Most of our clients are within ten years of retirement, or already there. They come to us with questions about super, the Age Pension, and how to make their money last. The honest answer to most of those questions takes more than a ten-minute phone call, and it depends on numbers most people haven’t sat down with. Working through yours is what we do.
Does this sound like you?
You're close to retirement
You want to stop working in the next few years. You've saved reasonably well, but you're not sure if it's enough or how long it will need to last.
Your super stopped feeling like a number
It used to be a line on a statement. Now it has to cover groceries, travel, health, and whatever the grandkids need for the next thirty years.
Something has changed
A redundancy, an inheritance, a parent needing aged care, a divorce. You want someone to look at the bigger picture before you make a big decision.
Explore our services
Retirement Planning
Turn your super into income and make your savings last the next thirty years.
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Superannuation Advice
Review your fund, contributions, and investment options while they still matter.
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SMSF Strategy
Decide if an SMSF fits your balance and goals, plus ongoing compliance help.
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Age Pension Guidance
Structure things so you get what you're entitled to without tripping a rule.
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Insurance Advice
Life, TPD, and income protection so your family isn't left working out the numbers.
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Aged Care Planning
Navigate aged care fees, bonds, and entitlements for yourself or a parent.
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How we work together
Three steps. No pressure at any of them. If we're not the right fit, we'll tell you.
Goals Meeting
A free 20 minute conversation. We want to know what's going on, what's worrying you, and what you'd like the next few years to look like. No jargon, no pressure.
Fact-Find Meeting
We look properly at your super, income, assets, debts, and what you want the next decade to look like. This meeting is free too.
Strategy & Ongoing Review
We walk through what we think you should do and why. If you agree, we implement. Then we meet at least once a year to make sure the plan still fits as life changes.
Our fees
Your first meeting is free. If we agree to work together, most initial plans are a fixed fee set after we’ve looked at your situation. Ongoing work is an agreed flat fee, not a percentage of your super. No commissions on advice. No surprise invoices. We’ll tell you the number before you start, in writing.
Loan broking commissions, where they apply, are disclosed in your credit quote before you sign. We don’t accept volume bonuses from lenders.
Who we work with
Most of our clients are between 55 and 75. They come to us when their super balance stops feeling like a number and starts feeling like the next thirty years. Some have been burned by someone who sold them a product instead of advice. Some have never sat across from an adviser before. Retirement is what we do best.
Loan broking
We do loan broking alongside our financial advice, which means everything’s coordinated under one roof. Whether it’s a home loan, an investment property, equipment finance, or a vehicle loan, we look at how the borrowing fits into your bigger financial picture.
We don’t just find you a loan and send you on your way. We show you how it affects your long-term position and help you get it paid off faster.
Loan broking is provided under a separate Australian Credit Licence. Credit advice is distinct from financial advice and not covered by the AFSL shown in our footer.
Common questions
Q: How much does advice cost?
Your first meeting is free. If we agree to proceed, we quote a fixed fee for the initial plan based on complexity, and you see the number in writing before you commit. Ongoing engagements are an agreed flat annual fee.
Q: Are you independent?
No, and under Australian law we can’t call ourselves that. Great Advice is a Corporate Authorised Representative of Akumin Financial Planning Pty Ltd, AFSL 232706. What we can tell you is that we’re fee-based, we don’t accept commissions on investment advice, and our recommendations aren’t tied to a bank or institution’s product list.
Q: Will I still get the Age Pension?
Possibly. The Age Pension uses an income test and an assets test, and how you structure your super, investments, and home can move you between tiers. A lot of clients find they’re entitled to more than they thought, or they discover a structural change that preserves entitlement. We work through it in the second meeting.
Q: What happens if the market drops the year I retire?
It’s called sequence-of-returns risk and it’s one of the bigger risks early in retirement. The strategy usually involves a cash and defensive buffer so you don’t have to sell growth assets at a bad time, plus a review cadence so the plan adjusts as markets move.
Q: Do I need an SMSF?
Most people don’t. SMSFs make sense for some balances and some goals, and they’re the wrong answer for plenty of others. If you already have one we can help run it properly. If you’re considering one we’ll give you a straight answer, including the reasons it might not be worth the trouble.
Q: Is there a minimum super balance to work with you?
No hard minimum. What matters more is whether advice will change your position by more than it costs. We’ll tell you honestly in the first call if that’s unlikely.
Q: Do you see clients outside Logan?
Yes. Our office is in Springwood and most clients are from the Logan corridor, but we see clients across South East Queensland in person and nationally by video.
Q: What happens in the first meeting?
A 20 minute conversation. We ask what’s going on, what’s worrying you, and what you’d like the next few years to look like. You ask us anything you want. If we’re not the right fit, we’ll point you somewhere that is.
Ready to take the next step?
Book a free initial consultation. No obligation, no jargon, just an honest conversation about your financial future.
Great Advice Financial Advisers is a trading name of Aetos Wealth Advisors Pty Ltd, a Corporate Authorised Representative of Akumin Financial Planning Pty Ltd, AFSL 232706. The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Loan broking services are provided under a separate Australian Credit Licence.
