Superannuation Health Check
Think of this as a financial x-ray for your super. We examine every aspect of your superannuation to find hidden problems and missed opportunities.
What's Included:
- Complete analysis of all your super accounts
- Fee comparison and reduction strategies
- Performance review against industry benchmarks
- Consolidation recommendations
- Insurance coverage assessment
- Contribution strategy optimization
Most clients save between $1,200-$4,800 annually in fees alone—meaning this service pays for itself within months.
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Retirement Income Strategy
You've spent 40 years building your super. Now you need to convert it into reliable income that lasts. This is where most people make costly mistakes.
What's Included:
- Custom income projection modeling
- Age Pension entitlement optimization
- Account-based pension setup strategy
- Tax-effective withdrawal planning
- Centrelink asset test positioning
- Longevity risk management
Our clients typically increase their retirement income by 15-30% without taking on additional risk.
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Pension Maximization Plan
The Age Pension is means-tested, which creates a planning opportunity. Structure your assets correctly, and you could receive thousands more per year.
What's Included:
- Asset test impact analysis
- Income test optimization
- Gifting strategy development
- Asset restructuring recommendations
- Centrelink application support
- Annual review and adjustment plan
Average clients increase their Age Pension by $6,400-$11,200 annually through strategic planning.
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Wealth Preservation Package
Protecting what you've built for the next generation requires careful planning. Estate taxes, family disputes, and poor structuring can destroy decades of work.
What's Included:
- Estate planning strategy
- Tax-effective wealth transfer structures
- Superannuation death benefit optimization
- Family trust considerations
- Binding death nomination setup
- Executor guidance and documentation
Proper planning can save your beneficiaries 30-50% in taxes and prevent costly legal battles.
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Pre-Retirement Planning
The 5-10 years before retirement are critical. This is your last chance to accelerate savings, optimize contributions, and fix past mistakes.
What's Included:
- Accelerated accumulation strategies
- Salary sacrifice optimization
- Transition-to-retirement planning
- Catch-up contribution strategies
- Investment allocation review
- Retirement date scenario modeling
Starting this planning at 55 versus 60 can mean an extra $85,000-$140,000 in retirement savings.
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Ongoing Advisory Retainer
Retirement planning isn't a one-time event. Laws change, markets shift, and your situation evolves. Stay on track with continuous support.
What's Included:
- Quarterly strategy reviews
- Unlimited phone and email consultation
- Legislative change updates and impact analysis
- Annual comprehensive plan refresh
- Market event guidance
- Priority scheduling and support
Think of this as having a retirement planning expert on call whenever you need guidance or reassurance.
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