You’ve worked hard for your money — now make sure it works hard for you.
Our Melbourne-based pre-retirement planning service gives you the clarity, strategy, and confidence to retire on your terms.
Whether you want to travel, spend more time with family, or simply feel financially secure, the right plan today can mean a better lifestyle tomorrow.
Why Pre-Retirement Planning Is Crucial
Understanding the urgency of this stage of life
The lifestyle you enjoy in retirement depends on the decisions you make in the years before it. Acting now means more super, more options, and more confidence when you stop working.
With the right plan, you can:
- Maximise your super through strategic super contributions, employer contributions, and eligible tax offsets.
- Reduce tax by using salary sacrifice, spouse contributions, and other smart structures.
- Protect your wealth by shifting investments to match your risk tolerance and manage investment risk as retirement approaches.
- Plan for rising costs like healthcare, aged care, and everyday cost-of-living expenses.
- Optimise government benefits such as the Age Pension to supplement your income.
- Secure your legacy with estate planning that protects your family and assets.
Every year you delay could mean thousands of dollars lost in potential growth, tax savings, and benefits.
Our Melbourne-based advisers specialise in creating pre-retirement plans that lock in your financial security and give you clarity for the years ahead.
Key Challenges In Pre-Retirement Planning
Concerns for Melbourne residents approaching retirement age
The final decade before retirement is when your financial decisions matter most — and mistakes at this stage can cost you thousands.
Many Melbourne professionals face challenges such as:
- Staying within superannuation contribution caps, including non-concessional contributions and personal contributions, while maximising growth.
- Calculating exactly how much income and annual income you’ll need for your lifestyle, healthcare, and rising living costs.
- Structuring super for income in retirement without triggering avoidable tax.
- Adjusting investments to protect your wealth while still achieving growth.
- Managing debts and investment property income to enter retirement in a strong position.
Without a clear, personalised strategy, it’s easy to miss tax-saving opportunities, lose potential growth, or head into retirement with unnecessary financial stress.
Our Specialised Pre-Retirement Services
Tailored solutions for your personal circumstances
At Strategic Financial Solutions, we turn these challenges into opportunities. Our local specialists create tailored strategies designed to:
- Maximise your superannuation fund – using salary sacrifice, spouse contributions, and downsizer contributions while staying within cap limits.
- Reduce your tax burden – applying deductions and offsets to keep more of your retirement savings.
- Plan your retirement income – setting up account-based retirement pensions for a reliable income stream.
- Protect and grow your investments – building portfolios that match your goals and retirement timeline.
- Safeguard your legacy – creating an estate plan that protects your wealth and ensures your wishes are honoured.
We’ve helped Melbourne professionals for over 30 years secure comfortable, financially confident retirements — and we can do the same for you.
Why Choose Strategic Financial Solutions?
Melbourne’s Trusted Pre-Retirement Specialists
When it comes to pre-retirement planning, Strategic Financial Solutions has earned a reputation as Melbourne’s trusted partner. With over 30 years of expertise in retirement planning strategies, we have helped countless professionals achieve their financial goals and secure a fulfilling retirement.
Independent, Unbiased Advice
Our team of independent financial advisors operates without institutional conflicts, ensuring the advice you receive is unbiased and tailored to your personal circumstances.
30+ Years of Experience
We have helped countless professionals achieve their financial goals and secure a fulfilling retirement, drawing on over three decades of proven expertise.
Superannuation Expertise
We have a comprehensive understanding of superannuation regulations and how they impact your financial future. From optimising contributions to navigating government benefits, we simplify the process and help you make informed decisions.
Personalised Strategies
Our focus on delivering personalised strategies ensures that your retirement aligns with your goals for a comfortable lifestyle, including leisure activities and financial security.
Customised Approach
At Strategic Financial Solutions, we recognise that no two clients are the same. Whether you’re a high-net-worth individual with multiple income sources or planning for a modest retirement, our customised approach ensures your unique needs are met.
Proven Success
By addressing investment earnings, estate planning, and healthcare costs, we set you on the path to a secure and stress-free retirement. Our proven success lies in balancing short-term needs with long-term goals. We’re committed to helping you achieve the fulfilling retirement you deserve.
Secure Your Comfortable Retirement Today
Free Retirement Consultation To Optimise Your Future
The first step toward a comfortable retirement begins with a personalised consultation.
At Strategic Financial Solutions, we offer a free retirement consultation designed to provide you with a clear starting point. During this session, our financial advisors will assess your current financial situation, superannuation balance, and retirement goals to create a roadmap tailored to your needs.
Our consultation provides detailed information on key aspects of retirement planning, including income needs, contribution caps, and tax implications.
Whether you’re looking to maximise your super savings, create an estate plan, or explore investment options, our team will guide you through every step of the process. This initial meeting is your opportunity to gain professional advice and start building a financial plan for long-term success.
We also understand that planning for retirement can feel overwhelming, especially when it comes to navigating complex regulations and product disclosure statements.
That’s why our free consultation is designed to simplify the process and provide actionable insights. By addressing concerns like mortgage payments, aged care expenses, and pension income, we help you make informed decisions that align with your financial future.
Don’t let uncertainty hold you back from achieving your retirement goals.
Our free consultation is your chance to take control of your financial planning and ensure that your later years are as comfortable and fulfilling as possible.
With the guidance of our experienced advisors, you’ll be well-equipped to optimise your super account, manage living costs, and secure a steady income for a stress-free retirement.
Secure Your Comfortable Retirement Today
At Strategic Financial Solutions, we are dedicated to helping Melbourne professionals create a retirement strategy that meets their unique needs and aspirations.
Whether you’re planning for leisure activities, medical expenses, or long-term financial security, our expert advisors give you the tools, strategies, and confidence you need to succeed. With a focus on personalised financial plans, we help you navigate every stage of the pre-retirement process with confidence.
Take the first step toward a comfortable retirement by scheduling your free consultation today.
Let us help you achieve your retirement goals with professional advice, tailored strategies, and a commitment to your financial future.
Together, we’ll create a plan that ensures your later years are both financially secure and truly fulfilling.
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For expert retirement planning in Melbourne, fill out our contact form. Let us help you secure a dream retirement with personalised strategies tailored to your goals.
