Skip to content

Who we help | Retirees

Make your retirement income work for the life you want.

Plan how your super, investments and other assets can support your spending needs throughout retirement.

The questions we help you work through

Once regular pay stops, the questions change. How much can you spend each year, which assets should fund it and how do you keep enough available for the unexpected? We help you answer them with a plan built around your lifestyle, your timeframe and the people who matter to you.

  • How much can I spend each year without running down my savings too early?
  • Should I start an account-based pension, and how much should I draw from it?
  • Which assets should fund my spending first: super, investments or cash?
  • How do I keep enough available for health, home or family costs?
  • Could I be entitled to the Age Pension, and how do my decisions affect it?
  • Do my super nominations and estate arrangements reflect my wishes?

A retirement plan you can live with

A retired couple hold hands and laugh together under the trees in a park.

We start with the life you want in retirement and the spending it involves, then look at the super, investments, property and other assets available to support it. Tav develops the strategy, comparing income options, investment settings and the order in which assets are drawn on, and explains the trade-offs between spending now and keeping reserves for later.

Our team coordinates the agreed changes with super funds and other providers. Where estate planning or tax is involved, we work with your lawyer or accountant with your permission. If you choose ongoing advice, reviews give you a regular opportunity to adjust the plan as your needs and the rules change.

Read about our approach

What our clients say.

Reviews left by clients on Google, in their own words.

Google reviews

  • Martin BabawyPosted on Google

    “I’ve always been sceptical about financial advisers, but Tav proved me wrong. His process is clear, intentional, and focused on real solutions and the bigger picture. No product pushing or confusing numbers. Real practical advice that makes sense and I genuinely feel confident about the path ahead. I’m looking forward to working together for many years and would happily recommend Obsidian Wealth Management to anyone looking for genuine guidance!”

  • Anita MarlacciPosted on Google

    “Tav is an absolute pleasure to deal with. Genuine, knowledgeable and someone who clearly cares about helping his clients make the right decisions long term. Really appreciate the time, effort and attention to detail he puts into everything. Highly recommend Obsidian Wealth Management.”

  • Daniel O KeeffePosted on Google

    “As someone who works in real estate and spends every day helping people make significant financial decisions, I don’t give recommendations lightly. But after starting to work with Tav, I can confidently say that the experience has been exceptional. What immediately stood out was that Tav didn’t begin with numbers, products, or spreadsheets. He started with me as a person. He took the time to understand my goals, my lifestyle, what I value, and what I want my future to look like. The financial advice has never felt transactional; it has felt personal, strategic, and genuinely aligned with the life I’m trying to build. In an industry where it can be difficult to know who truly has your best interests at heart, Tav brings a refreshing level of authenticity, professionalism, and care. He has an incredible ability to simplify complex financial concepts while creating a clear pathway towards long-term wealth creation and security. Both personally and as a real estate professional, I can see the difference that quality financial guidance makes. If you’re looking for a financial adviser who genuinely cares about the person behind the portfolio, takes the time to understand your circumstances, and provides advice that is tailored to your future ambitions, then Tav and the team at Obsidian Wealth are simply in a league of their own. The journey is only just beginning, but I already have complete confidence that I’m in the right hands. I cannot recommend Tav and Obsidian Wealth highly enough.”

  • Naomi TappePosted on Google

    “Thaveesh and the team were extremely helpful in setting up an ethical investment option for my daughter. I was given plenty of information and opportunities to ask questions throughout the entire process.”

  • John KarouniPosted on Google

    “Tav is genuine, knowledgeable and truly cares about helping people make better financial decisions. I really appreciated his ability to simplify complex financial matters and provide clear, practical guidance. He assisted us with our retirement planning, superannuation and long-term wealth, and he really took the time to understand our goals to create a strategy that made a lot of sense. If you’re looking for a financial adviser who is approachable, professional and focused on helping you achieve financial confidence, I highly recommend Tav and Obsidian Wealth Management.”

  • Daniel CallejaPosted on Google

    “For me, it’s all about how easy it was to communicate with the team at Obsidian. Everything was clearly explained, and I always felt like I understood not just the advice, but the why behind it. The strategy wasn’t just focused on wealth creation.. it was holistic and tailored to my full financial picture, which made a real impact. Highly recommend for anyone looking for clear, strategic, and long-term financial guidance.”

  • Mark MPosted on Google

    “I’ve had a great experience dealing with Tav at Obsidian Wealth Management. What stands out most is that he genuinely has your best interests at heart and actually takes the time to understand your situation properly, rather than giving generic advice. He’s professional, easy to deal with, explains things clearly, and provides an outstanding level of service throughout the whole process. Highly recommend Tav and the team at Obsidian if you’re looking for someone you can trust.”

  • Disha HayesPosted on Google

    “Feedback for Thaveesh Palapathwala I’d like to extend my sincere appreciation for the retirement planning advice you recently provided. Thaveesh, your ability to break down complex financial considerations into clear, practical steps made the process both approachable and reassuring. Your professionalism, depth of knowledge, and thoughtful approach were evident throughout our discussions. I felt that you genuinely considered my long‑term goals and tailored your recommendations to ensure I can plan confidently for the future. Thank you for your efficiency, clarity, and warm guidance. Your support has been incredibly valuable, and I truly appreciate the care you put into helping me prepare for retirement.”

  • Harriet LamminPosted on Google

    “Thaveesh is an experienced advisor who is dedicated to providing his clients with a personalised approach to their wealth management. His attention to detail is next level and he is reliable and responsive to your needs. I can highly recommend working with him if you are looking for excellent advice and someone who will listen to your specific needs and tailor their approach for you.”

  • Ricky ZPosted on Google

    “Tav was excellent and highly recommend him as a financial advisor, he was very transparent, great communication throughout the process and highly recommend him to friends/ family.. He helped with my SMSF and on track with my future goals. Thank you once again 😊 Ricardo.”

  • Marie FaillaPosted on Google

    “What stands out about Obsidian Wealth is the way they view success through a wider lens. Tav approaches wealth as part of a complete life strategy, ensuring that decisions are aligned with overall goals and direction. It feels structured, intentional and deeply considered rather than reactive or transactional.”

  • Viv GPosted on Google

    “Thaveesh’s passion for the work he does was evident from our first meeting. His wealth of knowledge, professionalism, and willingness to answer even the smallest questions have given me confidence in his ability to set us up for success.”

These testimonials were left voluntarily by clients on Google. No client was compensated for a review, and a testimonial is not a guarantee of future results.

Common questions

Is it too late to get advice if I’ve already retired?

No. Advice can help at any point in retirement, including when you review how much you draw, how your investments are set up or how your arrangements will pass to family.

Can you help me turn my super into a retirement income?

Yes. We consider options such as account-based pensions, how much to draw and how your super fits with your other assets, then explain the recommendations before you decide.

Do you advise on the Age Pension?

Yes. We consider how your assets and income could affect any entitlement, as part of your wider retirement plan.

Can my family be involved?

Yes. With your permission, partners, adult children or other advisers can take part, so everyone understands the plan and your wishes.

What do you want your retirement to look like?

Tell us where you are and what you’d like your money to support. We’ll discuss whether Obsidian can help.

Book a call

Prefer to speak with us? Call 1300 029 071.