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Financial Advisor for Retirement Planning in Australia
Retire With Confidence, Not Guesswork
Retirement is one of life’s biggest transitions emotionally and financially. Whether you're five years out or already easing into part-time work, the decisions you make now will shape your lifestyle for decades to come.
At Discover Financial Partners, we help you retire with clarity and confidence. Our expert advisors work with professionals, business owners, and early retirees to build tailored retirement strategies that preserve lifestyle, minimise tax, and support your legacy goals.
Why Retirement Planning Is More Than Just Super
Many Australians think retirement planning begins and ends with superannuation. While super is a powerful tool, it’s only one part of the puzzle. True retirement planning considers your income needs, tax position, lifestyle goals, and legacy wishes all working together to support your future.
Book Your Retirement Planning Consultation
Retirement should feel exciting not uncertain. Whether you're five years out or already transitioning, we're here to help you plan with clarity and confidence. Book a complimentary consultation with one of our retirement specialists. We’ll walk you through what’s possible and what’s next. Book below or call us on 03 9008 4660 to chat more.
According to the Australian Bureau of Statistics, the average age of retirement in Australia is 56.9 years, yet most people intend to retire at 65.4 years.
This gap highlights the importance of planning for unexpected changes and why relying solely on superannuation may not be enough.
The Emotional and Financial Stakes of Retirement
Retirement isn’t just a financial milestone it’s a major life transition. For many, it brings up questions about identity, purpose, and security. We understand the emotional weight of these decisions and provide expert guidance that’s both strategic and empathetic.
Common Questions We Help Answer
Our clients often come to us with questions like:
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“How much do I need to retire comfortably?”
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“Can I afford to retire early?”
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“What happens if the market drops?”
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“How do I make sure my money lasts?”
We answer these with clarity, modelling, and advice tailored to your unique situation.
Our Retirement Planning Services
We offer a comprehensive suite of retirement services designed to support you through every stage of the journey
The Discover Process
At Discover Financial Partners, we follow a proven four-step process designed to give you clarity, confidence, and control over your retirement.
Step 1
Discover
Understand What Matters Most
Your journey begins with a conversation not a sales pitch. Whether you’re referred to us or book directly, we start by getting to know you.
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You’ll receive a Pre-Consultation Pack including our Financial Services Guide, adviser profile, and a financial snapshot form or questionnaire to complete for us to get to know a bit more about you ahead of meeting us.
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In our initial 30-minute meeting, we review your goals, current position, and what retirement means to you.
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We collect any necessary documents (like ID or third-party authorities) and send you an Engagement Letter to confirm your interest in moving forward.
This step is about alignment: making sure we’re the right fit for your needs and values.
Step 2
Analyse
Build a Personalised Retirement Strategy
Once you’re ready to proceed, we dive deeper.
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You’ll complete a detailed “About You” questionnaire and risk profile.
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Your adviser uses this information to model retirement scenarios, test strategies, and prepare a tailored Statement of Advice (SOA).
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We present your plan in a clear, structured meeting, walking you through every recommendation and answering your questions.
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If you’re happy to proceed, you’ll sign an Authority to Proceed and a Client Services Agreement (CSA) for ongoing support.
This is where your retirement strategy takes shape - built around your lifestyle, tax position, and long-term goals.
Step 3
Implement
Put Your Plan Into Action
With your approval, we begin implementing your strategy.
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We coordinate with super funds, investment platforms, Centrelink, and other providers to set everything in motion.
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Our team handles the paperwork and administration, keeping you informed every step of the way.
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You’ll receive confirmation once each part of your plan is in place.
We make the complex simple so you can focus on life, not logistics.
Step 4
Review
Stay on Track, Year After Year
Retirement isn’t a one-time decision. It’s a journey and we’re with you for the long haul.
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Depending on your needs, we’ll meet regularly to track how your plan is going.
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Before each review, we prepare a full snapshot of your financial position, including updated fact finds, risk profiles, and performance summaries.
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We revisit your goals, adjust your strategy, and ensure everything remains aligned with your lifestyle and market conditions.
This ongoing partnership gives you peace of mind knowing your retirement is always in expert hands.
Tools We Use to Guide Your Retirement
While we don’t offer online calculators, our advisors use powerful tools during your consultations to help you make informed decisions:
Cash Flow Forecasting and Income Modelling – Understand how long your money will last and how much you can safely spend.
Scenario Planning for Early or Delayed Retirement – Explore early retirement, part-time transitions, or selling a business.
Tax Efficiency and Asset Allocation Insights – See the impact of different strategies before you commit.
Who We Help
At Discover Financial Partners, we work with individuals who are preparing for retirement, transitioning into it, or already enjoying it. Whether you're a professional in your 50s, a business owner planning your exit, or a couple looking to retire together, we help you make confident decisions about your financial future.
Professionals aged 50-65 preparing for retirement
Business owners planning their exit or succession
Early retirees seeking lifestyle preservation
Couples looking to retire together with confidence
What Our Clients Worry About And How We Help
“Will I run out of money?”
→ We model your income needs and stress-test your plan.
“Can I maintain my lifestyle?”
→ We align your spending with your goals and income streams.
“What happens if my circumstances change?”
→ We build flexibility into your plan and review it regularly.
“How do I leave a legacy for my family?”
→ We coordinate with estate planning professionals to protect your wealth.
“How can I minimise tax in retirement?”
→ We structure your super, pensions, and investments for tax efficiency.
Our Retirement Planning Clients Say
“I didn’t think early retirement was possible - now I’m living it.”
Mark, 58, Brighton
Retiring Early After Selling a Business
After selling his successful construction business, Mark wanted to retire early and enjoy the next chapter of life. But with no clear plan for how to turn the sale proceeds into sustainable income, he felt uncertain. We worked closely with Mark to:
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Structure the lump sum from the business sale into a tax-effective pension
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Model his income needs over a 30-year retirement horizon
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Allocate investments to balance growth and stability
With a clear roadmap and regular reviews built in, Mark was able to retire five years earlier than expected, confident that his lifestyle was secure.
Why Choose Us As Your Financial Advisor for Retirement Planning?
At Discover, we go beyond one-size-fits-all advice. Our boutique approach means you get:
Independent, Transparent Advice
We’re not tied to any financial institution, so our recommendations are always in your best interest.
Tailored Strategies
Every plan is built around your goals, risk appetite, and life stage.
Long-Term Partnership
We’re with you for the journey, adapting your strategy as life evolves.
Clarity and Confidence
We simplify the complex, so you can make informed decisions with ease.
Certified Expertise
Our team includes Certified Financial Planners (CFP®) and members of the Financial Planning Association (FPA), ensuring the highest standards of advice.
Local Expertise
Our team lives and works in Melbourne and the Gold Coast, giving us a deep understanding of the financial landscape and lifestyle goals unique to these communities.