Solace Financial is made up of expert professionals who have years of retirement planning experience in the Brisbane area. Working with our award-winning retirement planners (winners of Business Outcome Leader and Transformation of the Year (Individual) IFA Awards 2023), you’ll be accessing a wealth of knowledge to make this new journey as easy and enjoyable as possible.
At Solace Financial, we understand that retirement requires careful financial planning and personalised strategies to secure a comfortable future. We’re committed to helping you navigate this tumultuous transition into retirement, boosting your confidence and peace of mind.
To do this, we have a unique four-step approach to working with you:
First, we’ll have in-depth discussions to learn about your unique aspirations, lifestyle preferences, and financial goals. We need these insights to tailor our strategies to align with your retirement vision. Whether you’re travelling the world, supporting your family, or pursuing hobbies, we’ll have a much better understanding of how we can help you after these discussions.
Enquire NowOnce we’ve a better idea of how we can help you, we’ll draw upon our experience in retirement planning to create a customised strategy. This will lay out your financial resources and a clear plan of how we can achieve your desired lifestyle. During this step, we’ll create a comprehensive analysis of your financial decision, income sources, investment portfolios, risk tolerance, and estate planning needs.
To learn more about our retirement planning services, keep reading here.
Enquire NowWith a personalised strategy specifically tailored for you, it’s time to begin taking action. We’ll take the necessary steps so you can continue to build and preserve your wealth during retirement. This might involve optimising your investments, maximising existing retirement income streams, and minimising your tax liabilities.
Enquire NowWe’ll also conduct regular monitoring and reviews of your financial plan, staying proactive in identifying any necessary adjustments or opportunities for optimisation. Whether it’s revisiting initial allocations, updating estate plans, or adjust withdrawal strategies, we’ll ensure your financial plan remains aligned with your evolving needs and goals.
Enquire NowWe understand that everyone has different retirement goals, so we offer advice on various aspects of financial planning. Whether you want to understand superannuation more or need better cash flow management, we can assist you in creating a personalised strategy and solution that suits you.
Below we’ve listed our retirement planning solutions:
Superannuation can be a difficult and intricate process. We specialise in guiding our clients through this government-mandated savings scheme in Australia, designing a personalised strategy to maximise contributions, optimise your investment options, and minimise tax implications. Through your tailored strategy, we aim to offer you a secure financial future.
Enquire NowOur comprehensive services include investment strategy and advice, focusing on your personal objectives and risk tolerance. We ensure that you can proactively navigate market conditions and capitalise on any opportunities that come your way.
Enquire NowAs your trusted financial advisors, we can provide you with tailored tax planning solutions to minimise your tax liabilities while maximising your wealth. We’ll use a strategic analysis of your financial situation to identify possible deductions, credits, investment structures, and other options for tax efficiency.
Enquire NowWe’ll review your individual financial circumstances and objectives to develop tailored strategies that help you maintain a steady and sustainable income during retirement.
Enquire NowWhether it’s life, property, or liability coverage, the Solace Financial team will pinpoint potential risks and design customised insurance solutions to address them. This helps provide you with peace of mind and financial protection against unforeseen events.
Enquire NowWe also review any existing debts, tackle them directly, and develop strategies to ease financial pressure and improve your cash flow. This approach helps keep your retirement goals on track and boosts your confidence in achieving lasting financial security for the future.
Enquire NowWe’ll also guide you through the complexities of Centrelink services – from Age Pension to asset testing – making sure you receive your full entitlements and gain the financial support you’re entitled to in retirement.
Enquire NowWe’ll focus on your overall well-being by offering expert advice on healthcare and aged care, helping you understand your private health insurance options and exploring suitable aged care facilities and funding solutions.
Enquire NowTogether, we’ll clarify your retirement goals and develop solutions that align with your personal aspirations and preferred lifestyle. We’ll also manage your cash flow – balancing income, expenses, and investments – to help you maintain a stable and rewarding retirement.
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Transitioning from full-time work into retirement comes with a fresh set of challenges that you might not have considered. Fortunately, working with a licensed financial adviser can make the journey much more manageable and less overwhelming.
Below are some common issues retirees encounter – and how financial advice can help address them with confidence.
One of the biggest hurdles for many retirees is ensuring they have a consistent income to meet daily expenses. A financial adviser can assist by crafting smart withdrawal strategies from your superannuation, pension, and other savings, striking the right balance between providing income today and preserving your investments for the future.
Retirement often requires a careful approach to managing investments – one that aims to grow your nest egg while keeping risks low. A financial adviser can recommend a diversified mix of assets suited to your risk appetite and goals, helping you navigate market ups and downs and adjusting your strategy as your needs evolve.
Even in retirement, life can throw curveballs. Unplanned medical costs, family responsibilities, or sudden emergencies can disrupt your financial plans. A financial adviser will help you prepare for these surprises by setting up emergency reserves, reviewing insurance options, and assisting with estate planning, so you’re protected and your legacy is secure.
