Retirement Planning

Helping You Retire on Your Own Terms

retirement

Overview

Retirement isn’t just a point in time—it’s a stage of life that can last decades. Planning for it means more than just checking your super balance. It’s about making sure you have the income, flexibility, and confidence to live the way you want after work.

At JustAdvice Financial Planning, we help people prepare for retirement with practical, personalised advice—no sales pitches, no jargon, and no guesswork. Just clear guidance that’s focused on your goals.

What Is Retirement Planning?

Retirement planning is the process of making informed decisions about how you’ll fund your lifestyle when you’re no longer earning a regular income. It involves more than superannuation. It’s about understanding your options, projecting your future needs, and setting up a strategy to support the life you want—whether that’s travel, spending more time with family, or simply maintaining your current standard of living.

It also includes preparing for changes that can come with retirement, such as healthcare costs, government entitlements, and transitioning your investments into income.

Who Needs Retirement Planning Advice?

You don’t need to be approaching retirement to start planning for it. In fact, the earlier you start, the more options you’ll have. We commonly work with:

  • People in their 40s and 50s who want to make sure their super and savings are on track
  • Professionals nearing retirement and wondering when they can afford to stop working
  • Self-employed people or small business owners who may not have a lot in super
  • Couples trying to plan for retirement together with different incomes, goals, or timelines
  • Retirees who want help managing income from super, pensions, and investments

How We Help

Our advice is tailored to you—your finances, your lifestyle, and what you want your retirement to look like. Here’s how we work with you:

  1. Initial Chat
    We start with a conversation about your current situation, what you’d like retirement to look like, and any concerns you have. There’s no pressure or complicated paperwork—just an honest discussion.
  2. Review Your Financial Position
    We look at your super, investments, assets, debts, and spending to understand where you stand. If you’re in a couple, we look at the full household picture.
  3. Create a Retirement Strategy
    Based on your goals and financial situation, we provide practical advice on areas like:
    • Super contributions and investment options
    • Retirement income planning
    • Age Pension eligibility and entitlements
    • Tax-effective withdrawal strategies
    • Downsizing or accessing home equity (where relevant)
    • Preparing for aged care or future health needs
  4. Ongoing Support (If You Want It)
    If you’d like help reviewing your progress or adjusting your plan over time, we offer ongoing support and check-ins. If you just want one-off advice, that’s fine too.

Everything is delivered in plain language, with clear fees and no product commissions. Our role is to provide advice—not sell you anything.

How Retirement Planning Can Help You

Good retirement planning gives you:

  • Clarity – so you know how your finances will support your lifestyle
  • Choice – about when and how you retire
  • Confidence – that you’re making informed decisions
  • Peace of mind – knowing you’ve considered the risks and put a plan in place

You’ve worked hard to build your life. We’re here to help you enjoy the next chapter—with less stress, and more freedom.

FAQs

Let’s Talk

Retirement doesn’t have to be a guessing game. Whether you’re 5 years out or already retired and unsure if your money will last, we’re here to help.

Book a chat today to find out how we can support your next step.