Retirement planning in Perth — built around the life you want
For most of our clients, retirement isn’t a hard stop at 60. It’s the freedom to dial work up or down on your own terms. We model what financial independence actually looks like for you, then build the strategy to get there.
Reviewed by Justin Porrins, CFP® · SMSF Specialist Adviser™ · Last reviewed 25 June 2026
“Am I on track?” — answered properly
It’s the question behind every retirement conversation, and it deserves a real answer, not a rule of thumb. We start with the life you want — the week, the travel, the work you’d keep doing because you enjoy it — and work back to the number and the structure that funds it.
More than a target number
A retirement plan that’s just a balance ignores the architecture around it: how super, investments and entities are sequenced, how income is drawn tax-efficiently, and how the plan flexes when life changes. The number is the start of the conversation, not the end of it.
What we build
- A contribution and superannuation strategy that uses the rules in your favour
- A drawdown approach designed for tax efficiency and flexibility
- Coordination across super, investments and any SMSF or trust
- A plan that lets you reduce work without reducing the lifestyle
A financial adviser for retirees — not just a number
Whether you’re a few years out or already there, a good retirement adviser does more than name a target balance. We coordinate super, pensions, investments and any trust or SMSF into one drawdown plan — managing the transfer balance cap, drawing income tax-efficiently, and keeping the plan flexible as the rules and your life change. The number is the start of the conversation; the architecture around it is the work.
The goal isn’t to stop working. It’s to make work optional.
Common questions
How much super do I actually need to retire?
It depends entirely on the life you want to fund — which is why a generic figure can mislead. We model your specific lifestyle and timeframe rather than apply a benchmark. Our guide “How much super do you need to retire in Australia?” explains the standard benchmarks and why your number will differ.
Do I need a financial adviser for retirement?
Not everyone does — but as retirement nears, the decisions get harder to reverse: when to draw down, how to manage the transfer balance cap, how pensions and investments interact, and how to keep tax low across a 30-year retirement. A financial adviser for retirees helps sequence those moves so a good balance lasts. General information only — not personal advice.
How wide is your Wealth Gap?
A no-obligation Wealth Gap Conversation: where you are, where you should be, and whether we’re the right fit. Justin responds personally within one business day.
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