Retirement doesn’t mean a break from taxes. Withdrawals from super, investment earnings, and capital gains can all come with tax obligations. A financial adviser can implement smart, tax-effective strategies – like income splitting, timing asset sales, or using tax-deferred accounts – to reduce your tax burden and help you keep more of your money in retirement.
Get to know us so we can help you – our dedicated team of retirement planning specialists brings years of expertise to help you make informed, confident decisions about your financial future.
Principal / Financial Adviser
Masters of Financial Planning
Bachelor of Commerce
CFP®
P (07) 3106 3114 | F (07) 3106 3100
[email protected]
www.solacefinancial.com.au
Principal / Financial Adviser
Bachelor of Commerce
CFP®
P (07) 3106 3113 | F (07) 3106 3100
M 0418 155175
[email protected]
www.solacefinancial.com.au
Principal / Financial Adviser
Masters of Financial Planning
AFP®
P (07) 3106 3112 | F (07) 3106 3100
[email protected]
www.solacefinancial.com.au
Discover more about Giles
Financial Planner
Certified Financial Planner – CFP®
Master of Financial Planning – MFP
Chartered Tax Adviser – CTA
P (07) 3106 3106 | F (07) 3106 3100
[email protected]
www.solacefinancial.com.au
Discover more about Joel
Engaging with a financial adviser for retirement planning gives you expert guidance, personalised strategies, and peace of mind. We aim to ensure your finances support the lifestyle you want, both now and in the future. Here are some benefits to working with an adviser specialising in retirement planning:
Ready to get started with our award-winning team of financial advisors? Then contact us today to book a consultation or fill in our financial analysis form to give us a better idea of your potential retirement planning strategies. You can rest assured that you’ll get personalised retirement planning advice and the dream retirement you’ve been hoping and waiting for.
book a consultationt’s never too early to begin planning for your retirement, and the sooner you start, the more time you have to build a solid financial foundation! Planning early can also help you gain better investment flexibility, better long-term savings growth, and increased peace of mind as you approach your retirement years.
The amount you’ll need for retirement depends on a number of factors, such as your personal lifestyle, goals, and financial situation. As a general rule, though, it’s often recommended to aim for retirement income that replaces around 70-80% of your pre-retirement earnings each year. A financial adviser can help you tailor this figure to your specific needs and provide a clear plan of how to get there.
The most effective way to save for retirement is to begin as early as possible and make regular contributions to a retirement fund, like your superannuation. Partnering with a financial adviser can also help you explore diversified investment options and take full advantage of employer contributions to boost your retirement savings.
Building a well-diversified investment portfolio that balances stability with growth is a reliable way to help your retirement income last. It’s also important to review your strategy regularly, make adjustments when needed, and stick to a withdrawal plan that’s sustainable and flexible enough to handle inflation and unplanned costs.
A financial adviser helps retirees maximise their assets by creating tailored strategies for managing income, investments, and essential expenses. We can guide you through complex areas such as tax, superannuation, estate planning, and government entitlements to ensure your retirement remains financially secure and aligned with your goals.
The decision is up to you. While not everyone needs a financial adviser, many retirees find that professional advice brings peace of mind, better outcomes, and fewer financial surprises. An adviser can help make sense of changing income needs, tax rules, and entitlements, freeing you up to focus on enjoying retirement without second-guessing financial decisions.
Yes. Navigating Centrelink rules can be tricky, but a financial adviser understands how to structure your finances to help you qualify for the maximum benefits. From asset tests to income thresholds, we can walk you through the process and make sure nothing is left on the table.
Yes. A key part of retirement planning is converting your super into a steady income stream. A financial adviser will help you choose the right option – whether it’s an account-based pension, annuity, or combination – and make sure it’s set up tax-effectively and in line with your lifestyle needs.
Look for someone who is licensed, experienced in retirement planning, and understands the Australian superannuation and Centrelink systems. A good adviser will take the time to understand your goals, explain things clearly, and offer transparent, fee-based advice that puts your best interests first. Here at Solace Financial, we have plenty of testimonials from happy clients to help you discover why we’re an excellent choice.
Yes. Retirement comes with new tax considerations, and we can help you minimise your payments. This might include strategies like tax-free pension payments from super, income-splitting with a spouse, and using available offsets and deductions to maximise your after-tax income.
These are real concerns for many retirees. A financial adviser will build a plan that considers things like your spending habits and inflation over time. By diversifying investments and setting sustainable withdrawal rates, we can help your money go further without ever compromising your lifestyle.
We’ll let you know what we need from you for our first meeting, so don’t worry about getting everything prepared ‘just in case’ we need to see it. Every situation is different, but as a general rule, we’ll need to see documents that show your financial position, such as super statements, investment details, income sources, debts, and a rough monthly budget.
Take comfort in your financial future with Solace Financial