You’re 5-10 years from retirement (maybe closer). The kids are finishing school or leaving home. You’re imagining life when work is an option (not an obligation).

You want answers to the big questions:

  • When can I actually afford to stop working?
  • Am I on track – or do I need to work longer?
  • Should I be putting more into super now while I can?
  • What about that investment property – keep it or sell before I retire?
  • How can I make the most of these final high-earning years?

What success looks like

01
Confidence about lifestyle

Clear retirement timeline

You’ll know exactly when you can afford to stop working, or drop back to part-time, without guessing or hoping it all works out.

02
Maximised super+tax

Maximised super and tax strategies

Your final working years structured to put the maximum into super, minimise tax, and accelerate your wealth building when it matters most. These are your power years. We make sure they count.

03
Collaborate to make an impact

Confidence about your lifestyle in retirement

You’ll know what you can comfortably spend on travel, helping the kids, or that caravan without the constant worry about running out. The numbers will be clear, and so will your choices.

Speech Marks

We help professionals on the runway to retirement get absolute clarity about their aspirations, their numbers and their timeline.

Centaur Financial Advisers

Hugh Robertson, Nick Georgopoulos, Anthony Mirandilla

Book a Meeting

How we help professionals planning for retirement

Retirement Readiness Assessment

Retirement Readiness Assessment

We model your current super, investments, and other assets to show you exactly what retirement income you can generate and whether you’re on track for the lifestyle you want.

Superannuation

Super Contribution Strategies

Make the most of your final high-earning years. We show you how much extra you can put into super through salary sacrifice, personal contributions, or catch-up contributions and exactly how much tax you’ll save.

Investment Property Analysis

Investment Property Analysis

Work out whether your investment properties are actually helping or hurting your retirement plans. We look at the real numbers, including recent tax changes affecting investors, and help you decide: keep, sell, or restructure.

Transition to Retirement

Transition to Retirement Planning

If you want to wind down gradually, cutting back hours or trying something different before fully retiring, we show you how to do it without impacting your lifestyle.

Transition to Retirement

Tax-Effective Retirement Transition

Structure your move from working to retired to minimise tax along the way. This includes timing super withdrawals, managing capital gains, and setting up tax-free retirement income.

Centrelink

Age Pension and Entitlement Planning

Show you if you’ll qualify for the Age Pension or Seniors Health Care Card, when, and how this boosts your overall retirement income.

Estate Planning

Estate Planning and Beneficiary Review

Update your will, super beneficiaries, and powers of attorney so everything passes to the right people tax-effectively and your family isn’t left with a mess.

Pre-Retiree Professionals

FAQs from Pre-Retiree Professionals

According to the ASFA Retirement Standard singles need around $595,000 and couples need $690,000 in super savings at retirement aged 67 (2025 figures). But that’s just a benchmark- your actual number depends on whether you own your home, have other investments, and what lifestyle you want. We work backwards from your goals to show you your real target.

Salary sacrificing to super can be one of the smartest tax moves available, as super contributions are taxed at just 15% instead of your marginal tax rate. But it’s just one of several super strategies worth considering. Other options include personal deductible contributions, spouse contributions, catch-up (carry-forward) contributions, and government co-contributions. We assess your situation and calculate which combination of strategies will give you the biggest benefit.

Properties can leave you asset-rich but cash-poor in retirement – with rent, rates, maintenance, and tax headaches. Selling might free up capital for a stress-free retirement, but timing matters for capital gains tax. We analyse your specific property and situation to show you which makes more sense and to ensure you have the optimal structure to reduce tax liabilities going forward.

You can access your super once you reach your preservation age of 60 and retire. At age 65, you can access it regardless of retirement status.

The ATO sets annual contribution caps for super — both concessional (before-tax) and non-concessional (after-tax) contributions. But if you have unused cap room from previous years, you might be able to contribute significantly more using carry-forward rules. We calculate your exact limits and help you maximise contributions without penalties. You can find the current contribution caps on the ATO website.

This is called transition to retirement (TTR). If you’re over the preservation age of 60, you can access some super while still working — often while salary sacrificing your pay back into super. It’s a smart strategy that can boost your super and reduce tax at the same time.

Gold Coast Financial Advisers helping professionals prepare for and transition into retirement since 2009.

Book an Introductory Call