Whether retirement is 10 years away or just around the corner, the decisions you make now shape the lifestyle you will have later. I help you build a clear plan so you can retire with confidence, not guesswork.
Retirement planning is not just about having enough super. It is about understanding how all the pieces fit together — super, investments, the Age Pension, tax, insurance, and estate planning — so you can draw an income that lasts.
I work with clients who are typically 5 to 15 years from retirement, or who have recently retired and want to make sure they are structured correctly. The questions at this stage are specific: When can I afford to stop working? How much can I draw without running out? Should I use a transition to retirement strategy? How do I move from accumulation to pension phase?
I help you answer those questions with real numbers, not rules of thumb. We model your situation, stress-test it against different scenarios, and build a strategy you can adjust as things change. The goal is a plan that gives you clarity and control.
You want to know if you are on track, and what you can do now to improve your position before you stop working.
Considering a transition to retirement strategy to boost super or reduce tax while you are still earning.
Wanting to structure your super and investments to draw a sustainable income in retirement without unnecessary tax.
Planning retirement together, navigating different super balances, age gaps, and Age Pension eligibility between partners.
Sound like your situation? Let's talk through where you stand and what your options are.
Retirement Income Modelling
See what you can afford to draw each year and how long your money will last under different scenarios
Transition to Retirement Strategies
Use a TTR pension and salary sacrifice together to grow your super faster while you are still working
Account Based Pension Setup
Move your super from accumulation to pension phase so your investment earnings become tax-free
Age Pension Planning
Understand how the assets test, income test, and deeming rates affect what you may receive from Centrelink
Centrelink Optimisation
Structure your assets so you receive the maximum entitlements you are eligible for
Estate Planning Alignment
Make sure your super, will, and beneficiary nominations all work together so nothing falls through the cracks
Drawdown Strategy
Decide which accounts to draw from first — super, pension, or non-super — to make your money last longer
Transfer Balance Cap Management
Stay within the $2.0 million cap when moving your super into retirement phase so you avoid unnecessary tax
We've never felt more confident in our financial future. Alan came prepared, listened carefully, and gave clear, thoughtful advice. We've already recommended him to friends and will definitely be back.
Rosemary & Paul
Melbourne
Model pension payments, tax savings, and super balance projections
Try CalculatorCalculate death benefits tax savings through recontribution
Try CalculatorUse carry-forward rules to boost super before retirement
Try CalculatorBook a free 30-minute discovery call and let us look at your numbers together.
The information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. It should not be relied upon as personal financial advice. Before making any financial decisions, consider whether the information is appropriate for your circumstances and seek independent professional advice where necessary.