Retirement planning
From day one, we set up your retirement with solid foundations.
Decisions we help you make
- When you can ease back or stop full time work.
- How much you can spend each year and still be okay.
- How to turn savings into reliable income.
- How to plan for the bigger retirement ‘bucket list’ items, such as your dream holiday or major purchase.
- How superannuation, pensions, property, and other assets fit together for you in retirement.
- How to avoid missing out on Centrelink entitlements you could benefit from.
What we do for you
Investment management
We build and maintain an investment approach that fits how you want to live from day one.
Decisions we help you make
- The target investment mix that matches your goals and comfort level.
- Which accounts to hold what in, so investment returns and tax outcomes work together.
- How much to keep in cash for near-term spending and how to top it up.
- When and how to rebalance in response to conditions while keeping the long term in view.
What we do for you
Structural planning
We align ownership, structures, and timing for the big financial moves. From day one, we coordinate with your accountant and other professional advisers so major decisions are tax effective, cost sensible, and consistent with your intentions.
Decisions we help you make
- Whether to keep, sell, or downsize property, and how to make the most of the proceeds.
- How to minimise capital gains tax when selling major assets i.e. property, shares or a business.
- What to do with one-off events like redundancies, inheritances or windfalls.
- Whether to use structures such as a family trust, company, or SMSF.
- How to hold assets between spouses or entities so access, tax treatment and asset protection suit your goals.
- How your estate plans should flow, including wills and enduring powers of attorney.
- How to avoid your children or other beneficiaries of your estate paying unnecessary tax.
What we do for you
