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Retirement planning

Retirement Planning That Gives You Freedom, Choice, and Confidence

Whether retirement feels decades away, just around the corner, or you’re already living it — the decisions you make today will shape the lifestyle you enjoy tomorrow. Our goal is simple: to maximise your income, protect your assets, and give you the confidence that your retirement years will be secure and rewarding. We support you at every stage of life:

Far From Retirement (10+ Years Away)

  • If you’re in your 30s or 40s, retirement can feel like a lifetime away. It’s easy to prioritise travel, buying a home, or raising a family — but the earlier you start planning, the easier it is to build the lifestyle you want later. Studies show the Age Pension alone won’t be enough to fund a comfortable retirement, which makes smart planning today a powerful advantage.

  • How we help you now:

  • Review your current financial position and future goals.
  • Design tailored strategies to grow your super and investments.
  • Balance your short-term lifestyle needs with long-term planning.
  • Protect your family through insurance and estate planning (including wills).

Approaching Retirement (Within 10 Years)

  • Australians are living longer, with many spending a quarter of their lives in retirement. That’s why the years leading up to retirement are critical for setting yourself up for success. With the right strategies, you can step into retirement with confidence and peace of mind. How we help you now:

  • Calculate how much you’ll need and when you can afford to retire.
  • Create a plan to boost savings and investments in your final working years.
  • Review your income options and optimise your retirement cashflow.
  • Maximise Centrelink and superannuation benefits.
  • Ensure your insurance and estate planning are up to date.

Already Retired

  • If you’ve already retired, it doesn’t mean planning stops. Whether you’re easing out of work, managing your retirement income, or making the most of government entitlements, small adjustments can make a big difference to your financial security and lifestyle. How we support you in retirement:

  • Monitor and manage your income streams and investments.
  • Regularly review changes to government entitlements and rules.
  • Adjust strategies to keep your money working hard for you.
Let's Work Together!
No matter where you are on your retirement journey, the best time to take control is now. Book your retirement planning consultation today and start building the lifestyle you deserve.
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Disclaimer:General information can be found on this website. It does not consider the goals, resources, or requirements of any specific person. Before making any choices based on this information, you must take into account your needs and financial condition.
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Ascend Financial Group Pty Ltd (ABN 71 661 158 167) is a Corporate Authorised Representative (#1298930) of InterPrac Financial Planning Pty Ltd ABN 14076093680 AFSL 246638Suite 1, Level 20, 555 Collins Street, Melbourne, VIC 3000 The information contained on this website is general in nature and does not take into account personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it in regard to your objectives, financial situation and needs. In particular, you should seek appropriate financial advice and read relevant Product Disclosure Statements or other offer documents prior to acquiring any financial product.
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