Services built around what you actually need
Not packages designed to upsell. Just clear options with transparent pricing.
Most people don't need everything. Some need a full financial roadmap. Others just need someone to check their super allocation and confirm they're not making expensive mistakes.
Here's what we offer and what it costs.
Comprehensive Retirement Strategy
This is the full assessment. We look at everything: your current super balance, other investments, expected age pension entitlements, projected expenses, and risk tolerance.
You'll get a written retirement plan with specific recommendations, income projections under different scenarios, and a clear picture of whether you're on track.
The annual review keeps the plan current as legislation changes, your circumstances shift, or markets move significantly.
What's included:
- Initial consultation and data gathering
- Full financial analysis and modeling
- Written retirement strategy document
- Income projection scenarios
- Implementation roadmap
- Follow-up meeting to review recommendations
- Annual review meetings
Pre-Retirement Planning Intensive
For people within five years of retirement who need detailed transition planning. This goes deeper than the comprehensive strategy because the timeline is compressed and the decisions are more immediate.
We'll map out exactly when and how to transition from accumulation to drawdown, optimize the timing for tax purposes, and structure your assets to maximize age pension if applicable.
What's included:
- Detailed transition strategy and timeline
- Tax optimization analysis
- Age pension eligibility assessment
- Withdrawal sequencing plan
- Superannuation to pension conversion strategy
- Healthcare and insurance review
- Three follow-up meetings over twelve months
Superannuation Health Check
Standalone review for people who just want to know if their super is set up properly. We'll check your fees, investment allocation, insurance coverage within super, and beneficiary nominations.
This isn't a full retirement plan. It's a diagnostic to identify problems and opportunities in your existing super arrangements.
What's included:
- Fee analysis across all super accounts
- Investment allocation review
- Insurance within super assessment
- Beneficiary nomination check
- Written report with recommendations
- Single consultation meeting
Age Pension Maximization
Focused service for people who want to structure their finances to maximize age pension entitlements without compromising security.
The age pension has complex asset and income tests. Small changes in how you hold assets can make significant differences in your entitlements. We'll show you what's possible and help you implement it.
What's included:
- Assets and income test modeling
- Restructuring recommendations
- Gifting strategy review
- Centrelink application support
- Ongoing entitlement monitoring options
- Written strategy document
Estate & Legacy Planning
Integration of retirement planning with estate planning objectives. This coordinates your retirement strategy with how you want to transfer wealth and protect your family.
We work with your solicitor to ensure your will, powers of attorney, and superannuation death benefit nominations all align with your retirement plan.
What's included:
- Estate planning coordination with retirement strategy
- Superannuation death benefit nomination review
- Asset ownership structure analysis
- Tax-effective wealth transfer strategies
- Family provision considerations
- Referrals to estate planning solicitors if needed
- Written integration plan
Investment Review & Rebalancing
For people who have investments outside super and want professional review of their portfolio construction, asset allocation, and rebalancing strategy.
We'll assess whether your current investments align with your retirement timeline and risk tolerance, identify tax inefficiencies, and recommend adjustments.
What's included:
- Portfolio analysis and risk assessment
- Asset allocation review
- Tax efficiency analysis
- Rebalancing recommendations
- Platform and fee comparison
- Written investment review report
How pricing works
All prices are fixed fees, not percentages of your assets. You pay for the work, not for having money.
For ongoing services, you can cancel anytime. No lock-in periods or exit fees.
If you're not sure which service fits, schedule a brief introductory call. No charge, no obligation.
Ready to move forward? Request a consultation or get in touch with questions.