There's no single right answer but there is a right answer for you. Whether you want to set a date and work backwards, or work out a target number and plan around that, we model both scenarios so you can see exactly what's possible and when.

Downsizing or relocating before you stop working can free up significant capital and if that money goes into superannuation at the right time, the tax advantages can be substantial. We help you think through both sides: the lifestyle considerations (proximity to family, healthcare, transport) and the financial ones, so the decision works on every level.

We run a comprehensive retirement needs analysis that looks at your specific lifestyle goals, income sources and asset base to give you a real number to plan toward, rather than an industry average.

Super remains the most tax-effective vehicle available to most Australians - concessional contributions, tax-advantaged earnings, and tax-free income from age 60 all stack up significantly over time. We identify the contribution strategies, timing and structures that will make the biggest difference to your position before you finish work.

An SMSF gives you direct control over how your super is invested - including the ability to hold direct property and manage the timing of asset sales. It's a powerful structure for the right person, but it carries real trustee responsibilities. We'll help you assess whether the control and flexibility of an SMSF genuinely outweighs the administration involved for your situation.