Life stages
Retirement planning in Cronulla and the Shire
Retirement planning with Channel Wealth means knowing when you can stop work, how much income you will have, and where it will come from. Rory D’Agostino helps Cronulla and Sutherland Shire clients with super contributions, transition-to-retirement strategies, turning super into a retirement income, and planning for the Age Pension where it applies. Meet in Cronulla or by video.
Who it’s for
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You’re within 10–15 years of retiring and want to know if you’re on track
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You want to cut back to part-time without a drop in lifestyle
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You have super in several places and no clear plan for it
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You want a confident, purpose-filled retirement rather than a guess
Know when, and know how much
The two questions every client asks: when can I retire, and will the money last? Good retirement advice answers both with numbers, not reassurance. We map your super, investments and other assets against the lifestyle you want and show you what it takes to get there.
What we help with
- Getting on track. Contribution strategies in the years before retirement, including salary sacrifice and catch-up contributions where eligible.
- Consolidating super. Fewer funds, lower fees and a clear view of what you have.
- Transition to retirement. Reducing your hours, or boosting super, once you reach preservation age.
- Retirement income. Turning super into a regular, tax-effective income stream, and deciding how much to draw.
- The Age Pension. Whether you may qualify, and how your assets and income are assessed.
- Estate planning basics. Beneficiary nominations for your super, and working with your solicitor on the rest.
Advice that continues into retirement
Retirement is not a single day. Markets move, health changes, and plans for travel, family or downsizing evolve. We keep reviewing your income strategy with you, so your retirement stays on the terms you set.
- Step 01
A conversation
We chat through your goals, your current setup and whether we’re the right fit. No pressure, no pitch.
- Step 02
Your strategy
We gather the detail, model the options and agree the targets that will guide every decision.
- Step 03
Statement of Advice
Your recommendations in writing, with the costs, before anything is put in place.
- Step 04
Ongoing advice
Regular reviews as your income, family and goals change, so the plan keeps working.
My wife and I have been working with Rory for a number of years. We were making good money but felt we weren't getting ahead. He has been extremely helpful in helping us set up property investments, understanding our cash flow and putting our money to good use. We have seen a noticeable increase in assets and feel like we are making good progress longer term. Would highly recommend!
Related
Often part of the same plan
FAQs
Common questions
When should I start planning for retirement?
Ideally ten or more years out, because that is when contribution strategies make the biggest difference. But it is never too late to get clarity on what you have and how to turn it into income.
What is a transition-to-retirement strategy?
It lets you access part of your super as an income stream once you reach preservation age while you are still working. Used well, it can help you reduce your hours, or boost your super, without a drop in take-home pay.
Can you help with the Age Pension?
Yes. We look at whether you may be eligible for a part Age Pension, and how your assets and income are assessed, as part of your overall retirement income plan.
Let’s start with a conversation.
We’ll chat through your goals, your current setup and whether we’re the right fit. No pressure, no pitch.