Retirement Planning
Castle Hill

Clarify goals, model retirement cash-flows, set super/non-super asset mix, optimise tax/withdrawals, and review the plan against life changes.

As early as possible, and again at trigger points—salary change, inheritance, property sale, approaching preservation age, or 1–5 years pre-retirement.

It depends on spending, housing status, health, and Age Pension eligibility. We convert target lifestyle costs into a required capital base and savings rate.

Through contribution strategy (pre/post-tax), investment option selection, insurance review, and transition-to-retirement or pension design at commencement.

Account-based pensions, annuities, super lump sums, investments outside super, rental income, casual work, and potential Age Pension/benefits.

By combining defensive reserves, diversified growth exposure, staged withdrawals, and a rebalancing policy to reduce forced selling.

Yes—pre-retirement planning aligns contributions, debt, and investment risk to your target date and lifestyle.

From age-based concessions and pension tax treatment to asset location (inside vs outside super) and capital-gains timing—planned to minimise leakage.

Portfolios incorporate growth assets and inflation-sensitive exposures; spending rules can adjust withdrawals to preserve sustainability.

Yes—assets/income tests, deeming, and structure choices that affect eligibility and payment rates.

At least annually, and on life events (downsizing, health changes, inheritance) or material market shifts.

Yes—in person locally, plus secure phone/video for those searching “retirement advice near me” across The Hills and greater Sydney.

Super/investment statements, insurance details, income/expense summary, liabilities, estate docs (wills/POA), and any trust/company records.