Enjoy your Freedom
Retirement is a major life transition—one that shifts the focus from growing your wealth to preserving it. At Hewison Private Wealth, we believe retirement planning is about more than just numbers; it’s about making your future aspirations a reality and understand that each individual will have their own pathway. Whether you want to travel the world, spend more time with loved ones, or pursue lifelong passions, our retirement planning services provide the freedom to live on your own terms.
Our Approach to Retirement Planning
We work closely with you to develop a personalised financial strategy that adapts to your changing needs. Our goal is to give you complete confidence in your financial future by ensuring your wealth is both protected and optimised. Many people approaching retirement wonder if they’ve accumulated enough to support their ideal lifestyle. We provide clarity and structure to help you assess your financial position and refine your wealth strategy to secure what comes next.
Understanding how much is “enough” for retirement involves financial and psychological considerations. From the start, we take the time to understand your vision and assess the resources needed to achieve it. This foundation allows us to create a dynamic financial plan that secures your future while remaining flexible as life evolves. Once we establish the right strategy for you, your private wealth adviser will continue to support and refine your plan to ensure your wealth continues to prosper and is protected.
Why Choose Hewison Private Wealth for Retirement Planning?
Retirement is not a finish line—it’s a phase of life that should be lived with freedom, security, and confidence. The foundation for that experience begins with a well-structured superannuation strategy, and the earlier it’s optimised, the greater the potential impact on your long-term financial wellbeing. At Hewison Private Wealth, we’ve spent over 40 years delivering truly independent retirement advice. Unlike many advisers bound by platform restrictions or product affiliations, our advice is entirely unrestricted—ensuring every recommendation serves your best interest, not ours.
We take a holistic, forward-thinking approach, integrating your superannuation planning with your broader financial goals. Whether you’re building wealth or approaching retirement, we make precise, considered adjustments that can significantly improve your outcomes over time—so you can retire on your terms.
Retirement Planning
Successful retirement planning is about more than just accumulating wealth—it’s about securing financial independence. Our bespoke retirement strategies ensure a seamless transition into retirement, with personalised advice designed to protect and grow your wealth. Our independent financial advisers assess all aspects of your finances, including superannuation, investments, and risk management, to develop a sustainable strategy that supports your desired lifestyle.
Managing Retirement Income
Retirement income management requires careful planning to balance stability and growth. We help structure your income streams to optimise cash flow while preserving your wealth for the long term. With nearly four decades of expertise, we create tax-efficient strategies that ensure you can maintain your lifestyle without financial stres
Retirement Investment Advice
A well-crafted investment strategy is crucial for securing financial independence in retirement. Our investment advisers design bespoke portfolios tailored to your unique goals and income requirements. Whether you prioritise capital preservation or growth, our strategic approach ensures your investments adapt to market conditions while remaining aligned with your long-term objectives.
Tax Advice & Minimisation
Efficient tax management is essential for maximising your retirement income. Our independent advisers collaborate with your tax professional to create a cohesive wealth strategy that reduces tax liabilities while securing a reliable income stream. From superannuation withdrawals to investment income management, we focus on optimising your financial position so you can enjoy retirement with confidence.
Contingency Planning
Retirement brings both opportunities and uncertainties. Our contingency planning services ensure you’re prepared for unexpected life changes, whether due to health concerns, market fluctuations, or evolving family dynamics. We help you establish emergency funds, insurance solutions, and wealth protection strategies to safeguard your financial security.
Estate Planning
A well-structured estate plan ensures your wealth is transferred according to your wishes. We work closely with you to develop a tax-efficient strategy for passing on your assets while protecting your family’s financial future. From wills and trusts to superannuation and property management, we provide guidance to preserve your legacy and ensure your estate is managed seamlessly.
Who we help
We understand the unique challenges and opportunities faced by affluent clients and provide the expertise to navigate them with confidence.
Our financial advisory services are tailored for:
- High-net-worth individuals & families looking to protect and grow their wealth.
- Business owners & entrepreneurs seeking integrated financial strategies.
- Pre-retirees & retirees looking for long-term security and estate planning.
- Executives & professionals requiring sophisticated investment and tax strategies.
What our customers say
Highly recommended. They are a very professional group that provide a tailored investment service and are by no means high pressure, sign here quick company. Gains did not happen overnight, but my SMSF is now ticking alone nicely and I can see the benefits of the strategy they recommended for me.
