--- title: Retirement Planning Advice description: Retirement Financial Planning and Major Financial Transition Advisory Firm located on the Northern Beaches, Sydney. image: https://www.strategyfirst.com.au/hubfs/Benefits%20of%20Partnering%20with%20Us.jpg --- - 02 9091 0080 - contact@strategyfirst.com.au - - [![lzsk3cui](https://www.strategyfirst.com.au/hs-fs/hubfs/lzsk3cui.png?width=400&height=104&name=lzsk3cui.png "lzsk3cui")](https://www.strategyfirst.com.au/?hsLang=en) - About us - [Who we are](https://www.strategyfirst.com.au/our-values-0) - [Meet the team](https://www.strategyfirst.com.au/en-au/meet-the-team) - [Why partner with Strategy First](https://www.strategyfirst.com.au/partering-with-us) - [Client testimonials](https://www.strategyfirst.com.au/testimonials) - [Investment commitee](https://www.strategyfirst.com.au/investment-commitee) - Information - [Who we can help](https://www.strategyfirst.com.au/who-we-can-help) - [Our services](https://www.strategyfirst.com.au/how-we-can-help) - [Packages & pricing](https://www.strategyfirst.com.au/service-offerings) - [Financial planning process](https://www.strategyfirst.com.au/process) - [Our community](https://www.strategyfirst.com.au/our-community) - [Learn more](https://www.strategyfirst.com.au/information) - [FAQs](https://www.strategyfirst.com.au/faqs) - [Retirement Planning](https://www.strategyfirst.com.au/retirement-planning-advice) - [Aged Care](https://www.strategyfirst.com.au/aged-care-strategy-first) - [Blog](https://www.strategyfirst.com.au/blog) [Contact Us](https://www.strategyfirst.com.au/contact-page?hsLang=en) [![Strategy First](https://www.strategyfirst.com.au/hs-fs/hubfs/INDEPENDENT%20FINANCIAL%20ADVICE-3.png?width=150&height=56&name=INDEPENDENT%20FINANCIAL%20ADVICE-3.png "Strategy First")](https://www.strategyfirst.com.au/?hsLang=en) [Contact Us](https://www.strategyfirst.com.au/contact-page?hsLang=en) - About us - [Who we are](https://www.strategyfirst.com.au/our-values-0) - [Meet the team](https://www.strategyfirst.com.au/en-au/meet-the-team) - [Why partner with Strategy First](https://www.strategyfirst.com.au/partering-with-us) - [Client testimonials](https://www.strategyfirst.com.au/testimonials) - [Investment commitee](https://www.strategyfirst.com.au/investment-commitee) - Information - [Who we can help](https://www.strategyfirst.com.au/who-we-can-help) - [Our services](https://www.strategyfirst.com.au/how-we-can-help) - [Packages & pricing](https://www.strategyfirst.com.au/service-offerings) - [Financial planning process](https://www.strategyfirst.com.au/process) - [Our community](https://www.strategyfirst.com.au/our-community) - [Learn more](https://www.strategyfirst.com.au/information) - [FAQs](https://www.strategyfirst.com.au/faqs) - [Retirement Planning](https://www.strategyfirst.com.au/retirement-planning-advice) - [Aged Care](https://www.strategyfirst.com.au/aged-care-strategy-first) - [Blog](https://www.strategyfirst.com.au/blog) [Contact Us](https://www.strategyfirst.com.au/contact-page?hsLang=en) # Retirement Financial Advice **For a confident financial future** [Book a free Retirement Planning consultation](https://share-ap1.hsforms.com/1sbpziKiESR-2RSevzL-Afw3lsqd) ## **Retirement Planning Advice for a Confident Financial Future** Retirement should give you more freedom, not more financial uncertainty. We help Australians approaching or entering retirement understand: - Whether they're financially ready - When they can retire - How much they need - How to create a sustainable income from their super and investments ![Drinking coffee at door vertical - Copy-1](https://www.strategyfirst.com.au/hs-fs/hubfs/Drinking%20coffee%20at%20door%20vertical%20-%20Copy-1.jpg?width=370&height=496&name=Drinking%20coffee%20at%20door%20vertical%20-%20Copy-1.jpg "Drinking coffee at door vertical - Copy-1") ## ***Are you asking yourself questions like...*** ***“Can I afford to retire?”*** Understand how much you need and whether your current assets and income are enough to support the retirement you want. ***“When should I retire?”*** Compare different retirement dates and understand the financial implications of continuing to work or retiring sooner. ***“Will my super last?”*** Create an income strategy designed to provide sustainable income while managing investment and sequencing risks. ***“What should I do with my super and investments?”*** Determine how your assets should be structured and invested as you move from accumulating wealth to using it. ***“How do I make the most of retirement?”