Retirement planning in Perth, for making every year count

Many retirees receive a full or part Age Pension alongside their own super and investments — Centrelink assesses eligibility against its income and assets tests, so how you draw down your super and structure your assets can affect what you receive. We factor Age Pension and Centrelink entitlements into your retirement income plan rather than treating them as an afterthought. This is general information; we model your specific situation before you make any decisions.

Often, but not always — it depends on your rate, your super settings and your income plan. It is one of the questions we test both ways in your modelling rather than answering by rule of thumb.

It depends on scope — one-off advice on a single question costs less than a comprehensive retirement plan with ongoing reviews. We agree fees in writing before any work begins.

The years either side of retirement carry the most irreversible decisions — when to stop, how to structure income, what to do with super. Advice tends to earn its keep here more than anywhere else.

It lets you access some of your super as an income stream while you are still working, once you reach preservation age — typically used to ease back hours or to boost super tax-effectively in the final working years.

A TTR strategy can reduce your hours without reducing your income, or boost super while you keep working — but it can also draw down your balance earlier and has tax and eligibility rules that cut both ways. The balance of pros and cons depends on your circumstances, so we model it before you commit.

It varies enormously with lifestyle and circumstances. Rather than quoting a figure, we work backwards from the retirement you want — the clearest way to get a real answer is a conversation where we can scope your situation.

There is no single number — it depends on the lifestyle you want, your other assets, your health and whether you own your home. Published benchmarks are a rough guide at best; we model your actual income needs against your balance and timeframe, as part of a tailored plan.