Retirement Planning
Turn decades of hard work into the lifestyle you deserve
Plan Your Ideal Retirement with Focused Advisers
At Focused Advisers, we believe retirement is not just about finances - it's about freedom, fulfilment, and purpose. Whether you dream of travelling Australia as a grey nomad, relaxing by the sea, or spending quality time with family and friends, our goal is to help you design and fund the retirement you've always envisioned.
Why Get Personalised Retirement Planning Advice?
Retirement looks different for everyone. That's why we take a personalised, holistic approach to financial planning that goes beyond the numbers. Our retirement financial advice is grounded in real-world experience and tailored to your unique goals, values, and life stage.
Your Retirement, Your Way
You may be:
- In your early 50s, just starting to plan.
- Nearing retirement and wanting to ensure everything is in order.
- Already retired and looking to make the most of your nest egg.
No matter where you are in your journey, we help you bridge the gap between where you are now and where you want to be.
What Is Retirement Planning - And Why It's More Than Just Superannuation?
- How much income you'll need (and want)
- Where will that income come from
- How to make it last
- How to protect your wealth while still enjoying life
Our Approach to Retirement Financial Advice
Our retirement planning process is built on a foundation of clarity, confidence, and strategy. We take the time to understand your full financial picture - and your life goals - so we can craft a plan that supports you now and into the future.
What You Can Expect:
- A complete view of your current financial position
- Clear, achievable goals based on your lifestyle vision
- Customised strategies that evolve with you
- Ongoing advice, support, and reviews to keep you on track
We Help You:
- Structure your superannuation and investments for growth and sustainability
- Plan for healthcare, aged care, and other future expenses
- Reduce debt and optimise cash flow before and during retirement
- Navigate the age pension and other entitlements
- Integrate estate planning into your long-term financial strategy
If You're Just Getting Started:
- Clarify your retirement timeline and lifestyle expectations
- Forecast income needs and future expenses
- Develop savings and investment strategies that suit your risk profile
If You're Nearing Retirement:
- Fine-tune your super strategy, including salary sacrifice or transition-to-retirement options
- Plan lump-sum withdrawals or income streams from your super
- Assess whether downsizing, debt reduction or rebalancing investments could serve your goals
If You're Already Retired:
- Manage withdrawals to avoid longevity risk (outliving your money)
- Review and adjust your budget and spending plan
- Prepare for health care, aged care, and legacy planning
Customised Retirement Advice That Makes a Difference
We don't believe in one-size-fits-all financial planning. Every strategy we develop is:
- Tailored to your lifestyle and retirement goals
- Grounded in up-to-date legislative knowledge and market insight
- Focused on tax-efficiency, asset protection, and financial peace of mind
Whether you're self-employed, salaried, or already managing a portfolio of investments, we help make your money work harder—so you can focus on what matters most.
Superannuation Strategies That Work
Your super is one of your most powerful tools for retirement. We provide expert advice on:
- Optimal contribution levels (pre- and post-tax)
- Salary sacrificing to reduce tax
- Spouse contributions
- Consolidating multiple super funds
- Setting up and managing a Self-Managed Super Fund (SMSF)
5 Key Strategies for Smart Retirement
1. Start early with a clear vision
2. Maximise super contributions
3. Build diverse income streams
4. Plan for aged care and health costs
5. Regularly review and adjust your plan
Cash Flow & Budgeting for Life After Work
Planning for retirement isn't just about how much you've saved - it's about how you manage what you have. We help you:
- Understand your income sources and future needs
- Develop a realistic monthly budget that aligns with your lifestyle
- Establish effective cash flow systems so your finances stay on track
How to Avoid Outliving Your Money
Longevity risk is real. Our planning ensures:
- Sustainable withdrawal strategies
- Buffer assets and liquidity reserves
- Dynamic spending adjustments based on market performance and life events
Downsizing and Retirement
Considering selling the family home?
Pros: May free up capital, reduce expenses, simplified living
Cons: Emotional attachment, transactional costs, potential Aged Pension implications
Why Choose Focused Advisers?
With decades of experience in financial planning, our Brisbane and Gold Coast-based advisers offer:
- A trusted, judgement-free environment to talk about money and life goals
- Genuine care and ongoing support from a close-knit team
- Holistic, forward-thinking advice that covers every stage of retirement
- A strong focus on educating and empowering you to make informed decisions
We help take the stress and complexity out of financial planning so you can move forward with clarity and confidence.
Let's Build Your Future Together
Planning for retirement doesn't need to be overwhelming. Whether you're ready to retire soon or just starting to think about it, Focused Advisers is here to help you design a strategy that works for you.
Want to dive deeper?
Download our full Ultimate Retirement Planning Book for Beginners or get in touch with our friendly team for tailored advice.
Focused Advisers - Where your future meets clarity.
Retirement Planning FAQs
We’ve got your questions covered.
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Can I still retire if I have debt?
Yes, depending on the type and level of debt. We'll work with you to create a strategy that balances repayments with income needs.
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Do I need a financial planner to retire?
While not essential, a financial adviser ensures your strategy is personalised, tax-efficient, and sustainable.
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How do I make sure I don’t run out of money in retirement?
Through careful planning, diversified income streams, and sustainable withdrawal strategies tailored to your needs.
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How much money do I need to retire in Australia?
This depends on your desired lifestyle, but a general benchmark is $75,000 per couple, per year for a comfortable retirement* *As per the ASFA Retirement Standard for retires aged 65-84 who own their own home, June quarter 2025. https://www.superannuation.asn.au/consumers/retirement-standard/
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Should I downsize my home when I retire?
It can help free up capital, but it’s a personal decision with emotional and financial implications. We can help you weigh the pros and cons.
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What income streams are available after I retire?
Superannuation pensions, annuities, investment income, age pension, rental income and more. We’ll help you structure these for stability and tax-efficiency.
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What is a transition to retirement strategy?
A TTR strategy lets you access part of your super while still working, easing into retirement while boosting savings.
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What is the best age to start retirement planning?
The sooner, the better. Ideally in your 40s or 50s—but it’s never too late to benefit from tailored advice.
Explore your Retirement Planning Options
Book a free intro call with one of our experienced financial advisers or download our brochure and discover how Retirement Planning can give you peace of mind, no matter what life throws your way.
Book Your Introductory Call Retirement Planning BrochureOur Team
Meet Scott and Patrick, your financial advisers for wealth, super, retirement & insurance
Patrick Harrison
Principal Financial Adviser
With over 18 years in financial services, Patrick partners with individuals and high-net-worth clients alike to turn ... Read more
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Scott Hendy
Financial Adviser
With over 7 years of experience in the financial advice industry, and a diverse career in public-facing roles before ... Read more
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