Retirement planning — a clear plan for income, confidence and the years ahead
We help pre-retirees and retirees across Melbourne and regional Victoria turn savings into a reliable retirement income — with smart super strategies, pension set-up, investment alignment and Centrelink guidance in plain English.
Local team with 350+ years’ combined experience. AFSL/ACL details in footer.
Who is this for?
- 5–10 years from retirement and wanting a clear pathway
- Ready to retire and need help structuring income and super
- Already retired and want to check you’re on track
- Couples planning together or navigating one partner retiring first
- Anyone unsure about pensions, Centrelink, fees or investment risk
What we help you solve
- “How much can we spend each year without running out?”
- “When should we access super — and how?”
- “What investment mix suits our goals and risk comfort now?”
- “What about tax, Centrelink and healthcare concessions?”
- “Should we downsize, keep working part-time, or phase retirement?”
What you’ll get with EJM
- Retirement income plan: Clear income targets with projections and stress-testing
- Super and pension strategy: Contributions (if applicable), transition-to-retirement, pension setup and drawdown approach
- Investment alignment: Diversified settings matched to your time horizon and risk comfort
- Centrelink guidance: Eligibility, applications and ongoing considerations
- Tax-aware structuring: Optimise the way income is received where appropriate
- Insurance review: Ensure protection remains appropriate (or adjust)
- Ongoing reviews: Regular check-ins to keep your plan on track
5–10 years from retirement
- Focus on boosting super efficiently
- Set realistic spending targets and savings milestones
- Align investments to your retirement timeframe
- Consider transition-to-retirement strategies (if suitable)
Newly retired or already retired
- Set up pensions and drawdown settings
- Structure cash reserves and investment buckets for smoother income
- Review Centrelink and entitlements
- Adjust risk and fees sensibly over time
How we work together
You’ll always understand the “why” and “how” before making decisions.
Step 1 - Complementary Intro Call
A no-cost, no-obligation chat to understand your goals and questions.
Step 2 - Strategy & Plan
We gather the right information and deliver tailored, plain-English advice with clear steps.
Step 3 - Implement & Review
We help you take action and review regularly to keep everything on track.
Our approach to retirement planning
Goals first:
Your lifestyle and priorities drive the plan
Clarity over complexity:
Plain English explanations and next steps
Diversification and discipline:
Sensible, evidence-based investing
Cost-aware:
Keep fees and admin in focus
Ongoing partnership:
Life changes — your plan adapts
Trusted by clients across Melbourne and regional Victoria
What our advice is — and isn’t
What it is
Tailored advice on super, pensions, investments, Centrelink and income planning — provided after we understand your objectives, financial situation and needs.
What it isn't
Promises of specific investment performance or “guaranteed” income; we focus on good decisions and long-term confidence.
Information on this page is general in nature. Personal advice is provided only after we assess your situation.
Super & SMSF FAQs
Only if it’s in your best interests after we understand your situation. We explain the “why” clearly before any recommendation.
Ready to plan your retirement with confidence?
Book your complimentary intro call now. No obligation — just a clear next step. Booking takes about 60 seconds. We’ll be in touch within 1 business day.
Prefer another way? Contact Us