Pre-Retirement Financial Advice, Melbourne

Sound familiar?

The questions that keep showing up.

"I earn well. But I honestly couldn't tell you the number we'd need to stop."

"Super, shares, the offset, the house: it's all there. It's just not a plan."

"I know these final working years matter most. That's exactly why I keep putting it off."

"What if I pick a date, retire, and it doesn't last?"

"I don't want to work a day longer than I have to. Or stop a year too early."

What we do together

From "hopefully" to a date you can trust.

Not a product list. A working partnership built around four outcomes.

Clarity on the number

What does "enough" actually look like: not a rule of thumb, but tested against the life you intend to live? That number changes everything downstream, so we start there.

A final-decade structure

Your peak earning years are the engine of the whole plan. Contribution strategy, tax structure, debt sequencing, all set up so every high-income year pulls its full weight.

A date, stress-tested

We model your retirement date against the scenarios that worry you (markets falling early, living longer than expected, helping the kids) so the date holds under pressure, not just on paper.

Accountability to actually do it

The strategies aren't secret; the follow-through is rare. We keep score with you, year after year, so the plan gets executed instead of admired.

Worth reading

Straight answers for the final stretch.

Retirement

The five questions to answer before you set a retirement date

Most people fixate on the number. The date matters more, and here's how to test yours.

Superannuation

Contribution strategies in your final working decade

The ten years before retirement are where structure earns its keep. What to consider, and when.

Planning

Transition to retirement: working less without earning less

Winding back before you wind up. How a staged exit can work harder than a hard stop.

Common questions

Before the final stretch.

When should I start planning for retirement?

Ideally around ten years out, but the sooner the better, and it's never too late. The final working decade gives contribution strategy, debt sequencing and tax structure the most room to work, but even if retirement is only a year or two away, knowing your number and having a plan for how you'll draw on your money still matters.

Do you help with super contributions and transition to retirement?

Yes. Superannuation strategy, including contribution strategies and transition to retirement, is a core part of how we plan the years before retirement. Whether a particular strategy suits you depends on your circumstances, which is exactly what the advice process works out.

What does pre-retirement advice cost?

The first conversation, our Clarity Call, is free. From there, a $440 Discovery & Engagement Fee covers your Discovery and Engagement meetings and is fully credited against your Statement of Advice, which is from $6,600. Ongoing partnership is from $6,600 a year. Every fee is confirmed in writing before you commit. See the full fees breakdown →

Where do we meet?

Wherever suits you. Our office is at Gate 8, Jolimont (Level 2, 88 Jolimont Street, East Melbourne), a two-minute walk from Jolimont Station, and we love meeting in person. If you'd rather meet from the comfort of home, we're just as happy to meet online over Microsoft Teams, wherever you are in Australia.

You've built the career. Now build the exit.