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Tailored Investment Strategies for Retirement and Beyond
At Discover Financial Partners, we offer tailored investment strategies designed to help you achieve your financial goals; whether you're planning for retirement, growing your wealth, or diversifying your portfolio. Our expert advisers stay ahead of the curve, combining deep financial knowledge with a proven process that simplifies decision-making and delivers results.
We’re not just here for today we’re your trusted partner for the long term, adapting your strategy as life evolves. Every investment plan we create is part of a broader financial roadmap, designed to guide you confidently toward your goals.
Book a Consultation: Start Your Investment Journey Today
Ready to take control of your financial future? Book a consultation with one of our expert advisers and discover what’s possible. Book a complimentary consultation with one of our investment 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.
Achieve Your Financial Goals with a Personalised Investment Plan
We believe investing should be purposeful and personal. Whether you're a business owner, a professional family, or approaching retirement, our strategies are built around who you are and where you want to go.
Why Strategic Investing Matters at Every Life Stage
Your financial goals evolve and your investment strategy should too. We help you navigate complexity, adjust to life changes, and stay focused on outcomes that matter to you, from lifestyle preservation to legacy planning. Long-term investing allows your portfolio to benefit from compounding returns and weather short-term market fluctuations building sustainable wealth over time
Step 1
Discover Your Financial Goals
We begin by understanding who you are and what you want to achieve.
Short-Term vs Long-Term Goals:
Through our Discover process, we take the time to understand your immediate priorities and long-term aspirations. Whether it’s buying a property, funding education, or retiring early, we build a strategy that reflects your life.
Lifestyle and Retirement Aspirations:
our lifestyle and values shape your financial decisions. We ensure your investments support the life you want to live now and in the future.
Risk Tolerance and Timeline:
We help you define your comfort with risk and match it with a timeline that suits your financial horizon. As your confidence grows, your strategy evolves with you.
Step 2
Build Your Investment Strategy
Once we understand your goals, we design a strategy that balances growth, security, and flexibility.
Portfolio Structure:
Whether you prefer a conservative approach or are ready to pursue growth, we tailor your structure to meet your goals. We focus on quality, not hype, avoiding trend-driven investments in favour of steady performers with long-term potential.
Asset Allocation:
We tailor your mix of growth and defensive assets based on your goals, risk tolerance, and time horizon. As you approach retirement, your asset allocation should gradually shift to reflect your changing needs. For example, someone aged 55–64 might benefit from a balanced portfolio: typically a 50/50 split between growth and defensive assets. A well-structured portfolio might include Australian shares, international equities, fixed interest, property, and cash. The right mix helps manage risk while supporting your lifestyle and long-term financial goals.
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Diversification:
We spread investments across sectors, geographies, and asset types to reduce risk and enhance resilience because no single market performs consistently.
Avoiding Trends:
We focus on quality, not hype avoiding trend-driven investments in favour of long-term performers.
Strategy Type
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Step 3
Plan for Retirement with Confidence
Retirement is a milestone, not a finish line. We help you invest for income, capital preservation, and lifestyle continuity.
Key Principles:
Retirement investing is about creating income and adapting to change. Investing for retirement isn’t just about saving it’s about creating income, preserving capital, and adapting to change. We guide you through strategies that support your lifestyle and financial independence. We often use a 'bucket strategy' to structure retirement portfolios, allocating short-term income needs to cash, medium-term to bonds, and long-term growth to equities. This helps clients ride out market volatility while maintaining lifestyle continuity.
Transition to Retirement:
We guide you through pension strategies, super planning, and income modelling.
Income Streams:
Account-based pensions offer flexibility and tax efficiency. We also explore annuities, investment income, and drawdown strategies tailored to your lifestyle and longevity goals. We assess dividend strategies including franked and unfranked options to optimise income and tax outcomes in retirement.
Step 4
Explore Broader Investment Options
We help you build wealth beyond superannuation with a diverse range of investment vehicles.
Wealth Creation Strategies:
From managed funds to direct shares, we help you build wealth outside of super with tax-effective, growth-oriented strategies.
Managed Investment Schemes:
We assess the right mix of traditional and alternative investments to suit your goals and risk profile always with your best interests in mind. This may include direct shares, property, and professionally managed investment schemes such as Listed Investment Companies (LICs), Exchange-Traded Funds (ETFs), and property trusts. These options offer diversification, transparency, and access to expert management.
SMSF Strategies:
For those seeking control, we provide expert guidance on SMSF portfolio construction and compliance.
Step 5
Optimise with Tax-Effective Strategies
Smart tax planning enhances your returns and protects your wealth.
Super Contributions:
Maximise your retirement savings with concessional and non-concessional contributions, salary sacrifice, and strategic timing.
Recontribution & Downsizer Strategies:
Boost your super and reduce tax especially useful for retirees.
Spouse Contributions & Offsets:
We could help you take advantage of spouse contribution strategies to optimise family wealth and reduce tax liabilities.
Step 6
Manage Risk and Stay on Track
Markets change. So do your goals. We help clients implement flexible withdrawal strategies adjusting income based on market performance to preserve capital and maintain lifestyle.
Market Volatility:
Markets fluctuate but your strategy shouldn’t. We help you stay disciplined through market cycles, avoiding reactive decisions and sticking to a strategy aligned with your long-term goals.
Legal & Regulatory Compliance:
Especially for SMSFs, we ensure your investments meet legal and regulatory standards, protecting your wealth and peace of mind.
Portfolio Reviews:
Your plan isn’t static. We review and adjust regularly to keep your investments aligned with your evolving goals and life changes.
According to the ASX Australian Investor Study, 51% of Australian adults, around 10.7 million people, currently hold investments outside of their superannuation
This highlights a growing appetite among Australians to take control of their financial future, making tailored investment strategies more relevant than ever for building wealth beyond retirement savings.
Investment Strategy in Action
From Wealth Building to Retirement Security
Dominic, a Senior Executive Planning a Smooth Retirement
“I’ve worked hard to build my super, but I didn’t know how to turn it into a plan. Now I have a strategy that works for me and for the life I want to lead. I’m finally planning that sailing trip around the world.”
Dominic, 58, had spent over three decades in senior leadership roles and had accumulated a substantial superannuation balance. With retirement on the horizon, he wanted to ensure his investments were structured to provide reliable income, minimise tax, and support his lifestyle well into his 80s and beyond.
We reviewed his existing super and personal investments, then restructured his portfolio to include a mix of growth and income-generating assets. We implemented a transition-to-retirement strategy, introduced account-based pensions, and used financial modelling to forecast income and longevity. Dominic now has a clear, tax-effective plan that gives him confidence and flexibility as he approaches retirement.
Partnering with Expert Advisors
Collaborating with Accountants, Lawyers, and Other Professionals
We work seamlessly with your existing advisers or recommend trusted professionals to ensure holistic financial outcomes. We are happy to work within an established team you may have created or equally can suggest professionals to enhance your financial and investment plan.
