solicitor
- Superannuation death benefit optimization
- Binding death benefit nomination strategy
- Tax-effective wealth transfer structures
- Testamentary trust considerations
- Beneficiary protection planning
Typical engagement: 4-5 weeks
Income Stream Design
Creating sustainable, tax-efficient income throughout retirement means coordinating multiple sources and understanding sequencing risk.
What's Included:
- Multi-source income coordination (super, pension, investments)
- Account-based pension structure recommendations
- Withdrawal sequencing strategy to minimize tax
- Longevity risk mitigation through income layering
- Inflation protection planning
- Annual income projection and adjustment framework
Typical engagement: 2-3 weeks
Transition to Retirement Planning
For those still working but approaching retirement, transition strategies can help you reduce hours, boost super contributions, and maintain income simultaneously.
What's Included:
- Transition to Retirement (TTR) pension assessment
- Salary sacrifice and contribution optimization
- Work hour reduction planning with income maintenance
- Tax minimization during transition phase
- Bridge strategy to full retirement
- Preservation age and access planning
Typical engagement: 2 weeks
Aged Care Financial Planning
The financial decisions around aged care are among the most complex you'll face. Accommodation bonds, daily fees, means testing, and asset protection all require careful navigation.
What's Included:
- Aged care means testing optimization
- Refundable Accommodation Deposit (RAD) vs Daily Accommodation Payment (DAP) analysis
- Asset protection strategies while in care
- Family home exemption planning
- Centrelink supplement maximization
- Ongoing cost projection and funding strategy
Typical engagement: 3-4 weeks