On the other side
Self-funded retirees seeking peace of mind
You've earned this chapter. The days are yours.
The quiet uncertainty still niggles:
How much can we actually spend without it running out?
What happens to our money if there's another GFC?
Are we paying more tax than we need to?
How much can we help the kids without hurting our own retirement?
You've already done the hard part. Our job is to simplify what you've built, protect it, and make sure you actually get to enjoy it without the constant worry in the back of your head.
What success looks like
Built to last, no matter what
A portfolio built to deliver reliable income through good markets and bad. So a wobble in the headlines doesn't become a worry at the kitchen table.
Everyone looked after, your way
Share what you've built with the family, now and into the future, tax-effectively and exactly as you wish.
Permission to spend
A clear annual figure you can spend without second-guessing. The travel, the grandkids, the boat. Enjoyed, not rationed.
How we help self-funded retirees
Retirement Income Strategy
Your super, investments and other assets structured to deliver a steady income that lands in your account month after month, without you having to think about it.
Investment Portfolio Design for Retirement
Your money working quietly in the background with an investment portfolio built to weather the market storms. So one bad year in the markets doesn't mean one bad year in your life.
SMSF Review or Wind-Up
If your self-managed fund has become more complex than it's worth, we'll work through whether it still suits your situation, and if not, manage the wind-up properly so nothing falls through the cracks.
Tax-Effective Retirement Structuring
Making sure you're not paying more tax than you need to in retirement. Reviewing how income, pensions and investments are structured, so more money stays in your pocket and less in the ATOs.
Aged Care Planning
Whether for yourself or for parents, aged care is one of the biggest financial decisions a family makes. We help you understand the options, the costs, and how to fund it.
Estate Planning and Family Legacy
We'll work with your legal team to make sure your wishes are properly documented and your family is protected.
Coordinate With Your Team
We coordinate with your accountant, lawyer and mortgage broker so you don't have to be the relay runner between professionals. We sit at the centre, coordinate the moving parts, and make sure everyone's working off the same plan.
-
Quite possibly. Retirees often pay unnecessary tax because their income is sitting in the wrong vehicles, their super pension hasn't been set up to maximise the tax-free environment, or franking credits aren't being captured. A proper structure review usually finds something. Whether the savings are meaningful depends on how your wealth is currently arranged.
-
This is the question almost every self-funded retiree wants a real answer to. There's no single rule of thumb that works for everyone, because the right number depends on your assets, your expected longevity, the income your portfolio generates, and how flexible you want to be year to year. A good retirement plan gives you a clear annual figure with a buffer built in, so you can enjoy what you've built without the guilt.
-
This comes up almost universally with retirees. The general principle is that help is fine, as long as it doesn't put your own retirement at risk. There are also tax-effective ways to give that are very different from just transferring cash, including gifting through testamentary trusts in your will, contributing to a grandchild's education, or co-signing rather than gifting. Setting clear boundaries upfront usually preserves both the wealth and the relationships.
-
There's no single right answer and the options depend on the size of your estate, what's inside super, and the structure of your family. Strategies range from testamentary trusts in the will, to binding death benefit nominations on super, to lifetime gifting, to setting up family trusts during your lifetime. Each has different tax and legal implications and the conversation usually involves your adviser, your accountant and your estate lawyer working together.
-
Aged care decisions made in a crisis are almost always worse than ones made with time and information. The general principle is to understand the options early (home care, residential care, the funding mechanisms and the means-tested fees) so the family isn't forced into rushed decisions when a health event happens. Planning ahead also tends to be much more tax-effective than reacting after the fact.
-
Self-managed super funds make sense for some people and not others, and the right answer depends on your balance, the time you want to spend administering it, the cost of running it versus the alternatives, and what you actually use it for. A lot of retirees inherit an SMSF that made sense in their working years but doesn't anymore. Reviewing it properly against your current situation is usually worth doing.
FAQ’s