Services built around real retirement challenges

Each offering addresses a specific stage of your pension journey. Choose what fits your current situation.

Pension consultation

Pension Health Check

Think of this as a financial diagnostic. We examine your current superannuation balance, contribution patterns, investment allocation, and projected retirement needs.

You'll receive a detailed report showing:

  • Current trajectory vs. retirement goals
  • Hidden fees that might be eroding returns
  • Tax optimization opportunities
  • Age pension eligibility forecast
Investment: $847.50 AUD
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Strategic Retirement Blueprint

Our most comprehensive offering. This is a complete roadmap from your current position to your target retirement date.

We build a custom strategy that includes:

  • Year-by-year contribution schedule
  • Asset allocation strategy adjusted for your risk tolerance
  • Tax minimization tactics specific to your income bracket
  • Contingency planning for market volatility
  • Spouse coordination if applicable

This isn't a generic calculator output. It's a personalized financial architecture.

Investment: $2,385 AUD
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Financial blueprint planning
Age pension planning

Age Pension Maximization

The age pension means testing rules are intentionally complex. Small changes in how you structure assets can mean thousands of dollars difference annually.

We help you:

  • Structure assets to pass means testing while preserving wealth
  • Time superannuation withdrawals to maximize benefits
  • Navigate gifting rules without triggering penalties
  • Coordinate with Centrelink requirements
Investment: $1,620 AUD
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Transition to Retirement Strategy

The five years before full retirement are critical. This is when you can use transition to retirement pensions to reduce work hours without reducing income.

We structure strategies that allow you to:

  • Reduce working hours while maintaining cash flow
  • Continue super contributions at reduced income levels
  • Take advantage of tax-free pension payments
  • Test retirement lifestyle before full commitment

This service is specifically for those aged 55-65 who want flexibility.

Investment: $1,945.75 AUD
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Transition planning
Estate planning

Estate & Legacy Planning

Superannuation doesn't automatically form part of your estate. Without proper planning, your beneficiaries could face unexpected tax bills or complications.

We ensure:

  • Binding death benefit nominations are current and valid
  • Tax-efficient transfer of super to beneficiaries
  • Coordination between super, will, and estate planning
  • Protection from potential family disputes
Investment: $2,150 AUD
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Ongoing Advisory Support

Markets shift. Legislation changes. Life events happen. Your pension strategy needs to adapt.

Quarterly support includes:

  • Portfolio performance review
  • Rebalancing recommendations
  • Legislative update briefings
  • Strategy adjustments for life changes
  • Priority access for questions

Think of this as having a pension strategist on retainer.

Investment: $495 AUD per quarter
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Ongoing support

Not sure which service fits your situation?

Contact us for a brief discussion. We'll point you in the right direction, even if that means starting with a different service than you expected.

Talk to an advisor