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Financial Advice For Retirees

You are most likely here because you have identified the importance of restructuring your finances to better accommodate for your ideal version of retirement. 

Whether you are in retirement or gearing up to enter retirement in the near future, our advice for retirees is built to help you reach your retirement goals. 

Ask Yourself

  • What is your ideal version of retirement?
  • How much money do you need to realise your ideal version of retirement?
  • What investments will you need to make to provide approperate cashflow for your retirement needs?
  • How safe are your current investments from shocks and changes in the market?
  • Are you on the right track or do you have enough money already to live your dream retirement?
  • Could you reduce your working week to partially retire sooner?
  • Is there certain activities in retirement you might need extra funds for such as travel or buying a boat?
  • Do you wish to continue to grow your wealth in retirement to pass to your children?

Who Our Financial Advice Is For?

Our Services

Investment Advice
  • Is your wealth diversified to protect your retirement from sudden market shocks?
  • Could you be growing your wealth in retirement and still maintain your current lifestyle?
  • Is there wealth you could set aside and grow to pass down to your children in the future?
  • How important would an impartial third-party opinion be to your situation?
Superannuation & Retirement Planning
  • Do you know how much you will need in retirement to live a comfortable lifestyle?
  • What does retirement look like for you?
  • When can you stop working?
  • Will you have enough for your version of a ‘comfortable’ retirement?
  • Could you benefit from salary sacrifice to retire sooner?
Cashflow Management
  • Are you using your surplus cashflow most effectively?

  • Have you thought about the tax implications of how you manage cashflow?

  • Do you have a clear understanding of what your expenses are and whether that is consistent with your goals?

Insurance & Risk Management
  • Are you assets protect from risk and unforseen circumstances?
  • How long would it take for you to financially recover from an uninsured risk?
  • Could you better insure yourself to help reduce future medical expenses?
  • Could your partner financially and emotionally carry the buden if you were to get sick?
  • Could this burden be reduce with insurance?
Estate Planning & Intergenerational Wealth Planning
  • Do you have a will in place?
  • Who will help you make your financial and medicals decisions if you were to lose the ability to make these decisions yourself?
  • Who will look after your children in the event of your passing?
  • Do you have a plan in place for your children and grandchildren to responsibly manage the wealth you have worked hard to build?
Structural Advice
  • Have you considered what happens to your personal assets if you were to run into financial difficulty?
  • Incorporating structures such as trusts and companies for long term asset protection and management of wealth.

  • Would specific corporate structures enable an easier transfer of wealth between you and your offspring?

What Tailored Financial Advice For Retirees Looks Like?

John & Fay

John & Fay came to Advise Wise looking to transition from full time employment into retirement and begin going routine cruises. 

After discussing their goals with the team it was identified that they did not have a large enough pool of cash to retire now if they wanted to maintain their current lifestyle and go on these cruises.

Through advice surrounding their cashflow the couple was instead presented with two options.

Option A. Transition into part time retirement and only work 6 months of the year, and enjoy the other 6 months crusing to their favourite destinations. Fully retire in 3 years.

Option B. Continue to work full time to retire in 1 year, and employ salary sacrifice and cost cutting measures to retire sooner. 

Favouring to transition part time into retirement the couple continued to work part time and cruise for half the year. 

The Advise Wise team continued to shift their investment portfolio to match new goals and changed tolerance for risk.

*John and Fay’s and experience is entirely fictional with the sole purpose of showcasing what tailored advice could look like in unique circumstances without disclosing personal client information. This information is in no ways financial advice and should not be acted upon. 

Our Success Stories

“We have worked hard to earn our money and we expect our financial planner to be across where we are now, where we want to go, what is the most intelligent thing for our money and how we can minimise risk. Advise Wise take their role very seriously. They come up with ideas that we hadn’t considered. We have a much clearer view of our financial future. When we were invited by a friend to co-invest in a project, they was able to work with us to objectively assess the merit of the investment and help us make a decision.”

“We had a number of financial planners before Advise Wise and some bad experiences. They came highly recommended by our accountant and I just wish we had met them earlier. They are careful and understand what we need to do. They are so thorough. They always gets back to us and do what they say they will do. We feel that if something happened to one of us, they would be a great support to the other one.”

“I came to Advise Wise because I had no idea how to set myself up for a secure future. I had a good income but poor money habits and no idea what I should be doing. I didn’t want to be in the same position as my family. Advise Wise has set me up in a great way and shown me the things I needed to do. I am in very good hands.”

“We rate Advise Wise highly because they are very professional, highly educated and across so much financial stuff. Not only do they look after us, when my mum needed to go into aged care, they were able to provide us with really valuable advice in this area as well.”

“The approach of Advise Wise to our financial situation has been thorough and professional. They have brought our whole financial situation into order so that we have a good sense of where we are at. They have been able to simplify things, cut to the chase and point out what was working and what was not and saved us a fortune in fees. We are in a much better state. We know we are putting money in the right places. We know where we stand now. We have a clearer idea of where we will stand.”

“Advise Wise have really educated me about money and I am now in a much better position than I could ever have been on my own.”

“Advise Wise has given us options. My accountant recommended I speak to them because they specialise in advice to women.”

“After my divorce, I wasn’t sure of the best use of my money. Advise Wise have given me great advice in getting ahead, not to panic, and how I need to take the best care of myself and my family.”

“I can always ring Advise Wise. I can ask them any question. They are right across my whole financial situation and make me feel more confident.”

“When I got divorced, I was suddenly alone. Advise Wise have been a great support. They play a really important role for me. They check in on me. They have my best interests at heart. I can ring them when I get confusing paperwork.”

“When I suddenly became widowed, Advise Wise was there for me. They have been a great help to me in my new situation. I feel that I can talk to them. No question is too silly and they help me with my concerns and worries. I can’t do it on my own. They know how I don’t want to take too much risk. They explain things to me in a way that I understand and are always willing to listen to me. I feel much more comfortable knowing that Advise Wise are there to help me.”

Our Financial Advisers

Meet The Team

We have an award winning team of financial advisers ready to help you meet your financial goals with specialist for all scenarios. 

What Are You Waiting For?

Book a consultation and see how we can help you achieve your financial goals.

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