How can I make sure I’m set up for retirement?
You’ve built your super. You’ve made sensible choices. But now retirement is starting to get closer, and you want to know:
Will I have enough?
Can I retire when I want to?
Am I making the right decisions now?
At Guidance Financial Services, we help you answer those questions with a clear retirement plan built around your numbers, your goals, and the life you want next.
Retirement studies show…
ASIC found that 48% of Australians aged 50 to 66 worry they will run out of money in retirement, and only 18% have a clear retirement plan.
Currently, only around 30% of retiree households reach ASFA’s Comfortable Retirement Standard.
ASFA estimates only about half of Australians will have enough super to retire to that comfortable standard by 2050.
The number in your super account is only part of the story…
Two people can have the same super balance and need completely different retirement plans.
One might want to retire at 60, pay off the mortgage, and travel every year. Another might be happy working longer, but wants to help their children out and feel confident their money will last.
That is why retirement planning is not about comparing yourself to a national average and hoping for the best.
It is about understanding what your retirement will cost, what your current position makes possible, and what decisions could improve it while there is still time.
We help you see what your retirement could actually look like
At Guidance, we turn the moving parts into a clear picture.
We look at your super, investments, debt, income, spending, and retirement goals together, then model how different choices could play out over time.
Instead of trying to piece it together from calculators, google searches, and half-relevant advice online, you get a personalised plan that shows where you stand now, what is possible, and what to do next.
We look at:
Could you retire earlier than you thought?
What happens if you want to work less before you fully retire?
How much super do you actually need to retire for the lifestyle you want?
Would a self-managed super fund (SMSF) help you achieve your goals?
How often will you be able to travel?
Can you help your kids financially?
Would extra super contributions make a meaningful difference?
Should you focus on the mortgage first?
We give you confidence in your plan
Am I using my money well now?
We look at super, debt, investments, tax, and cash flow together, not in isolation.
Can I retire when I want to?
We model different retirement ages so you can see what is realistic and what may need to change.
Will my plan hold up in real life?
We help you build a strategy that accounts for lifestyle, uncertainty, and the years ahead.
Read More About Retirement Planning
★★★★★
5 Star rating on Google
★★★★★ 5 Star rating on Google
“ I suggested to my parents make contact regarding their financial planning. They are very happy with the service and changes that have been made from their prior planning portfolio. So many thanks for assisting them and I am sure they will see the benefits and will be extremely happy – as we continue to be!”
Louise
Frequently Asked Questions
Still have questions? Take a look at the FAQ or reach out anytime. If you’re feeling ready, book your appointment below.
-
You can start thinking about retirement on your own. But personalised financial advice can help when the decisions are bigger, more connected, or harder to reverse.
That might include working out:
Whether you are on track to retire when you want
How to turn your super and investments into income
Whether to pay off debt, contribute more to super, or invest elsewhere
How tax, Age Pension rules, and estate planning fit into the picture
A good retirement plan brings those decisions together, so you are not trying to solve one piece while accidentally creating a problem somewhere else.
-
You don’t have to be about to retire to start planning for it.
In fact, the earlier you start, the more options you usually have.
If retirement is still 10 to 15 years away, we can help you understand whether you’re on track and what changes could make the biggest difference.
If retirement is 5 years away, we can help you plan your income, super, investments, debt and timing with more precision.
If you want to retire early or work less, we can model what that could look like and what trade offs may be involved.
If you’re worried you haven’t done enough, we can help you get a clear picture before you assume the worst.
Waiting does not make the question go away. It usually makes the options smaller.
-
There is no set retirement age in Australia. You can retire whenever your finances allow.
But if you stop working before Age Pension age, which is currently 67, you will need to fund that gap through your own savings, super, investments, or other income sources.
That is where retirement planning becomes especially important. Retiring at 60 is a very different calculation from retiring at 67.
-
Most Australians can access their super:
From age 60 if they have retired or left a job after turning 60
From age 65 whether they are still working or not
In some cases, you may also be able to start a transition to retirement income stream once you reach preservation age. The rules depend on your age and circumstances, so it is worth checking how they apply to you.
-
That depends on how much you have, when you retire, how much income you need, how your money is invested, and how long retirement lasts.
The tricky part is that retirement can run for 20 or 30 years. So the question is not just, Do I have enough to stop working? It is, Will my money keep supporting me later too?
A retirement plan can model how long your money may last under different scenarios, and show where changes now could make a difference