Pre-retirement & retirement planning specialists
Retirement and superannuation advice for people across south east Queensland, built around the life you actually want next.
What brings people to us
Work out when you can stop working, how much you'll need to live well, and how to make the money last.
See retirement planning →Drawdown strategy, Age Pension income and assets tests, and income that keeps pace with spending.
See Age Pension guidance →Aged-care costs, means-tested fees, and the family home decision without the stress of working it out alone.
See aged care planning →Contribution strategy, fund consolidation, and making the biggest retirement asset you'll own work harder.
See super advice →Common advice questions
These pages cover the decisions people usually need to sort out before they book a meeting with a financial adviser.
Model when you can retire, how income will work, and what needs to change before work stops.
Read more →Check contribution, pension-phase, tax and investment decisions around your super.
Read more →Understand income tests, asset tests, deeming, Work Bonus rules and timing decisions.
Read more →Read how advice fees are usually structured before deciding what level of advice fits.
Read more →Compare qualifications, licensing, advice scope, fees, service model and fit.
Read more →Confirm office location, local service fit, contact details and next steps.
Read more →Insights
Plain-English writing on retirement, super, Age Pension, and aged care. Written by me, updated when the rules change.
Where the Age Pension sits after March 2026 indexation. Rates, deeming rate freeze, and Support at Home.
Vet any Brisbane financial adviser in ten minutes. Four checks: ASIC Register, qualifications, AFSL, and fee disclosure.
An honest breakdown of what advice costs in 2026. Fee structures, real price ranges, and what's included.
5.0 stars on Google from 58+ five-star reviews. We've been helping families across Brisbane's south side plan for retirement for over 16 years. We know our clients by name, that's the whole point of being a small practice.
Three things you can check before you pick an adviser.
Google rating
58+ verified reviews, every one unedited on our Google Business Profile.
Read them on GoogleAwards
Listed every year since 2016. A 50-point external review, not a pay-to-appear list.
See the listingFees
No commissions. Every cost and referral disclosed on the first page of your advice.
How we're paidReviews
Five-star Google reviews from clients across Brisbane's south side. Every word posted publicly, not curated by us.
Google rating
5.0
From 58 verified Google reviews
All five-star
58 of 58
Reviews left in the past three years
Posted on
Google Business
Publicly verifiable, not edited by us
Meet your adviser
“I’ve been doing this since 2009. The work I’m best at sits in the decade before retirement, the choices that shape what your life looks like after work.”
“I’m fee-based, so I’m paid by you, not by the products I recommend.”
“If advice doesn’t add value for your situation, I’ll tell you that.”
How we work
The first two are free, so you can decide whether we're the right fit before any money changes hands.
A quick conversation about where you are and what you want to achieve.
We map your goals, current position, and the gaps. Still no charge.
A specific strategy with projections, recommended actions, and a fee you agree before we start.
We check in every year and adjust for changes in your life, the rules, and the markets.
The first two steps are free, no commitment. You're never on the hook until the written plan is on the table.
The question we get most weeks
You’re already ahead of most people. Barefoot gets you organised. The next stage is personal, because these turn on your own numbers, not a general rule.
George Iacovou, Principal Adviser
Case snapshots
Case
01
Pre-retirement
Situation
Couple in their early 60s, both still working, unsure if they could afford to retire.
Action
Mapped their super, existing assets and spending needs. Built a scenario for retirement at 62 and another for retirement at 65.
Outcome
They had a clear picture of both options and chose the timing that fit their life, not their fear.
Case
02
SMSF decision
Situation
Sole trader with super spread across four funds, curious about setting up an SMSF.
Action
Compared SMSF costs and responsibilities against consolidating into one industry fund.
Outcome
We consolidated into one fund. An SMSF wasn't the right tool for what they needed.
Case
03
Age Pension
Situation
Retired client already drawing an account-based pension, worried about Age Pension eligibility.
