Strategic retirement solutions

Each service addresses a specific challenge in the retirement planning lifecycle.

Pre-Retirement Structuring

The five to ten years before retirement represent your highest leverage period for optimization. Contribution strategies, asset positioning, and tax minimization all compound significantly during this window.

What's included

  • Comprehensive analysis of current superannuation structure
  • Contribution strategy optimization (concessional and non-concessional)
  • Asset allocation review and rebalancing recommendations
  • Tax minimization planning across all income sources
  • Transition-to-retirement strategy development
  • Detailed implementation roadmap with timeline
AUD 4,750
Pre-retirement planning
Pension phase strategy

Pension Phase Strategy

Converting accumulation into sustainable income requires careful orchestration. Timing, tax efficiency, Centrelink implications, and longevity risk all factor into optimal pension design.

What's included

  • Income requirement analysis and cashflow modeling
  • Pension commencement strategy (lump sum vs. income stream)
  • Age Pension eligibility assessment and optimization
  • Account-based pension vs. annuity evaluation
  • Minimum drawdown planning and tax positioning
  • Ongoing income sustainability projections
AUD 6,200

Estate & Legacy Planning

Wealth transfer isn't just about writing a will. Superannuation death benefits, binding nominations, trust structures, and tax implications all require coordination to execute your intentions effectively.

What's included

  • Estate structure review and optimization
  • Binding death benefit nomination setup and review
  • Testamentary trust evaluation
  • Capital gains tax minimization strategies
  • Intergenerational wealth transfer planning
  • Coordination with legal and accounting advisors
AUD 5,350
Estate planning
SMSF optimization

Self-Managed Fund Optimization

SMSF trustees gain control but inherit complexity. Compliance obligations, investment decisions, and administrative requirements demand expertise without surrendering autonomy.

What's included

  • Annual compliance review and audit preparation
  • Investment strategy development and documentation
  • Sole purpose test verification
  • Related party transaction review
  • Pension commencement and management within SMSF
  • Regulatory change impact assessment
AUD 8,900

Comprehensive Wealth Review

Before committing to specific strategies, understand where you actually stand. A thorough assessment reveals gaps, opportunities, and risks that aren't obvious from account statements.

What's included

  • Complete asset and liability inventory
  • Risk exposure analysis across all holdings
  • Tax efficiency audit
  • Insurance coverage adequacy review
  • Fee and cost analysis across all accounts
  • Priority recommendations with estimated impact
AUD 3,850
Wealth review
Ongoing advisory

Ongoing Advisory Retainer

Retirement planning doesn't end at implementation. Markets shift, regulations change, personal circumstances evolve. Continuous oversight ensures your strategy remains aligned with reality.

What's included

  • Quarterly portfolio and strategy review
  • Proactive notification of relevant regulatory changes
  • Annual tax planning session
  • Unlimited email and phone consultation
  • Life event strategy adjustments (health changes, family needs)
  • Investment performance monitoring and rebalancing recommendations
AUD 2,400/quarter

Which service fits your current stage?

5-10 years from retirement

Focus on optimization and positioning

  • Pre-Retirement Structuring
  • Comprehensive Wealth Review

Transitioning now or recently retired

Convert accumulation to income

  • Pension Phase Strategy
  • Self-Managed Fund Optimization

Established retirement with estate concerns

Protect and transfer wealth efficiently

  • Estate & Legacy Planning
  • Ongoing Advisory Retainer

Ready to begin?

Select your service of interest and we'll provide a detailed engagement proposal within 48 hours.