YOUR FUTURE SELF WILL THANK YOU
Who we help
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: retirement, managing change after loss or separation, or making difficult aged care decisions. These are times when financial clarity can bring peace of mind and emotional relief.
Approaching or In Retirement
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 help you plan with clarity, confidence, and care—so you can focus on enjoying the life you’ve built.
You’ve worked hard. Now you want to make sure your money works just as hard for you
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, still working full-time, and unsure when they could realistically retire. On top of that, they 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.
We began by bringing structure and simplicity to their finances—consolidating superannuation accounts where appropriate, adjusting their investment strategy to better match their timeline, and modelling different retirement scenarios. We included the cost of renovations and ongoing travel in the projections, so they could see the impact of those choices and plan with confidence. We also introduced contribution strategies to 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 the 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.
Women Navigating Change: Single, Divorced, or Widowed
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 female clients come to us during these deeply personal transitions, looking for clear, compassionate guidance and a safe place to ask questions and feel heard.
You're smart and capable—you just need someone you can trust to walk through this with you
Margaret, 63, Recently Divorced
Margaret came to us after finalising 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—and quickly.
One of her main concerns was whether she would be financially secure on her own. She 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 the time to understand Margaret’s new starting point—emotionally and financially. We helped her map out her post-divorce finances, explored the implications of selling her home, and created a strategy that allowed her to downsize while preserving her long-term financial independence. We also restructured her investments and superannuation to generate the income she would need in retirement and guided her through updated estate planning to reflect her new circumstances.
The result?
Margaret told us she felt like a weight had 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
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.
When someone you love needs care, the financial and emotional decisions can feel overwhelming.
Bill & Norma, 82 and 79
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 I afford the aged care fees? Do we need to sell the house? Will I 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. We also restructured assets to maximise his 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. He later told us that our help “made the hardest season of life just a little easier to bear.”