Personalised financial advice that meets you where you’re at
Helping you create a vibrant future
Life brings complexity but you don’t need to feel overwhelmed. We work closely with individuals and couples navigating some of life’s most significant transitions: planning for retirement, managing change after loss or separation, or making difficult aged care decisions. These are times when personalised financial advice can bring peace of mind and emotional relief.
Below are some of the common situations where we can help and stories of real people (names changed) we’ve guided through them.
General Advice Warning
This information is general in nature and does not take into account your personal situation. You should consider the appropriateness of the information and seek the assistance of an authorised financial adviser before making a decision regarding any products or strategies mentioned below.
Approaching or in retirement
You’ve worked hard. Now you want to make sure your money works just as hard for you.
Retirement brings big questions: When can I stop working? Will my money last? How do I create income from my super or investments? Whether you’re a few years out or already retired, we’ll help you plan with clarity, confidence and care so you can focus on enjoying the life you’ve built.
CASE STUDY
Meet John & Claire, late 50s, planning for retirement
John and Claire came to us with a common mix of excitement and uncertainty. They were both in their late 50s and still working full-time. They wanted to know if they were on track to retire and had two big goals: to renovate their home before retiring and to travel overseas frequently once they stopped working. Their finances were spread across multiple superannuation funds and investment accounts and they weren’t sure if their money was working as efficiently as it could.
They wanted a clear plan for retirement but also wanted to enjoy life along the way and make their renovation dream a reality without compromising their future lifestyle.
The process started by bringing structure and simplicity to their finances, consolidating superannuation accounts where it made sense and adjusting their investment strategy to match their timeline. Next came modelling a range of retirement scenarios, including the cost of renovations and ongoing travel, giving them a clear view of how those choices would shape their future. Contribution strategies then helped maximise their superannuation while they were still working.
The result?
John and Claire felt a huge sense of relief. With a clear timeline and flexible strategy in place, they had the confidence to go ahead with their renovations and even locked in their first trip. They’re now easing into retirement with the reassurance that they’re financially on track and free to enjoy the lifestyle they’ve worked so hard for.
Navigating change on your own
Someone you can trust to guide you along your journey.
Life changes (like divorce, the loss of a partner, or making financial decisions on your own for the first time) can feel overwhelming. Many of our clients come to us during these deeply personal transitions, looking for clear, compassionate guidance and a safe place to ask questions and feel heard.
CASE STUDY
Meet Helen, mid 60’s, recently divorced
We met Helen after she’d finalised a divorce from her husband of 35 years. It was an emotionally and financially overwhelming time. She had always been involved in the household finances but suddenly found herself needing to make big decisions on her own.
One of her main concerns was whether she would be financially secure on her own. Helen was also considering downsizing her home but wasn’t sure how that would affect her long-term financial position. Questions like “Will I have enough to retire comfortably?”, “Should I sell the house now or wait?”, and “What do I do with the superannuation and settlement proceeds?” were weighing heavily on her.
We took time to understand Helen’s new starting point, both emotionally and financially. Together, we mapped out her post‑divorce finances, explored the implications of selling her home and built a strategy that allowed her to downsize while protecting her long‑term financial independence. We then restructured her investments and superannuation to generate the retirement income she’ll need and guided her through updating her estate planning to reflect her new circumstances.
The result?
Helen told us she felt like a weight had been lifted. With a solid plan and ongoing support, she could move forward with confidence on her own terms. She now has clarity about what’s possible and the freedom to shape her next chapter with purpose.
Aged care planning
When someone you love needs care, the financial and emotional decisions can feel overwhelming.
Moving a loved one into aged care is one of the most difficult transitions many families face. There are decisions around accommodation bonds, Centrelink, aged care fees and how to fund everything without compromising the wellbeing of the partner remaining at home.
CASE STUDY
Meet Bill & Norma, early 80’s, needing aged care
Bill contacted us when his wife, Norma, was assessed as needing residential aged care. He was still living independently at home and was deeply anxious about what this would mean emotionally, logistically and financially.
He had questions like: Can we afford the aged care fees? Do we need to sell the house? Will I still have enough to live on?
We worked with Bill to explain the aged care fee structure clearly, assessed how best to fund Norma’s accommodation and helped him retain the family home. The team also restructured assets to maximise their Centrelink entitlements and ensured his own income needs were met.
The result?
Bill felt calmer and more in control. He could focus on supporting Norma emotionally, knowing the financial side was under control. Bill later told us that our help “made the hardest season of life just a little easier to bear.”
You’re not alone
Whatever season you’re in, we’re here to help you move through it with clarity, calm and support. We’ll take the time to understand what matters to you and then build a personalised financial plan that helps you live with more confidence, freedom and peace of mind.