1%
Only around 1% of financial planners in Australia are independent. We are one of them.
Independent means no commissions, no kickbacks, and no ownership or ties to a product provider like a bank or super fund.
Advice for an easy retirement
For most of our working careers the focus is to earn, save, pay down the mortgage and build your super, but when retirement is within sight it's important to know if you have enough, and if it will last.
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This is a complex question, and tools like online calculators or guidance from your super fund are a good start but aren't able to give you a holistic answer about your individual situation.
Retirement is one of the biggest financial decisions of your life. We can help you understand the answers to the big questions.
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Can you afford to stop working, or stop sooner than you thought?
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How much can you spend without the fear of running out?
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How to you set things up to weather ups and downs in markets and minimise taxes?
What independent retirement planning advice looks like
Being independent means we take no commissions, we don't take kickbacks, and we are not owned by or tied to a product provider like bank or a super fund. We do not run our own investment product, so when we look at your retirement we have nothing to sell you.
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That independence matters most in retirement, because this is exactly the point where the institutions have the most to gain from where your money sits. Our job is to look at your whole picture and give you the straight version.
"I highly recommend Andrew and his team for any financial advice. His advice is truely independent and he has made the transition from working life to retirement a lot easier for me. Andrew is extremely knowledgeable and has guided me through the process putting me at ease and giving me the confidence so I can enjoy those years ahead."
A retirement plan with us typically covers
A "how much is enough" projection
Your retirement modelled year by year, stress-tested against a long life and poor market timing, so you can see whether you are on track and when you could realistically stop.
An Age Pension and entitlements review
Where you stand against the assets and income tests, and how your arrangements affect what you may receive now or later.
Super and investment structure
Whether your super and investments are set up sensibly for a retirement that could last 25 years or more.
A retirement income strategy
How to convert your super into a reliable income, including account-based pensions, drawdown levels, and managing the risk of an early market downturn.
A tax strategy for the transition
Making the most of pension-phase tax treatment and any worthwhile contribution strategies in the lead-up.
A written plan in plain English
An easy to follow plan advising you on what to do in what order, and why.
On a defence or public sector scheme?
If your super is a scheme like PSS, CSS, DFRDB or Military Super, the retirement decisions are different again, and we know those schemes well.
How we plan for your retirement
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Complimentary introductory call
We talk through where you are and what you want retirement to look like. No cost, no obligation, and a chance to see whether we are a good fit.
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Discovery and fact-find
If you decide to go ahead, we gather the detail: your super, investments, income, and goals. We tell you the fixed fee up front before any work begins.
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Modelling and strategy
We build and stress-test your retirement projection and develop the income, tax and strategy that fits your situation.
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Your written plan
We present it plainly, walk you through it, and answer every question until it makes sense.
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Putting it in place and reviewing it
We help implement the plan and review it as markets, rules and your life change, because a plan set once and never revisited can stop fitting over time.
Trusted to deliver with your best interests first
"Alex is excellent, very knowledgeable and diligent. He has setup a very nice retirement scenario for us. Highly recommend."
"Always enjoy meeting with Andrew. Comfortable environment, sound advice, prompt action and no pressure to do crazy stuff with our hard-earned money. Thank you Andrew"