Retirement On Your Terms
Transitioning from the workforce to a life of financial freedom.
Do you know exactly how much you need to retire comfortably without the fear of running out?
Is your Superannuation structured to provide a tax-free income stream?
What will your "Day 1" of retirement look like, and is your capital ready for your so that you can draw an income?
FAQs
Q: When should I start planning for retirement?
A: The "transition to retirement" window usually opens 5–10 years before you stop working. Early planning allows for "catch-up" contributions and structural changes that can save thousands in unnecessary taxes.
Q: What is a Transition to Retirement (TTR) strategy?
A: A TTR strategy allows you to access a portion of your Super while you are still working (once you reach preservation age). This can be used to reduce work hours without a drop in income or to salary sacrifice into Super to boost your final balance.
Q: How much Super is "enough" to retire comfortably?
A: This is highly personal. Industry standards provide benchmarks for "modest" vs. "comfortable" lifestyles, but we can model your specific spending needs, inflation, and life expectancy to ensure your capital lasts as long as you do. Currently, the Association of Superannuation Funds of Australia (ASFA) have defined “modest” and “comfortable” retirement lifestyles as follows (2026 Standards):
Modest Lifestyle: $35,503 p.a. (singles) to $51,299 p.a. (couples)
Comfortable Lifestyle: $54,840 p.a. (singles) to $77,375 p.a. (couples)
We can help you determine whether you have enough wealth to meet your retirement goals.