About to Retire or Planning for Retirement
Financial Planning
Financial planning for
your next chapter
Retirement is all about choice, your vision, your lifestyle, your future. Whether life has flown by or circumstances have brought retirement sooner than expected, this is your moment to take charge and shape the retirement you truly want.
At Impact Wealth, we know there are opportunities and strategies that can make a real difference to your retirement, sometimes in ways you might not expect. Our retirement specialists are here to help you maximise your potential and set you up for the years ahead, so you can move forward with confidence and clarity.
Contact the team at Impact Wealth and receive your complimentary discovery meeting where you can move beyond industry jargon and empower yourself to make the best decisions for your future and your family’s well-being.
How we can help plan your retirement
Retirement Planning
Create a tailored retirement plan that outlines financial goals, income sources, and strategies to achieve a retirement you can love.
Superannuation Optimisation
Maximise contributions to superannuation accounts and advise on investment options to grow retirement savings.
Age Pension Strategy
Help pre-retirees navigate the Age Pension system and determine eligibility for government benefits once they become eligible.
Debt Management
Develop a plan to pay off outstanding debts before retirement to reduce financial stress.
Budgeting and Expense Review
Assist in creating a realistic budget for retirement and identify areas where expenses can be reduced.
Tax-Efficient Strategies
Implement tax-effective strategies to minimise tax liabilities in retirement, including tax-efficient investment options.
Investment Planning
Recommend a diversified investment portfolio that balances risk and return to grow wealth for retirement and to meet retirement income needs.
Transition to Retirement
Guide pre-retirees through the transition-to-retirement phase, including strategies to supplement income.
Estate Planning
Assist in estate planning, including wills, trusts, and beneficiary
designations, to ensure assets are distributed as intended.
Risk Management
Assess insurance needs and recommend appropriate coverage, such as income protection and life insurance.
Portfolio Review
Evaluate existing investments and recommend adjustments based on retirement goals and risk tolerance.
Behavioural Coaching
Provide guidance on managing emotions and avoiding impulsive financial decisions during market fluctuations.
Monitoring and Adjustments
Regularly review the retirement plan and make adjustments based on changing circumstances and financial markets.
Lifestyle Planning
Help pre-retirees define their desired retirement lifestyle, considering travel, hobbies, and other activities.
Education
Continuously educate clients about financial concepts, market
developments, and strategies to ensure informed decision-making.
Communication
Maintain clear and open communication to keep pre-retirees informed
about their financial progress and goals.
By offering expertise in these areas, we can empower pre-retirees in Australia to make informed decisions, optimize their financial resources, and enjoy a fulfilling retirement.
Why choose Impact Wealth? Because retirement is personal.
Retirement isn’t just about super balances or spreadsheets, it’s about people, stories, and the life you’ve worked so hard to build. At Impact Wealth, we know that no two retirements look the same, which is why we take the time to listen first, understand what matters most, and shape advice that feels personal, not transactional. Our role is to walk beside you, giving you clarity, confidence, and reassurance every step of the way.
Choice
Putting you back in control by maximising your financial position, so you have choices over your future (when to retire, how much to live off, how often to travel etc.).
Freedom
Freedom from the worry of financial stress, knowing someone has your back and is looking out for your best interests. Through all the market peaks and troughs and government policy changes there’s a freedom in knowing your future is secure.
Clarity
Straight money talk with no judgement, no jargon and no pressure. We’re clear and on your side.
Connection
We make a plan, and you live it. It does more than change your life. It changes with your life choices. For every year of our clients retirement that we manage, we donate two meals to a person in need in and around the Sunshine Coast.
Our professional team is here to help you with any questions or concerns.
The team at Impact Wealth is highly educated, experienced and motivated to assist our clients to realise their retirement aspirations.
The best financial adviser on the Sunshine Coast. Gentle, friendly and totally thorough.
Janette
No financial changes either large or small were insuermountable for the team which were processed quickly and efficiently.
Tim
Giving back.
At Impact Wealth, caring for people is at the heart of what we do. That’s why we’ve partnered with OzHarvest, donating two meals for every year of retirement we manage for our clients. Together with the families we support, we’ve already provided over 7,000 meals to Australians in need. It’s a small way we can make a difference here at home, while helping our clients enjoy the future they’ve worked hard for.
