Preparing for Retirement
Know your number. Choose your date. Retire with confidence.
Retirement is the biggest financial transition of your life. We make sure you arrive at it prepared, not just hopeful.
What we do
Most people retire on hope. Our clients retire on a plan.
The decade before retirement is the most important wealth-building period of your life, and the most commonly wasted. Super contribution limits, tax strategies, and Centrelink eligibility all intersect in ways that most people don't think about until it's too late.
We build a retirement readiness plan that tells you exactly when you can retire, what your income will be, and what you need to do between now and then, so you arrive prepared, not guessing.
We build a retirement readiness plan that tells you exactly when you can retire, what your income will be, and what you need to do between now and then, so you arrive prepared, not guessing.
How much super do I actually need?
It depends on your lifestyle, whether you own your home, and how long you'll live. ASFA benchmarks suggest $730,000 for a comfortable retirement for a couple, but your number is personal. We model it properly.
What is a Transition to Retirement strategy?
Once you reach preservation age (60–65), you can draw a TTR pension from super while still working. Used correctly, it can boost your super balance and reduce your tax. It's not right for everyone. We assess whether it fits your situation.
When should I apply for the Age Pension?
Timing matters. Centrelink assesses your assets and income at the date of application. How your assets are structured, including super, can affect your entitlements. We make sure you're positioned correctly before you apply.
How we work
Advice that evolves as retirement gets closer.
1
10 years out
Contribution maximisation & investment transition
2
5 years out
Super projections, TTR assessment & tax planning
3
2 years out
Centrelink strategy & income stream structuring
4
Retirement
Drawdown plan, pension application & estate review
What we do
Services
Retirement Date Planning
We model the impact of retiring early, on time, or late, so you can choose your date with full knowledge of what it means for your income and super.
Super Maximisation
The years before retirement are your last chance to make large super contributions. We identify every concessional and non-concessional opportunity before the window closes.
Tax Planning
Timing your retirement to align with low-income years, salary sacrifice strategies, and transition-to-retirement income streams can significantly reduce your tax bill.
Centrelink Strategy
Structuring assets correctly before you apply for the Age Pension can make a meaningful difference to your entitlements for years. We get the timing and structure right.
OUR PROCESS
Our process.
Advice starts with a proper conversation, not a product.
Discovery, on us.
A proper discovery meeting, not a 15-minute chat: what is important in life to you, where you stand, and whether we can genuinely help. Complimentary.
Your strategy, presented.
We build the strategy and present it with clear fees, so you decide with the full picture in front of you.
Implement and review.
We put the plan to work, then stay with you: portfolio monitoring, reviews, and an adviser who picks up the phone.
Who we help
Wherever you are in the countdown.
5–10 Years Out
You have time to make meaningful changes: maximise contributions, adjust investments, and build a clear picture of what retirement will look like financially.
1–2 Years Out
The final decisions are coming fast: transition-to-retirement strategy, super drawdown timing, Centrelink application. Getting these right now protects your income for decades.
Self-Employed & Business Owners
Without an employer contributing to super, your retirement savings strategy needs to be deliberate. We build it around your business exit, sale timeline, and personal goals.
Over approximately 19 years of dealing with Securinvest we have been extremely satisfied... At no time have we felt unsure or concerned.
Kerry
Google review
Google review
The sooner you start planning, the more options you have.
The first conversation costs nothing and comes with no obligation.
Or call (03) 9574 8300
