Retirement financial advice, built around your life.
Work out when you can afford to retire, how much you can safely spend, and how to structure your super, investments and retirement income so your money can support the life you want.
Retirement financial advice starts with three questions.
Retirement involves more than reaching a certain age or super balance. The real question is whether your finances can support the life you want — now and over the years ahead.
Do I have enough?
We model your assets, superannuation, income, spending and retirement timing to help you understand what may be achievable.
How much can I spend?
Retirement should not mean constantly wondering whether every holiday, car or unexpected expense is putting your future at risk.
Will my money last?
We test how your strategy may perform through different market, spending and retirement scenarios so you can make decisions with a clearer picture.
Financial advice before and after retirement.
The financial decisions change as retirement gets closer. Our advice is designed for people preparing for retirement as well as those already relying on their assets for income.
Turn years of saving into a retirement plan.
If retirement is getting closer, we can help you understand when you may be able to retire, what income your assets could support and what changes may be worth considering before you finish work.
- Retirement timing and financial modelling
- Superannuation contribution strategies
- Pension and retirement income planning
- Investment and risk strategy
- Tax and Centrelink considerations
Make your retirement assets work as a system.
Once you stop working, the focus changes from accumulating wealth to funding your lifestyle, managing risk and making sensible decisions as markets, legislation and your circumstances change.
- Retirement income and pension strategies
- Investment portfolio management
- Cash reserves and spending needs
- Age Pension and Centrelink considerations
- Long-term and aged care planning
What can retirement financial advice help with?
Retirement decisions are connected. Superannuation affects tax. Investment decisions affect income. Spending affects how long your money may last. We look at the pieces together rather than treating each decision in isolation.
Superannuation
Contributions, pension commencement, account structures and strategies for using super as you transition into retirement.
Retirement Income
Planning how your regular income, cash reserves and larger expenses can be funded throughout retirement.
Investments
Building an investment strategy around your time frame, income requirements, tolerance for risk and capacity for loss.
Tax Strategy
Considering the tax consequences of superannuation, investments and withdrawals as part of the broader strategy.
Centrelink
Understanding how your financial structure may interact with Age Pension and other Centrelink entitlements.
The Years Ahead
Considering future spending, family support, estate planning discussions and the potential cost of aged care.
Model it. Build it. Maintain it.
A retirement plan should be more than a collection of financial products. We start with the life you want, model different scenarios and build a strategy around your circumstances.
Model it
We map your current position and test different retirement dates, spending levels and financial strategies so you can see the trade-offs before making major decisions.
Build it
Once the direction is clear, we recommend a financial strategy designed around your goals, existing arrangements and the decisions that actually need to be made.
Maintain it
Retirement can last decades. Your plan can be reviewed and adjusted as markets, legislation, spending and your life change over time.
The goal is not simply to reach the biggest possible balance.
After years of saving, retirement involves learning how to use your money confidently. A good strategy should help you understand what you can afford to spend while keeping enough flexibility for the unexpected.
A clear financial advice process.
You do not need to arrive with all the answers. The process starts with understanding where you are, what matters to you and what decisions are ahead.
Talk
We start with a conversation about your current position, retirement plans, concerns and the questions you want answered.
Model and advise
We gather the information we need, model your position, compare strategies and explain our recommendations in plain English.
Put the strategy in place
If you decide to proceed, we help implement the agreed strategy and coordinate the financial pieces that need to change.
Keep it on track
For ongoing clients, we review the strategy as your life, markets and the rules around retirement change.
Retirement advice with someone who knows your plan.
Wealth Factory is led by financial adviser Robert Laurie. The aim is straightforward: explain the decisions clearly, use financial modelling to test the options, and provide practical advice you can understand.
Bachelor of Business
Accredited Aged Care Professional®
Retirement financial advice in Toowoomba and across Australia.
Meet with us locally in Toowoomba or work with us online from elsewhere in Australia. The advice process is designed to work either way.
Prefer to meet face to face?
Wealth Factory provides retirement financial planning and financial advice for clients in Toowoomba and the surrounding region.
Prefer to meet online?
Retirement advice can also be delivered online, allowing us to work with clients across Australia through video meetings and secure digital communication.
Find the advice that fits your situation.
Prepare for the transition from working and saving to funding your retirement.
In Retirement Retirement AdviceManage income, investments and financial decisions throughout retirement.
Specialist Advice SMSF Financial AdviceAdvice for people considering or already managing a self-managed super fund.
Common questions about retirement financial advice.
When should I see a financial adviser about retirement?
You do not need to wait until you are ready to stop working. Retirement planning can be particularly useful in the years leading up to retirement, when there may still be opportunities to adjust superannuation contributions, investments, debt, spending and the timing of retirement.
How do I know if I have enough money to retire?
There is no single superannuation balance that guarantees a comfortable retirement. The answer depends on your spending, other assets, retirement age, investment strategy, potential Centrelink entitlements and how long the money may need to last. Financial modelling can help bring those factors together.
What does a retirement financial adviser actually do?
Retirement advice can bring together superannuation, investments, pensions, cash flow, tax considerations, Centrelink and your longer-term financial goals. The role is not simply to recommend investments, but to help those pieces work together as a retirement strategy.
Can I receive retirement financial advice online?
Yes. Wealth Factory works with clients in Toowoomba as well as clients elsewhere in Australia using online meetings and digital communication.
Do you provide advice after I retire?
Yes. Retirement is not a one-time financial event. Spending, markets, legislation and personal circumstances can change, which is why many clients value having their strategy reviewed and adjusted over time.
Ready to get clearer about your retirement?
Tell us where you are now, what you want retirement to look like and the questions you need answered. We’ll have an initial conversation about your situation and whether we can help.