Transition To Retirement

A successful Transition to Retirement (TTR) strategy allows you the option to reduce your working hours whilst saving tax and boosting your super before you fully retire.


If you are under age 65 and still working, you can transfer the sum of your super into pension phase to gain the benefit of preferential tax treatment (a 0% tax rate on income and capital gains within the pension) as long as you withdraw between at least 4% and 10% of your pension account balance each financial year. This allows you to break up your income between employment and a pension, potentially providing you with significant tax savings.


At the same time as you are drawing a pension, you can be contributing money back into super, along with your mandatory employer contributions. This money will be taxed at Superannuation rates, providing the potential for you to reduce your tax bill.


A TTR strategy is a flexible option that allows you to work longer and retire later. To navigate the potential complexities of a TTR strategy and determine whether it is right for you, we strongly suggest that you seek professional advice.


Whether you are looking to buy your first (or 10th) investment property or a family home; we can advise you on the “why” and “how” of buying property. We can also help with advanced property investment strategies including commercial real estate and buying a property within a Self-Managed Superannuation Fund (SMSF). Learn more

Superannuation & SMSF

We start with an analysis of your current super, explain your numerous options and then work with you to tailor a long-term plan that’s right for you. Advice strategies can include a range of contributions, tax minimisation, cost reduction, super consolidation, performance maximisation and specialist SMSF options. Learn more


Whether you are already retired, in transition or just planning ahead, we can help you make the most of your resources by helping you to formulate a tax-effective investment strategy that caters to your lifestyle needs; taking into account Centrelink eligibility and estate planning concerns. Learn more

Estate Planning

Ensuring that your wealth is transferred according to your wishes, in a smooth and tax-effective manner, is key to your peace of mind. We can help you to plan for your dependants with efficient tax and ownership structures, revision and monitoring of your estate plan and income planning. Learn more


Building your wealth is just as important as protecting it. Illness, injury and death all have a significant impact on both your family and finances. We can help to make sure that you look after yourself and your loved ones with an assessment of your financial risk and implementation of a tailored risk-management package. Learn more


Whether you are seeking to refinance your existing loans or are looking at using new debt to fund either personal, business or investment goals, we can assist by assessing your borrowing capacity, advising on loan structures, shopping around for an appropriate lender and making sure you have access to the most competitive interest rates. Learn more

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