29+ Years advising Australians
6,000+ Clients across the country
$2.5B Funds under advice
6 Offices nationally
— What it involves
Planning for retirement
is not just about super.
Retirement planning brings together your superannuation, investments, property, debt, Centrelink entitlements, tax position and estate wishes into a single, coherent strategy. The goal is to ensure that when you stop working, your income, lifestyle and wealth hold up — for as long as you need them to.
At AGS, retirement planning is built into your broader financial plan from day one. Your adviser, accountant and mortgage broker work together — so your retirement timeline accounts for your mortgage payoff date, your tax position, and your estate plan simultaneously.
Whether retirement is 30 years away or 3 years away, the right time to plan is now. The decisions you make in the years before retirement — around contributions, structures, drawdown sequencing and Centrelink — have an outsized impact on the outcome.
— What we cover
Every aspect of
your retirement.
Retirement income projections
We model your income in retirement — across super, investments, Age Pension, rental income and any other sources — so you know exactly where you stand.
Transition to retirement (TTR)
If you're approaching retirement, a TTR strategy can reduce your tax and boost your super while you're still working. Timing and structure are critical.
Superannuation contributions strategy
Maximising concessional and non-concessional contributions in the years before retirement can significantly increase your retirement balance — within ATO limits.
Pension commencement & drawdown
How you draw down your super in retirement — the order, timing, and mix with other income — affects how long your money lasts and how much tax you pay.
Age Pension & Centrelink planning
Asset and income thresholds affect your Age Pension entitlement. We structure your finances to maximise your entitlement without compromising your overall position.
Estate & beneficiary planning
Who receives your super when you die is not automatic — it requires specific nominations and structures. We ensure your retirement assets pass to the right people, tax-effectively.
— Who this is for
Is retirement planning
right for you?
- You're within 10 years of your target retirement date
- You have accumulated super and investments but no clear plan for drawing them down
- You're concerned about whether you'll have enough to retire comfortably
- You've recently retired or are in the early years of retirement
- You want to understand your Age Pension entitlement and how to maximise it
- You want your retirement plan to account for your tax position, estate and aged care
Ready to plan your retirement?
Book a free initial consultation. We'll assess your situation honestly and show you exactly where you stand.