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Obsidian Wealth Management

How we help

Retirement & Superannuation Planning

Plan how your super and other assets could support you when work changes or stops. We assess contributions, investment settings and retirement income options in the context of your circumstances.

Book a call

Free 15-minute call. Choose a time below.

Decisions we help you make

  • Should I put more into super or keep the money accessible?
  • Is my super invested appropriately for my age and timeframe?
  • When could I afford to retire, and what income could I expect?
  • Should I start a transition to retirement strategy while still working?
  • How should I draw an income from super and other assets once I stop working?

How we help

What the advice covers

Super is one of the main ways Australians fund retirement, but the choices involved can be complex. We help you decide how much to contribute, how your super is invested and how it will become an income.

  • Contributions. Concessional and non-concessional contributions, and how they fit within the caps.
  • Fund review. Investment options, fees, insurance inside super and whether to consolidate.
  • Investment settings. The balance between growth and defensive assets for your stage of life.
  • Transition to retirement. Whether drawing from super while still working suits your circumstances.
  • Retirement income. Setting up an account-based pension and planning how much to draw.
  • Nominations. Making sure death benefit nominations reflect your wishes.

How it fits your wider plan

Retirement planning brings together your super, investments outside super, debt, home and estate arrangements. We consider when you want to stop or reduce work, what income you will need and how your assets can provide it. Where tax or Centrelink rules are relevant, we explain how they affect the options and involve your accountant where needed.

Who it suits

  • Professionals and executives deciding how much to direct into super
  • Business owners planning retirement alongside a sale or change in involvement
  • Families balancing super with other goals
  • Retirees planning a sustainable income from their assets

What working together involves

Tav leads the research, strategy and advice. Our client service, administration and implementation team supports the work.

  1. Step 1: Introductory call

    Tell us what has prompted you to seek advice. We’ll discuss whether Obsidian can help and explain the next step.

  2. Step 2: Discovery

    We explore your goals and financial position in detail. Together, we establish the questions your advice needs to answer and agree the scope and fees before proceeding.

  3. Step 3: Strategy development

    Tav researches your options and develops the strategy. We consider the costs, risks and trade-offs, then document the recommendations for you.

  4. Step 4: Advice presentation

    We explain the recommendations, work through your questions and refine the plan where needed. You decide which actions to authorise.

  5. Step 5: Implementation and review

    Our team coordinates the approved changes and keeps you updated. If you choose ongoing advice, scheduled reviews help keep the plan relevant as your circumstances change.

Read about our approach

Common questions about retirement & superannuation planning

Can you review my existing super fund?

Yes. We review your fund’s investment options, fees, insurance and features. We explain whether staying, switching or consolidating may suit you, and why.

How much do I need to retire?

It depends on the lifestyle you want, your other assets and how long your money needs to last. We estimate your income needs and model how your super and investments could support them.

Can you help if I’m already retired?

Yes. We advise on drawing an income, investment settings in pension phase and how your assets fit with Age Pension eligibility and your estate plans.

Do contribution caps apply to me?

Yes. Everyone is subject to contribution caps, and the rules depend on your age, balance and past contributions. We check your position before recommending any contribution strategy.

Book a free 15-minute call

Choose a time that suits you. We’ll discuss your situation, whether we can help and what working together would involve.

Scope and fees are agreed before any advice work proceeds. Our Financial Services Guide explains our services and how we’re paid.

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