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. 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 for Retirement Planning?
A well-structured superannuation fund can significantly impact your long-term financial security. That’s why expert guidance is essential. Not all financial advisers have the independence to offer truly unrestricted advice—many are limited by an Approved Product List that restricts your options. At Hewison Private Wealth, we are proudly independent, providing tailored, unbiased retirement financial advice for 40 years.
Superannuation is a long-term asset that requires careful planning, and even small adjustments early on can greatly influence future outcomes. We take a holistic approach, aligning your superannuation strategy with your broader financial goals to ensure you get the most out of your wealth.
Our Retirement Planning Services
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 stress.
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, risk profile, 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.
What Our Clients Say
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We have entrusted our superannuation investment and planning for the past 25 years to Hewison Private Wealth. In all this time we have found them to be professional, knowledgeable, impartial and receptive to our goals. Their ability to forecast and present information in an easy to understand snap shot allows us to stay updated and confident. We would not hesitate to recommend them.
Tony Claringbold
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We have entrusted our superannuation investment and planning for the past 25 years to Hewison Private Wealth. In all this time we have found them to be professional, knowledgeable, impartial and receptive to our goals. Their ability to forecast and present information in an easy to understand snap shot allows us to stay updated and confident. We would not hesitate to recommend them.
Tony Claringbold
Headline
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We have entrusted our superannuation investment and planning for the past 25 years to Hewison Private Wealth. In all this time we have found them to be professional, knowledgeable, impartial and receptive to our goals. Their ability to forecast and present information in an easy to understand snap shot allows us to stay updated and confident. We would not hesitate to recommend them.
Tony Claringbold
Our Retirement Planning Team
Every Hewison Private Wealth adviser holds the highest industry qualifications, including Certified Financial Planner (CFP®) and Self-Managed Super Fund (SMSF) Specialist Adviser (SSA®) accreditations.
Where to Find Us
Our office is conveniently located on St Kilda Road, Melbourne, just minutes from the CBD, neatly nestled between Fawkner Park and Albert Park. Just 1.5km from the Royal Botanic Gardens and 3km from the Melbourne CBD, our office offers easy access for clients who live or work in Melbourne, and we offer virtual consultations for interstate and international clients.
When navigating to our office, you can opt to drive 10 minutes with limited on-site parking available. For those navigating via public transport, the 3, 5, 6, 16, and 67 tram routes will all bring you within a short walk of our office, taking no more than 15 minutes.
Frequently Asked Questions
How much do I need to retire?
our retirement savings need to align with your lifestyle goals. The Association of Superannuation Funds of Australia (ASFA) provides a guideline:
- Comfortable retirement (as of June 2024): $52,085 per year for singles, $73,337 for couples.
- Modest retirement: $33,134 for singles, $47,731 for couples.
For example, if you need $65,000 per year over 25 years, you’ll require approximately $1.625 million in retirement savings. We can help you determine the right figure for your specific needs.
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?
Without employer super contributions, self-employed individuals must take a proactive approach to retirement planning. This includes maximising super contributions, tax-effective investing, and structuring wealth for long-term security. A dedicated financial adviser can help develop a personalised strategy that ensures your hard-earned success translates into lasting financial independence.
What Factors Should I Consider When Creating a Retirement Plan?
Consider:
- Travel plans and associated costs.
- Expected lifestyle expenses.
- Home maintenance and living costs.
- Health and aged care considerations.
Our private wealth advisers work with you to define your retirement goals and create a tailored financial roadmap to achieve them.
Is a retirement investment adviser worth it?
Yes. A professional adviser provides expert guidance in managing superannuation, investments, and tax strategies, ensuring your wealth lasts. For high-net-worth individuals, an independent adviser offers unbiased, strategic insights that preserve and grow your financial position, giving you the confidence to enjoy retirement without financial stress.
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.
Start Planning for Your Ideal Retirement Today