The final push
Professionals and business owners on the retirement runway (5-10 years out)
You're starting to think seriously about what the next chapter of life looks like.
You find yourself wondering:
How much is 'enough'?
Should we be putting more into superannuation?
How can we make the most of these final high-earning years?
When will we have the choice to stop working if we want to?
What our clients really want to know is this: if they woke up one morning and said 'I've had enough,' could they actually walk away? That's the question we help you answer.
What success looks like
Your wealth, optimised
Your final working years structured to capitalise on every opportunity to minimise tax and maximise your retirement nest egg.
The next chapter, designed on purpose
The Europe trip. The beach house. The slow Friday afternoons. Built into the plan, not left to chance.
Choice, not a finish line
Work because you want to, not because you have to. The choice becomes yours.
How we help professionals and business owners planning for retirement
Retirement Planning & Projections
The retirement date. The trip of a lifetime. The beach house. Selling or stepping back from the business. Helping the kids and the grandkids. We map the decisions you're weighing up in this final stretch, model the what-ifs, and show you the impact.
Wealth Coaching & Accountability
We keep you accountable, celebrate the wins, have the tough conversations, and turn good intentions into real progress.
Family Protection and Insurance Cover
Sleep easy knowing you and your family are covered, just in case life throws a curveball like an injury or illness.
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.
Savvy Super Strategies
We'll help you make the most of the superannuation rules, maximise your contributions, and turn your super into real retirement freedom.
Investment Direction & Design
A portfolio that works quietly in the background, matched to your timeline, your priorities, and your risk comfort level.
Tax-Effective Structuring
Boost your wealth and legally minimise taxes by figuring out the best financial setup for your unique situation.
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.
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According to the ASFA Retirement Standard, singles need around $630,000 and couples need $730,000 in super at age 67 (February 2026 figures) to fund a comfortable retirement. But what comfortable actually looks like for you depends on the lifestyle you want, where you live, whether your home is paid off, and how long you need the money to last. An Up Wealth financial adviser can model the numbers against your real situation, so you know how much you need to retire comfortable.
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There's no single right answer and the trade-offs are different for everyone. Selling earlier means more time to enjoy retirement and less risk if the business changes. Holding on can mean more value at exit, particularly if you can use small business CGT concessions to put significant proceeds into super. The right call usually comes down to your timeline, your succession options, and how much the business depends on you personally.
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This is one of the most common situations among long-time business owners. Entities get set up over decades for reasons that made sense at the time, and end up costing money in accounting fees and adding complexity nobody can quite explain. The general principle is to review each one against your current plan and either keep it, restructure it, or wind it up. It's a piece of work, but the simplification on the other side is usually significant.
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For a lot of people in this stage of life, the answer is yes, but the right amount and timing depends on your unused concessional cap, your current super balance, your income, and how soon you'll need access to the money. Catch-up contributions can be a powerful way to reduce tax and accelerate retirement savings, but they only work for people who haven't used their full cap in previous years. An adviser can model what's available to you.
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This is one of the bigger decisions in this stage of life. The right answer depends on the rental yield each property is generating, the debt sitting against it, the capital gains tax position, and whether the income each property produces matches what you'll need in retirement. Some clients keep everything. Some restructure. Some sell down to simplify. Modelling the options properly tends to be more useful than going with a gut feeling.
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It can be. A lot of business owners and professionals reach their 50s with most of their wealth tied up in property, the business, or super they can't yet access. The issue is being forced to sell assets at the wrong time just to fund lifestyle. The general principle is to start building accessible liquidity in the years before retirement so the transition is smooth. There are several ways to do this and the right one depends on your wider position.
FAQ’s