Action
Reviewed income and assets tests and restructured some asset holdings within what the rules allow.
Outcome
Qualified for a part Age Pension that hadn't been accessible before.
Composite scenarios. Specific figures and identifying details withheld. General information only. Your situation will be different, and past outcomes are not a guide to future results.
Live Google reviews
All 58+ public reviews, live from our Google Business Profile. Nothing filtered, nothing cherry picked.
Common questions
The questions people ask first. If yours isn't here, the first meeting is the right place for it.
Book a first meetingThe first call is free, and so is the first meeting after it. If we go ahead, a written Statement of Advice is typically $3,300 to $6,600 depending on complexity. Ongoing advice, if you need it, runs from $1,650 a year. Every fee is quoted in writing before you commit.
Fair question. If your situation is simple (one super fund, home paid off, clear timeline), a good book and a calculator will probably get you most of the way. Where I earn the fee is when the decisions get specific: contribution strategy close to your caps, how super and Age Pension interact after you stop working, tax and insurance choices that depend on your actual numbers. The first meeting helps us work out which category you're in before you commit to advice.
An hour in my Springwood office or on Zoom. I ask questions about what you're trying to solve, what you've already done, and what's worrying you. I tell you whether advice is likely to help, how much it would cost if we went ahead, and what the process looks like. If I don't think advice adds value for your situation, I'll tell you that too.
The honest answer is probably yesterday. The advice that saves you the most money tends to be in the five to ten years before you retire, so the earlier we can look at your super, contributions, and income plan, the more moves we have. It's never too late to get a second opinion on what you've built.
I'm an Authorised Representative of Akumin Financial Planning Pty Ltd (AFSL 232706). Akumin is my licensee, which means they hold the Australian Financial Services Licence under which I give advice, and they audit the advice I write. Because I operate under another AFSL, Australian law restricts certain labels. I am fee-based, and I'll walk you through exactly how that works in our first meeting.
Most people don't need one until the decisions get big enough to hurt if they're wrong. That usually means you're within ten years of retirement, you've got enough super to be worth protecting, or you're facing a one-off move like redundancy or an inheritance that'll have permanent consequences.
Commission-based means the adviser gets paid by whichever product company they recommend. Fee-based means you pay me directly, so the recommendation doesn't change based on who's paying a kickback. You see exactly what it costs, and my recommendation stays focused on what works for you.
Fees
Straight numbers up front. No commissions, no trailing surprises. You know what you'll pay before you commit.
Statement of Advice
From $3,500
A written plan, quoted in dollars before you commit. Typical range $3,500–$6,500.
First meeting
Always free
A no-obligation chat to work out whether advice makes sense for your situation.
How I'm paid
Fee-based
Paid by you, not by product commissions. Authorised Rep of Akumin (AFSL 232706).
General information only. Actual fees depend on your individual needs and are quoted in writing before you commit.
Advice services
Have I got enough to retire? Should I consolidate my super? Am I eligible for the Age Pension? What about aged care for Mum and Dad? These are the conversations I have every week.
When to stop, what you'll need, how it lasts.
Contribution strategy and fund consolidation.
Whether running your own fund fits.
Life, TPD, income protection, trauma.
Portfolios and tax-effective structures.
Eligibility, asset tests, optimisation.
Means-tested fees, family home decisions.
The questions clients ask most often.
Tell us in a quick message and we'll reply.
Local
Local office, free parking, easy meetings in person or on Zoom. Most clients are within fifteen minutes across Logan and the south side. Kettle's always on.
Shop 1, 50 Chatswood Road, Springwood QLD 4127
Most clients come from
Awards
Three Best Rated Logan, ten years running since 2016. A 50-point external review, not a pay-to-appear list. National ANZ-OnePath Highest Writer award 2016. AMP Blue Awards for advice quality, 2017 and 2018.
One next step
The first meeting is free. We'll work out whether advice makes sense for your situation, and tell you if it doesn't.
