Retirement Planning and Income Advice

As people approach retirement, some of the most common concerns they face include:

• Will I have enough money when I retire?

• When can I access my superannuation?

• What are the Age Pension and Service Pension, and am I eligible?

• How will I generate an income in retirement?

• What are account-based pensions and annuities?

Our role is to help ease these concerns by providing clear, practical advice tailored to each client’s needs. We work with clients to invest their funds in a way they are comfortable with, while aiming for sustainable long-term growth. This approach helps build confidence and provides genuine peace of mind about the future.

Many clients worry they may not have enough capital to support a comfortable retirement or enjoy the lifestyle they envision. Our focus is to remove that uncertainty by structuring investments to support the desired standard of living, using flexible and tax-effective strategies, and incorporating available government support systems where appropriate.

Great financial advice has the power to shape your future. When accessed early—particularly in the years leading up to retirement—it can create lasting clarity, confidence, and security, while adding value at every stage of life. Taking the first step is simple, supportive, and designed to help you move forward with confidence.

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Retirement Income Fact Sheet

Transition to Retirement

Salt and Stone Financial Planning Pty Ltd ABN 55 693 360 413, trading as Salt and Stone Financial Planning is an authorised representative of GPS Wealth Limited ABN 17 005 482 726 holder of Australian financial services license number 254544 (“GPS”). GPS is owned by Count Limited ABN 111 26 990 832 of GPO Box 1453, Sydney NSW 2001. Count Limited is listed on the Australian Stock Exchange. The Information on this web page is not financial product advice and is provided for information only.