The final working years can be some of the most financially stressful — and the most exciting. You’re juggling decisions about superannuation, pensions, investments, and lifestyle, all while wondering when the right time is to step back. The Transition to Retirement (TTR) phase isn’t just about winding down work — it’s about creating clarity, security, and confidence so you can move into the next stage of life on your terms.
Build detailed income and cash flow modelling so you know exactly how much you can spend without outliving your money.
Structure tax-efficient income streams that blend super, pensions, investments, and government benefits.
Stress-test different retirement ages, investment strategies, and health scenarios to retire with confidence.
Integrate estate planning and aged care planning to ensure your wealth supports not just you, but also your family in the future.
If illness forces you to reduce work earlier than expected, we rebuild your strategy to ensure retirement income and aged care needs are still met - supporting those who may not have engaged deeply in financial planning before
A client in her early 60s wanted to retire but feared her savings wouldn’t last. We modelled scenarios showing how investing $700,000 into a structured income stream could optimise her Age Pension eligibility, protect her capital, and provide a reliable retirement income. With a clear plan in place, she left her job knowing her lifestyle and healthcare costs were secure.
A couple in their late 50s wanted to cut back on work but still fund travel and support their first grandchild. We designed a phased TTR strategy, utilising a combination of super pension drawdowns and part-time income to maintain a strong cash flow. They now enjoy three months overseas each year while gradually winding down their work commitments — with complete clarity on how long their wealth will last.
