Retirement Planning – Gold Coast

Retirement Planning – Gold Coast

Retirement Planning – Gold Coast — practical, step‑by‑step advice built around your goals, cash‑flow, tax and risk. We design, implement and review with you.

Who we help

  • Couples 5–10 years from retirement
  • Singles wanting to lock in a retirement date
  • Part‑timers considering transition‑to‑retirement
  • People balancing Age Pension eligibility with flexibility

Our process

  1. Discovery — goals, time frames, constraints and risks.
  2. Strategy — structures, contributions/withdrawals, portfolio design.
  3. Implementation — platforms, paperwork, clear responsibilities.
  4. Review — cadence, triggers and playbooks so decisions are fast and calm.

Case Study – Mary & John, Nerang (names changed due to modelling purposes)

Mary (62) and John (64) held $750k in super plus $100k cash after downsizing. We mapped needs vs wants, then set account‑based pensions with staged drawdowns. A three‑bucket approach (2 years’ cash, 3 years’ defensive, remainder growth) reduced sequencing risk. Downsizer and carry‑forward concessional contributions rebuilt balances. Centrelink eligibility was timelined for age 67. Result: predictable income with safety rails.

Case Study – Susan, Burleigh Heads (names changed due to modelling purposes)

Susan (58) is self‑employed with lumpy income. A transition‑to‑retirement stream supported part‑time work. We diversified her super, automated contributions, and built a cash buffer outside super. She gained confidence to scale back hours while still growing savings.

Optional background: MoneySmart Retirement Planner. Treat as indicative only — our advice integrates tax, structure and Centrelink.

Quick sense‑check: Use our GCFA Financial Calculators. Results are conceptual only — not personal advice.

Related GCFA tools & services

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