Retirement Planning Advisor Melbourne

Retire on your terms. With a plan that actually works.

For Melbourne-based professionals, families and business owners approaching or already in retirement—wherever you are in Australia.

Whether you are five years out or already retired, we help you turn decades of hard work into a retirement income you can count on. No guesswork. No running out too soon. No leaving money on the table.

From superannuation strategies and pension structuring to Centrelink optimisation and estate planning, your retirement plan is built around your lifestyle goals, not product sales.

  • Clear retirement income projections
  • Tax-smart pension and super strategies
  • Ongoing support from Melbourne-based advisors
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*Professional. Licensed. Recognised for excellence.

Why Plan Your Retirement With Angel Advisory?

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Clear retirement income modelling

Know exactly how much you can spend each year, adjusted for inflation, without running out.

Super and pension optimisation

Maximise concessional contributions, transition to pension phase tax-free, and structure withdrawals to minimise tax.

Centrelink and Age Pension guidance

Navigate the assets and income tests. Structure your affairs to maximise entitlements without unnecessary complexity.

Property and downsizing strategies

Should you downsize? Use the downsizer contribution? Keep or sell investment property? We model the options.

Ongoing reviews and adjustments

Retirement is not set and forget. We review your plan annually and adjust for market changes, legislation and life events.

Who we help

  • Pre-retirees (5 to 10 years out): Maximise super contributions, model retirement scenarios, and build a transition timeline that suits your goals.
  • Recent retirees: Turn your super into a sustainable income stream. Set up pensions, manage drawdowns, and avoid common mistakes in the first years of retirement.
  • Couples with different retirement dates: Coordinate strategies when one partner retires before the other. Balance income, super and tax across both members.
  • SMSF members: Investment strategy reviews, pension compliance, and succession planning for self-managed funds.
  • Business owners exiting: Sell the business, then what? We help you invest the proceeds and structure your retirement income for decades ahead.
  • Entering aged care: Understand your accommodation options, fees, and funding, and how they affect your super, home, Centrelink, and estate so care remains affordable and secure.

Common Retirement Planning Challenges We Solve

“I do not know if I have enough to retire.”

We model your income needs against your assets. You will see exactly how long your money lasts under different spending scenarios, market conditions and inflation rates.

“I am worried about running out of money.”

We build conservative buffers into your plan. We stress-test for market downturns, unexpected health costs and living longer than expected. You will know your floor.

“Super rules keep changing and I cannot keep up.”

We track legislative changes so you do not have to. Contribution caps, transfer balance caps, pension rules. We translate the jargon into plain English and adjust your strategy accordingly.

“I do not understand my Centrelink entitlements.”

The Age Pension rules are complex. We help you understand the assets test, income test, deeming rates and gifting rules. We structure your affairs to maximise what you are entitled to.

“Should I keep working part time?”

We model transition-to-retirement strategies. Sometimes working a few extra years or part time makes a big difference. Sometimes it does not. We show you the numbers.

“My investments are too risky for retirement.”

We rebalance your portfolio for the retirement phase. More defensive assets, income focus, and appropriate risk levels so a market crash does not derail your plans.

Based in Melbourne and serving clients across South Melbourne, Brighton, Prahran, South Yarra, Windsor, Williamstown, Yarraville, St Kilda, Caulfield, Albert Park, Port Melbourne and nearby suburbs.

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How Our Retirement Planning Works

  1. Assess Your Position
    We review your superannuation, investments, property, debts and expected income sources. We map your retirement lifestyle goals: travel, hobbies, family support, aged care considerations.
  2. Build Your Retirement Plan
    You receive a Retirement Strategy Pack with:
    • Retirement income projections (base case, conservative, optimistic)
    • Super contribution strategies to maximise your balance before retirement
    • Pension structuring: account-based pension, transition-to-retirement strategies
    • Centrelink and Age Pension optimisation
    • Investment allocation for the retirement phase (income, growth, defensive split)
  3. Implement and Review
    We help you action the plan: super contributions, pension applications, investment changes. Then we review annually to adjust for market movements, legislative changes and life events.

Superannuation and Pension Strategies

Your super is likely your largest asset outside your home. We help you make the most of it:

  • Concessional contributions: Salary sacrifice, personal deductible contributions, catch-up contributions if you have unused cap space
  • Non-concessional contributions: After-tax contributions, bring-forward rules, downsizer contributions
  • Pension phase: Transition to pension, account-based pension setup, minimum drawdown requirements
  • Transfer balance cap: Manage your cap, understand the implications, plan for couples

What you will receive: A Super Strategy Report showing contribution opportunities, pension structuring options and projected retirement balances.

Meet Your Melbourne Retirement Advisors

  • Experienced advisors helping Melbourne professionals and families plan for retirement with confidence.
  • Melbourne locals who value clarity, independence and long-term trust.
  • Specialists in superannuation, pensions, Centrelink and retirement income strategies.
  • ASIC-regulated and focused on transparent, lasting results.

Your retirement. Your lifestyle. Our expertise.

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Angel Advisory Melbourne team

Frequently asked questions

The earlier the better, but it is never too late. Ideally, start serious planning 10 to 15 years before your target retirement date. This gives you time to maximise super contributions, pay down debt and build the right investment mix. If you are closer to retirement, we can still help you make the most of what you have.

Your retirement needs depend on lifestyle. The ASFA Retirement Standard sets the minimum annual cost of a comfortable retirement at $54,240 for singles and $76,505 for couples. Individual circumstances vary, so we model your exact situation instead of generic figures.

The Age Pension is a government payment for eligible Australians. You need to meet age requirements (currently 67) and pass assets and income tests. Even if you have significant assets, you may qualify for a part pension. We help you understand your entitlements and structure your affairs to maximise them.

Generally yes, but it depends on your situation. Entering retirement debt-free reduces your income needs and stress. However, sometimes it makes sense to prioritise super contributions or keep a small mortgage if the numbers work. We model both scenarios so you can make an informed decision.

A transition to retirement (TTR) strategy lets you access some of your super while still working. You can reduce work hours and supplement your income with super, or use it to boost super contributions while reducing tax. It is not right for everyone, but can be powerful in the right circumstances.

We charge transparent, fixed fees agreed upfront. No commissions, no percentage-of-assets fees. You know exactly what you are paying before we start. Our initial consultation is complimentary so we can understand your situation and explain how we can help.

Yes. We work with many SMSF members. We help with investment strategy, pension compliance, contribution planning and succession. We coordinate with your SMSF accountant and auditor to ensure everything runs smoothly.

We will send you a short questionnaire to complete before we meet. This helps us understand your situation. In our first meeting, we will discuss your goals, review your current position and explain how we can help. There is no obligation to proceed.

Explore Other Services

Investment Advice

Build and manage a diversified portfolio aligned with your goals.

Estate Planning

Structure your affairs to protect your family and pass on wealth.

Tax Advisory

Tax-aware strategies to keep more of what you earn.

Ready to plan your retirement with confidence?

Speak with a Melbourne retirement advisor who will build a plan you can understand, a retirement income you can count on, and ongoing support as life changes.

Talk to a Retirement Advisor Today