Retirement should be a time to enjoy the rewards of your hard work, travel, hobbies, family, or simply peace of mind. But with Australians living longer than ever, retirement could last 20–30 years or more. Careful planning is essential to make sure your savings, superannuation, and investments last the distance.
A well-prepared retirement plan gives you clarity, confidence, and freedom of choice. With the right approach, you can:
Work out how much income you’ll need for your chosen lifestyle.
Maximise your superannuation through contributions and tax-effective strategies.
Understand how long your savings are likely to last.
Plan for phased spending — from active early years to later care needs.
Factor in social security and government entitlements.
Prepare for aged care costs and protect family assets.
Lifestyle Goals – define what retirement looks like for you and your family.
Superannuation Strategies – grow and optimise your super before and after retirement.
Income Planning – create reliable income streams that last as long as you do.
Tax-Effective Structures – reduce unnecessary tax and keep more of your money working for you.
Social Security & Age Pension – maximise entitlements and avoid common traps.
Aged Care & Health Planning – prepare for the rising costs of healthcare and future care needs.
Our retirement planning specialists work with you to design a personalised strategy that grows and protects your wealth. We help you:
Understand your current financial position and future needs.
Model different retirement scenarios to give you clarity.
Maximise contributions within current superannuation caps.
Access government concessions and entitlements where available.
Balance investment returns with risk as you approach and enter retirement.
Review your plan regularly to adapt as your circumstances change.
It depends on your lifestyle. ASFA suggests around $46,000 per year for singles and $65,000 for couples for a comfortable lifestyle, but many people aim higher.
That depends on your savings, super, entitlements, and the lifestyle you want. We’ll help you calculate the right timing.
We model different scenarios to make sure your income plan can adapt to longer life expectancy and rising costs.
Current concessional caps are $30,000 per year (with catch-up opportunities if eligible). We’ll help you make the most of your contributions.
Yes — aged care is often overlooked but can be one of the biggest expenses later in life. Early planning ensures more options and better quality of care.
Comprehensive Services by Wilkes Chartered Accountants
Wilkes offer a wide range of specialised services tailored to the needs of individuals and businesses. Whether it’s taxation, corporate compliance, retirement planning, wealth creation, or business growth strategies, our team brings depth of knowledge and practical experience to every client relationship. By investing in ongoing professional development, we ensure our advice is always current, effective, and of the highest standard.