*** Build a financial strategy around your lifestyle goals — not simply around investment returns. [Book a Free Retirement Planning Consultation](https://share-ap1.hsforms.com/1sbpziKiESR-2RSevzL-Afw3lsqd) #### Independent advice Fee-for-service  No commissions ## **Navigation** [Who this service is for](https://www.strategyfirst.com.au/retirement-planning-advice#who-this-service-is-for) [Typical stage of life](https://www.strategyfirst.com.au/retirement-planning-advice#typical-stage-of-life) [What you receive](https://www.strategyfirst.com.au/retirement-planning-advice#what-you-receive) [How we help you plan for retirement](https://www.strategyfirst.com.au/retirement-planning-advice#how-we-help-you-plan-for-retirement) [Why choose an independent retirement adviser?](https://www.strategyfirst.com.au/retirement-planning-advice#why-chose-an-independent-retirement-adviser) [Cost](https://www.strategyfirst.com.au/retirement-planning-advice#cost) [Our financial planning process](https://www.strategyfirst.com.au/retirement-planning-advice#our-financial-planning-process) ## Who this service is for ### You have built a significant amount of wealth and now want to ensure it is put to the best use for yourself and, potentially, multiple generations of your family. ### You want the peace of mind that comes with knowing your financial world is being stewarded by a team of professionals. ### Our retirement planning advice is designed for Australians who: - Are within roughly 5–10 years of retirement - Are unsure whether they have enough to retire - Want to understand how much income they can sustainably draw - Have significant superannuation and/or investments - Are considering when and how to transition into retirement - Want a coordinated strategy across super, investments, tax, Centrelink and estate planning - Want an ongoing relationship with an independent financial adviser ## Typical stage of life Our retirement planning clients usually fall into one of the below categories: Reflecting 50-60 Year Olds Self-funded Pre/Post Retirees Financial Assets: $2MM - $10MM or Household Income: $500,000+ ## What you receive - Personalised Financial Plan: Comprehensive Financial Plan tailored to your needs and designed to give you the best chance of achieving your objectives. - Ongoing Advice: Specialised ongoing guidance on all facets of your financial life, driven by semi-annual progress meetings and a range of informal touchpoints. ## Your ongoing partnership covers - Retirement Planning - Estate Planning - Intergenerational Wealth Transfer - Investment  Management - Financial Wellbeing - Risk Management - Debt Management - Education - Behavioural Coaching [Can I just get one-off advice?](https://www.strategyfirst.com.au/blog/the-importance-of-ongoing-advice?hsLang=en) ## Have questions about your retirement? Start with a no-obligation conversation with one of our advisers. We'll learn about your circumstances, what you're hoping to achieve and whether we're the right fit to help.  [Book a free Retirement Planning consultation](https://share-ap1.hsforms.com/1sbpziKiESR-2RSevzL-Afw3lsqd) ### ***What happens next?*** ***1. Tell us a little about yourself*** *Complete our short enquiry form.* ***2. Have a conversation*** *Arrange a time to speak with one of our advisers about your situation and goals.* ***3. Decide if we're the right fit*** *There is no obligation to proceed. We'll explain how we work and what the next steps would look like.* ## How we help you plan for retirement - Understand where you stand: We look at your super, investments, property, cash flow, debt and other financial commitments to understand your starting point. - Establish when you can retire: We model different retirement scenarios to help you understand what is financially achievable. - Work out how much you need: We help you determine the level of income and capital you'll need to support the lifestyle you want. - Build your retirement income strategy: We structure your super, investments and other assets to create an appropriate and sustainable income strategy. - Plan for tax, Centrelink and super: We consider the rules and opportunities that may affect your retirement income and overall position. - Manage your investments: We develop an investment strategy aligned with your goals, timeframe and tolerance for risk. - Keep your plan on track: Retirement isn't a one-off event. We continue to review your strategy as your circumstances, markets and legislation change. ## Why choose an independent retirement adviser? When you're planning for retirement, the recommendations you receive can have a significant impact on your financial future. As an [independent, fee-for-service financial planning firm](https://www.strategyfirst.com.au/partering-with-us?hsLang=en), Strategy First does not receive commissions from financial product providers. That means our advice isn't driven by a particular bank, super fund or investment provider. Our recommendations are based on your circumstances, objectives and what we believe is appropriate for you. > ## A consistently good service and always a pleasant, professional and knowledgeable team. David Client since 2008 ## Cost #### You’ve worked hard for your savings, so paying for financial advice can feel like a big commitment. #### But decisions about when to retire, how to use your super and what you can afford to spend shapes your life for years to come. #### Good advice helps