Services designed around real retirement
Not what the brochure promises. What actually happens when the paychecks stop.
Every service we offer addresses a specific transition point in the retirement journey. Some people need comprehensive restructuring. Others need targeted intervention. All of them need someone who understands the difference between a good plan on paper and one that holds up under pressure.
Pension Health Check
Think of this as a diagnostic. We examine your current position: superannuation balance, investment allocation, insurance coverage, estate structure, and debt situation. Then we map out what's working, what's not, and what needs immediate attention.
Most people walk away with three priorities they didn't know existed and a timeline for addressing them. No ongoing commitment required. Just clarity.
$1,247 AUD Request This ServiceSuperannuation Optimisation
Your super has been accumulating for decades. During that time, fee structures changed. Fund performance diverged. Tax rules evolved. What was optimal ten years ago is likely costing you now.
We audit your current super arrangement, identify inefficiencies, and restructure it to maximize growth while minimizing unnecessary erosion. This includes consolidation strategies, insurance optimization, and contribution planning.
$2,890 AUD Request This ServiceRetirement Income Strategy
The hardest shift isn't stopping work. It's converting a lump sum into reliable income that lasts thirty years. Most people underestimate what they'll spend or overestimate what they can safely withdraw.
We design a tax-efficient withdrawal strategy that balances lifestyle needs with longevity risk. This includes sequencing decisions, account-based pension setup, and drawdown phasing tailored to your actual spending patterns.
$4,650 AUD Request This ServiceAge Pension Maximisation
Centrelink rules are deliberately complex. Asset tests, income tests, deeming rates, and exemption thresholds create a maze where small structural changes yield significant benefit.
We analyze your eligibility, restructure assets to maximize entitlement, and ensure you're receiving every dollar available while maintaining control of your wealth. This isn't avoidance. It's optimization within the rules as designed.
$1,975 AUD Request This ServiceEstate & Legacy Planning
What you've built over a lifetime can be diminished significantly through poor estate structure. Tax inefficiencies. Family disputes. Unintended beneficiaries. Probate delays.
We work with your legal advisors to ensure your super death benefits, property holdings, and investments are positioned to transition smoothly and tax-effectively. This includes binding nominations, testamentary trusts, and beneficiary optimization.
$3,420 AUD Request This ServiceOngoing Advisory Partnership
Retirement isn't static. Markets shift. Legislation changes. Your circumstances evolve. What worked at 65 may not work at 75.
This service provides annual strategy reviews, portfolio rebalancing, legislative update consultations, and access to guidance as situations arise. Think of it as having a financial co-pilot rather than a one-time consultant.
$5,800 AUD per year Request This ServiceHow to choose
If you're not sure where to start, the Pension Health Check provides the foundation. It identifies gaps and priorities without requiring a large upfront commitment.
For those within five years of retirement, the Retirement Income Strategy is usually the priority. It bridges the gap between accumulation and distribution.
If you're already retired and concerned about maximizing government support, Age Pension Maximisation delivers immediate value.
And if you want continuous support as you navigate the next phase, the Ongoing Advisory Partnership ensures you're never making decisions in isolation.
"I spent $4,650 on their retirement income strategy. It identified $87,000 in unnecessary tax I would have paid over ten years. Best investment I ever made." — Helen, Adelaide
What's included in every service
Regardless of which service you select, you receive:
- A detailed written strategy document
- Face-to-face consultation (in-person or video)
- Implementation guidance and next steps
- Follow-up support for 30 days post-delivery
- Access to our resource library
Why our pricing is structured this way
We charge fixed fees for defined outcomes. No percentage of assets. No commissions on products. No trailing fees that erode your returns.
This structure aligns our incentive with yours. We succeed when you gain clarity and confidence, not when you purchase specific investments. It's a deliberate choice that shapes how we advise.