Services That Actually Save You Money

No ongoing fees. No product commissions. Just clear pricing for specific outcomes.

Retirement Readiness Review

$1,247

Most people have no idea where they actually stand. This comprehensive review shows you exactly what you have, what you're losing, and what you need to do about it.

What You Get:

  • Complete super account audit across all funds
  • Fee analysis showing exactly what you're paying
  • Insurance coverage review (most people are over-insured)
  • Contribution capacity calculation
  • Projected retirement income based on current trajectory
  • Written report with specific action items
  • 60-minute strategy session to walk through findings

Best For:

Anyone 45+ who hasn't reviewed their super in the last 3 years. Especially if you've changed jobs multiple times and suspect you might have old accounts sitting around.

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Pension Phase Optimization

$2,340

Already retired but not sure if you're doing it right? We optimize your account-based pension, drawdown strategy, and Centrelink payments to make sure you're keeping as much as possible.

What You Get:

  • Current pension structure review
  • Drawdown strategy optimization (minimum vs. optimal)
  • Tax minimization for pension payments
  • Centrelink Age Pension application or optimization
  • Investment rebalancing for capital preservation
  • Estate planning check to ensure death benefits go where you want
  • Written strategy document

Best For:

Retirees who are already drawing a pension but feel uncertain about whether they're doing it the most efficient way. Often saves thousands in unnecessary tax or missed Centrelink payments.

Optimize My Pension

Super Consolidation Service

$875

Multiple super accounts cost you thousands every year in duplicate fees and insurance. We find all your accounts, compare them properly, and handle the entire consolidation process.

What You Get:

  • Lost super search across all Australian funds
  • Insurance policy comparison before canceling
  • Fee and performance analysis of all accounts
  • Recommendation on which fund to keep
  • Complete rollover paperwork and execution
  • Confirmation of successful consolidation
  • Projected annual savings calculation

Best For:

Anyone with 2 or more super accounts. On average, consolidation saves $1,200-$2,400 annually in duplicate fees alone. This service pays for itself in 4-6 months.

Consolidate Now

Age Pension Maximization

$1,560

The Age Pension assets and income tests are complex. We help you structure your finances to get every dollar you're entitled to while keeping your lifestyle intact.

What You Get:

  • Complete assets and income test analysis
  • Asset positioning strategy to maximize payments
  • Gifting strategy guidance (avoiding deprivation rules)
  • Home ownership and downsizer contribution advice
  • Application preparation and lodgment assistance
  • Review after first payment to ensure accuracy

Best For:

Anyone approaching Age Pension age (currently 67) with assets between $400,000 and $1 million. This is the sweet spot where proper structuring can increase your Centrelink payments by $5,000-$15,000 per year.

Maximize My Pension

Comprehensive Retirement Plan

$6,750

The complete solution. Everything from super optimization to estate planning in one coordinated strategy. For people who want it done right, done once, and maintained properly.

What You Get:

  • Full financial position analysis (super, property, investments, debts)
  • Multi-year tax minimization strategy
  • Super consolidation and optimization
  • Transition to retirement or pension phase setup
  • Centrelink strategy and application support
  • Estate planning coordination (we work with your solicitor)
  • Investment portfolio construction aligned with retirement timeline
  • Aged care financial preparation
  • Comprehensive written plan (40-60 pages)
  • Annual review meetings for 5 years
  • Unlimited email access to our team

Best For:

People within 10 years of retirement (before or after) who want a complete financial architecture, not just super advice. This is for clients who value having everything coordinated and professionally managed.

Get The Full Plan

Why We Charge What We Charge

These aren't arbitrary numbers. Each price reflects the actual time our advisers spend on your situation, plus the research and analysis required.

We don't charge ongoing percentages of your balance. We don't take commissions. You pay once for the service, you get the outcome, and you're done.

If you need ongoing support, we offer annual reviews at a flat fee. No surprises.

Not Sure Which Service You Need?

Book a free 20-minute consultation. We'll ask about your situation and tell you honestly what would help most.

Talk To Us