You’ve earned this chapter. The alarm clock’s gone, the calendar’s yours, but the money decisions haven’t stopped. Markets move. Costs rise. Kids still need a hand. And you find yourself wondering: Are we really going to be okay?

The questions keep coming:

  • Am I going to run out of money?
  • Are we spending too much… or not enough?
  • Should we be doing something different with our investments?
  • Can we qualify for some Age Pension or Seniors Health Care Card?
  • What happens if we need aged care later on?
  • How do we help the kids without risking our own security?

What success looks like

01
Clarity that your money will last the distance

Clarity that your money will last the distance

See, in black and white, how your savings and income track into the future, factoring in your lifestyle,
bucket list and what-ifs.

02
Confidence to spend, guilt-free

Confidence to spend, guilt-free

Know your monthly “safe-to-spend” figure for travel, family or fun – without wondering if you’re
eating into your future.

03
Calm through Trump and market movement

Calm through Trump and market movement

Your money structured to handle volatility, inflation and global uncertainty, so headlines don’t keep you awake at night.

Speech Marks

We help retirees fine-tune their finances so they can live fully without money worries holding them back.

Centaur Financial Advisers

Hugh Robertson, Nick Georgopoulos, Anthony Mirandilla

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How we help retirees

Income Optimisation

Retirement Income Optimisation

Structure your super, investments and other assets to generate steady, retirement income that flows into your account regularly, without you having to manage it all yourself.

Longevity and Lifestyle

Longevity and Lifestyle Planning

We model your spending against different scenarios – market crashes, living to 100, helping kids with house deposits – so you can see exactly how long your money lasts and what you can comfortably afford.

Age Pension

Age Pension and Entitlement Maximisation

Work out if you qualify for the age pension, Commonwealth Seniors Health Care Card or other concessions, and structure your assets to maximise what you’re entitled to receive.

Investment portfolio

Investment Portfolio Management

Regular reviews and rebalancing keep your retirement income on track as markets change. We set up cash buffers so you never have to sell investments at the worst possible time.

Downsizing strategy

Downsizing Strategy and Planning

If you’re thinking about selling the family home and moving somewhere smaller or closer to family, we show you exactly how it affects your finances, age pension entitlement and tax position before you make the move.

Family Wealth

Family Wealth and Gifting Strategies

Help your children or grandchildren without putting your own financial security at risk. We show you how much you can safely gift, and structure it to avoid Centrelink penalties.

Aged Care

Aged Care Financial Planning

Prepare financially for aged care costs, whether that’s at home or in a facility. We help you understand accommodation bonds, daily fees and how to structure assets so you’re not caught off guard.

Estate Planning

Estate Planning Review

Make sure your will, powers of attorney and super beneficiaries are current, and that your wealth passes to the right people tax effectively without legal nightmares for your family.

Retirees FAQ

FAQs from Retirees

We model your income and spending against different market conditions and life expectancies. You’ll see in black and white how your money tracks – and what levers we can pull if needed. Most clients feel enormous relief once they see the projections and realise they’re actually in better shape than they thought.

A self-funded retiree is someone who doesn’t qualify for the Age Pension due to the assets and income tests.

We calculate a “safe to spend” figure based on your assets, age pension eligibility, and lifestyle goals. That way you know exactly what you can afford each month — for holidays, helping the kids, or regular life — without eating into your capital too quickly.

Markets rise and fall — it’s normal. The key is structuring your money so you have enough cash and defensive assets to ride out the storms without selling growth investments at the worst time. With the right structure, you can sleep soundly even when the headlines are scary.

It depends on your assets and income. Many retirees assume they won’t qualify — but with smart structuring (like downsizing or moving money into exempt assets), you might be eligible for a part pension or the seniors health care card. We test different scenarios to maximise your entitlements.

Aged care can cost anywhere from modest daily fees to hundreds of thousands for accommodation bonds. We help you prepare financially so it doesn’t wipe out your savings or force you to sell the family home under pressure. The earlier you plan, the more options you have.

For those not receiving the Age Pension, there’s no formal gifting cap, but it’s still important to understand how larger gifts can affect your future income, tax position and financial security. If you do receive the Age Pension, Centrelink allows you to gift up to $10,000 per financial year – or $30,000 over a rolling five-year period – without reducing your Age Pension.

We help you explore the right balance between generosity and peace of mind — structuring gifts or transfers carefully so you can support family without triggering unintended tax or Centrelink consequences. It’s an area where personal advice really matters before making any big decisions.

There’s no general inheritance tax in Australia, but certain payments from super can be taxed when they’re passed on after you die. Super left to a tax dependant – such as a spouse or dependent child – is generally tax-free. But if it’s paid to adult children or other non-dependants, the taxable component can be hit with up to 15% tax plus Medicare levy.

Gold Coast Financial Advisers helping retirees live confidently in retirement since 2009.

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