Rupy House
My husband and I have started our SMSF with Hewison this year. We are impressed with the professionalism and high quality services. Travis, in particular, is very approachable and always responds to our enquiries promptly and with great clarity.
Noriko Tremul
The staff and financial advisers have always operated very professionally and always have our interests forefront. But saying that they also treat us like extended family. So far all their advise has been reliable and profitable, with minimal risk which has been designed for us. We have no hesitation in recommending Hewisons to any of our friends and family, if they are interested in a SMSF or an investment advice.
Christine Gallagher
Common Questions
How much do I need to retire?
The amount you need to retire depends on your unique retirement goals. For some, retirement may mean gradually reducing work hours and enjoying income from part-time pursuits. For others, it’s about spending quality time with family, travelling the world, or fulfilling passions that were set aside in the pursuit of building a financial legacy. Whatever your vision for retirement, understanding the financial requirements to achieve it is the crucial first step.
The Association of Superannuation Funds of Australia (ASFA) have developed a Retirement Standard that shows for a comfortable retirement (as of June quarter 2024), singles would require a minimum income of $52,085 per annum and couples $73,337 per annum. For a modest retirement, singles would require a minimum of $33,134 and a couple would need $47,731 per annum. Both budgets assume that retirees own their home outright and are relatively healthy. As an example, if you had 25 years in retirement and need $40,000 per annum, you need $1 million dollars in your retirement. If you want $65,000 per annum, you need $1.625 million.
For more information, please feel free to refer to our full guide on how much you need to retire.
When can I access my superannuation?
You can access your super once you reach your preservation age (between 55 and 60) and meet a condition of release, such as retirement or turning 65. Early access is available in limited circumstances, such as financial hardship or medical conditions. Our advisers help you navigate these rules and optimise your withdrawals for long-term financial security.
How should I plan for retirement if I’m self-employed?
Planning for retirement as a self-employed professional requires a proactive, strategic approach to ensure your hard-earned success translates into lasting financial security. Without the safety net of employer superannuation contributions, it’s vital to take charge of your retirement planning early. The key lies in creating a strategy that is tailored to your unique circumstances and long-term objectives.
Begin by evaluating your current financial situation and defining a clear vision for the lifestyle you desire in retirement. From there, develop a comprehensive financial plan to address any gaps and ensure a smooth transition to the retirement you’ve envisioned. This might include maximising superannuation contributions, investing in tax-effective structures, and creating a tailored investment portfolio to ensure your money works as hard as you do.
Don’t overlook risk management — protecting your income and business assets is crucial to safeguarding your financial future. A professional financial planner and wealth management adviser brings clarity to these aspects of retirement planning, guiding you through wealth-building, succession planning, and preparing for unexpected challenges.
With the right plan in place and a dedicated private wealth advisor by your side, you can confidently transition from running your business to enjoying the retirement you’ve earned.
What factors should I consider when creating a retirement plan?
Everyone’s definition of a “comfortable” lifestyle is unique, but the questions below can help you clarify and calculate the superannuation needed to support your desired lifestyle in retirement:
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- Do you plan to travel and if so, what does travel look like to you? Domestic or international? Travelling economy or business class? 5-star hotels or something a little more modest?
- How do you envision spending your time? Will you be at home maintaining your garden and tackling DIY projects, or enjoying fine dining and attending events regularly?
- What are your current spending habits, and how might they evolve in retirement?
- What are the costs associated with maintaining your household?
Once your retirement lump sum goal is defined, our private wealth advisers will create a financial roadmap tailored to your unique needs. This plan will outline the steps you need to take during the remainder of your working life to ensure you achieve your ideal income needs inretirement.
Is a financial planner worth it when planning for retirement?
Yes. A professional adviser who specialises in helping you manage and grow your wealth during retirement in invaluable. It’s important that financial strategies are curated to align your investments, superannuation, and income streams with your retirement goals, ensuring your financial assets are preserved and work effectively for you, giving you the confidence to enjoy retirement without financial worry.
What are the benefits of working with a financial planner in retirement?
A financial planner provides peace of mind by ensuring your wealth is structured efficiently, adapting your plan to market changes, and managing investment risks. With expert guidance, you can focus on enjoying retirement, knowing your financial future is secure.