Retirement Planning
Retirement Planning
Preparing for retirement involves understanding your future income needs and how your financial resources can support them over time.
It is a process of bringing together your superannuation, investments, and Centrelink entitlements into a clear and sustainable strategy.
- Defining your retirement income needs
- Structuring your superannuation and investments
- Ongoing review as your circumstances evolve
A Clear Approach to Retirement Planning
- Unsure how much you need
- Worried about rising costs
- Confused about investments
- No clear roadmap
At Greybox Wealth, we provide structured retirement planning advice, bringing together your superannuation, investments, and income strategies to support your financial position over time.
Our Approach
How We Help You Plan Better
When planning for retirement, we consider your superannuation, including contribution opportunities, income streams, and investment allocation aligned to your tolerance to risk.
We also assess potential Centrelink entitlements and how they interact with your broader financial position.
Personalised Retirement Strategy
A retirement strategy developed around your objectives, financial position, and personal circumstances.
Goal-Based Planning
Defining your retirement goals and aligning your financial resources to support them over time.
Risk Management
Ensuring your investments are aligned to your tolerance to risk and appropriate for your stage of life.
Long-Term Support
Ongoing advice and regular reviews to ensure your strategy remains aligned as your circumstances and markets evolve.
Independent Advice
Advice provided within a self-licensed structure, allowing flexibility in approach and independence in decision-making.
Transparent Fees
A clear and straightforward fee structure, providing clarity around costs and the services you receive.
Our Proven Retirement Planning Process
01
Initial Discussion
We discuss your current financial position, retirement goals, and any key considerations to understand your situation.
02
Decision to Proceed
We outline the scope of advice and associated costs, allowing you to decide whether to proceed.
03
Developing Your Plan
We prepare a considered retirement strategy, taking into account your superannuation, investments, income needs, and broader financial position.
04
Presenting Your Plan
We present our recommendations, clearly explaining the strategy, key assumptions, and how it supports your retirement goals.
05
Implementing Your Plan
We assist with implementing the agreed strategy and provide ongoing support to ensure it remains appropriate over time.
Why Choose Greybox Wealth
- Regionally based in Bendigo
- 30+ Years Experience
- Integration across super, investments and Centrelink
- Consistent Outcomes
- Self-licensed Structure
- Ongoing Support
Meet Our Staff
Phillip Monaghan
Phillip’s extensive experience in the financial services industry covers 20 + years across various advising and management roles.
Phillip has spent the majority of his advising career working with clients transitioning into retirement and utilising superannuation and Centrelink to maximise his clients retirement outcomes.
Outside of work, Phil can be found at home looking after his horses and spending time with his wife and two daughters.
Marty Southcombe
Marty has worked in the financial services industry for the past 10 years, starting with the Commonwealth Bank and moving into various other roles within the superannuation industry and the private sector.
Marty has had broad exposure to the financial advice industry. From providing advice on protection needs, to helping clients transition to retirement, and managing wealth portfolios on an ongoing basis.
Marty enjoys spending time with his young family or down at his local – The Golden Square Hotel.
SUCCESS STORIES
Real Results for Real Clients
Pre-Retirement Planning
Couple retiring together
Before
A couple approaching age 65, planning to retire together but uncertain whether they could afford to stop work, how much income they would need, and how to manage their employment payouts.
Strategy
Structured superannuation contributions and income streams, considered Centrelink eligibility, and incorporated modest investments to support future goals, including provision for their grandchildren.
Result
Provided clarity around their retirement position, allowing them to transition into retirement with greater certainty, knowing their income needs were met and their plans for family support were achievable.
Retirement Planning
Staggered retirement couple
Before
A couple with one partner planning to retire within the next few years, while the other remained in the workforce, seeking clarity on their long-term position
Strategy
Structured investments to support future income, implemented tax-aware strategies while both were working, and modelled their retirement outcomes.
Result
Gave them faith that they were on track to retire as planned, with the flexibility to step back from work and spend extended time overseas
Retirement Optimisation
Single woman – lower super
Before
A single woman nearing retirement, renting and with a lower superannuation balance, concerned she may need to continue working indefinitely.
Strategy
Projected her retirement position, maximised Centrelink entitlements, and structured a combination of superannuation income and part-time work.
Result
Provided clarity and relief around her future, giving her confidence that a manageable and sustainable retirement was achievable.
TESTIMONIALS
What our clients say
Retirement Planning Essentials
- Start with a clear income plan
- Structure investments for income and stability
- Maximise your superannuation position
- Plan for longevity and unexpected costs
- Assess Age Pension eligibly
What We Offer
Our Related Financial Services
Wealth Management
A structured approach to managing your investments, aligned to your goals, timeframe, and overall financial position.
Retirement Planning
Bringing together your superannuation, investments, and income strategies to support a clear and sustainable retirement plan.
Superannuation Advice
Guidance on contributions, investment options, and fund structure to ensure your superannuation remains suitable over time.
Centrelink Financial Advice
Helping you understand your entitlements and how Centrelink integrates with your broader financial position.
Aged Care Financial Planning
Guidance on aged care costs, accommodation options, and financial considerations to ensure your arrangements remain aligned over time.
Frequently Asked Questions
When should I start planning for retirement?
Retirement planning can begin at any stage, but it becomes increasingly important as you approach your intended retirement age. Early planning allows more time to structure your finances, while later planning focuses on ensuring your existing resources can support your needs.
How much do I need to retire comfortably?
The amount required will depend on your desired lifestyle, expected expenses, and sources of income. A clear understanding of your goals and financial position can help determine an appropriate level of retirement income.
Can I retire if most of my wealth is in superannuation?
For many individuals, superannuation is the primary source of retirement savings. Whether it is sufficient will depend on the balance, how it is structured, and how income is drawn over time.
How does the Age Pension fit into my retirement plan?
The Age Pension can form part of your overall retirement income, depending on your eligibility. It is assessed based on your income, assets, and personal circumstances, and can supplement your other financial resources.
Will your financial advice be tailored to my personal situation?
Yes. Advice is based on your individual circumstances, including your financial position, goals, timeframe, and tolerance to risk. This ensures any recommendations are relevant and appropriate to your situation.
Our Blogs
The Biggest Risk in Retirement Isn’t Running Out of Money
Whenever people talk about retirement, the conversation almost always comes
What the Latest Superannuation Changes Mean for Your Retirement Strategy
The Federal Government has recently announced further changes to Australia’s
Superannuation Advice: What You Need to Know in 2026
For many people, superannuation is still something that gets pushed
Start Your Retirement Plan Today
Make a considered approach to your retirement, with guidance aligned to your circumstances and financial position.