Enjoy Your Wealth
A structured advice program for the years approaching retirement — structuring your retirement funding and making the most of what you have built.
Who this program is for
People approaching retirement who want to structure their retirement funding and make the most of the asset pool they have spent decades building.
The years before retirement carry decisions that are difficult to reverse: when to stop work, how to draw income, what to do with superannuation, and how much risk remains appropriate. Getting the sequencing right matters as much as the savings themselves.
This program is designed to bring those decisions into focus while there is still time to shape them — so retirement is approached with clarity rather than apprehension.
Where the work sits
- Modelling retirement income needs against your actual asset position
- Structuring superannuation into the retirement phase, where earnings are taxed at 0%
- Transition-to-retirement strategies where they remain appropriate
- Contribution timing in the final working years, within current caps and rules
- Centrelink and Age Pension considerations, and how they interact with your assets
- Investment settings that balance income stability with the growth still needed
- Estate planning coordination, so wealth passes according to your wishes
Timing is the strategy
A retirement date changes how much risk is appropriate. A market fall in the first years of drawing income has a different effect than one a decade earlier. The order in which assets are used — super, investments, the family home — changes tax, Centrelink outcomes and what is left for the estate.
We model these trade-offs before decisions are locked in, and review them as markets, legislation and your circumstances change.
From structure to enjoyment
The purpose of the structure is not the structure itself. It is the confidence to use what you have built — to travel, to support family, to work less or stop entirely — knowing the important decisions have been identified, considered and organised, with someone watching the whole picture as things change.
A transparent process, with fees disclosed upfront
We are paid only by our clients. We receive no third-party payments and do not charge insurance commissions, removing financial conflicts so we can work in your best interest.
Understand your position
An initial discovery meeting, at no cost or obligation, to understand your circumstances, priorities and the decisions in front of you.
Clarify the decisions
We identify what matters most, separate immediate needs from longer-term goals and explain the trade-offs in plain language.
Agree the terms of engagement
Where there is mutual fit, we prepare terms of engagement setting out our approach, how we would work together and the fees involved — disclosed fully, on a 12-month upfront basis, before you commit to anything.
Implement and review
We help put the agreed strategy into practice and review it as markets, legislation and your circumstances change.