you understand how those decisions fit together, spot risks you might otherwise miss and build a plan around what matters to you. #### It’s not just about having a plan on paper. It’s about having someone in your corner to help you make informed choices and adjust as life changes. Personalised Financial Plan Our plans are usually priced between $5,500 - $7,700 Ongoing Advice Our ongoing advice starts at $12,000 p.a ##### Learn about our Investments and Pricing [A comparison of our pricing vs the industry benchmark](https://www.strategyfirst.com.au/hubfs/Pricing%20Comparison%20-%20Strategy%20First%20Financial%20Planning.pdf?hsLang=en) [A comparison of our **superfund performance** vs other superfunds](https://www.strategyfirst.com.au/hubfs/Australian%20Superannuation%20Funds%20Comparison%20-%20Strategy%20First%20Financial%20Planning-1.pdf?hsLang=en) [**The Value of Advice:** Return on Investments](https://www.strategyfirst.com.au/hubfs/The%20Value%20of%20Advice%20(Return%20on%20Investment)%20-%20Strategy%20First%20Financial%20Planning.pdf?hsLang=en) [**The Value of Advice:** Beyond the Numbers](https://www.strategyfirst.com.au/hubfs/The%20Value%20of%20Advice%20(Beyond%20the%20Numbers)%20-%20Strategy%20First%20Financial%20Planning.pdf?hsLang=en) ## Our financial planning process We make the financial planning process straightforward, personal and focused on what matters to you. ![Leah Steele & Nera Kokot-1](https://www.strategyfirst.com.au/hs-fs/hubfs/Leah%20Steele%20%26%20Nera%20Kokot-1.jpg?width=1000&height=620&name=Leah%20Steele%20%26%20Nera%20Kokot-1.jpg "Leah Steele & Nera Kokot-1") ### 1. Lets talk We start with a conversation to understand where you are now, what you want to achieve and whether we're the right fit for you. ### 2. Understand your position If we decide to work together, we'll take a closer look at your financial position, goals and priorities. This gives us the information we need to develop your advice. ### 3. Develop your plan We'll create a personalised Financial Plan with clear recommendations designed around your goals and circumstances. We'll then take you through the recommendations and answer any questions you have. ### 4. Put your plan into action Once you're comfortable with the plan, we'll help you implement the recommendations and, where appropriate, continue working with you to keep your strategy on track as your circumstances change. ![Strategy First Business Images-114-1](https://www.strategyfirst.com.au/hs-fs/hubfs/Strategy%20First%20Business%20Images-114-1.jpg?width=1000&height=667&name=Strategy%20First%20Business%20Images-114-1.jpg "Strategy First Business Images-114-1") ## Ready to take the next step? Let's start with a conversation about where you are now and where you want to go. [Book a Free Retirement Planning Consultation](https://share-ap1.hsforms.com/1sbpziKiESR-2RSevzL-Afw3lsqd) ## Independent Financial Planners located on the Northern Beaches, Sydney Australia **Providing Independent Financial Advice to the Northern Beaches and the greater Sydney for over 20 years.**   **Office Address:** Suite 55 / 117 Old Pittwater Road, BROOKVALE NSW 2100 **Postal Address:** PO Box 7418, WARRINGAH MALL NSW 2100 **Phone:** (02) 9091 0080 Brookvale | Careel Bay | Church Point | Clareville | Clontarf | Collaroy | Collaroy Plateau | Cottage Point | Cromer | Curl Curl | Davidson | Dee Why | Duffys Forest | Elanora Heights | Fairlight | Forestville | Frenchs Forest | Freshwater | Ingleside | Killarney Heights | Ku-ring-gai Chase | Manly | Manly Vale | Mona Vale | Narrabeen | Narrabeen North | Narraweena | Newport | North Balgowlah | North Curl Curl | North Manly | Oxford Falls | Palm Beach | Queenscliff | Seaforth | Terrey Hills | Warriewood | Whale Beach | Wheeler Heights | Sydney   Independent means no product commissions Fee-for-service means our fees are agreed upfront Experienced with over 100 years of combined financial planning experience Long-term means we don't just help you retire — we continue to work with you throughout retirement **Book a free consultation with a Retirement Financial Adviser** [Enquire Now](https://share-ap1.hsforms.com/1sbpziKiESR-2RSevzL-Afw3lsqd) [![Copy of Copy of INDEPENDENT FINANCIAL ADVICE](https://www.strategyfirst.com.au/hs-fs/hubfs/Copy%20of%20Copy%20of%20INDEPENDENT%20FINANCIAL%20ADVICE.png?width=302&height=93&name=Copy%20of%20Copy%20of%20INDEPENDENT%20FINANCIAL%20ADVICE.png "Copy of Copy of INDEPENDENT FINANCIAL ADVICE")](https://www.strategyfirst.com.au/?hsLang=en) *Strategy First is an independent, fee-for-service financial planning firm specialising in long-term wealth and retirement strategy for Australians.* *Copyright © 2021 Strategy First Financial Planning Pty Ltd.  All rights reserved.*  Contact us:  02 9091 0080​ Office Address: Ground Floor, Front Suite 55, 117 Old Pittwater Rd, Brookvale  |  PO Box 7418, Warringah Mall NSW 2100 Australia [Financial Services Guide (Version 37 – 30 April 2026)](https://www.strategyfirst.com.au/financial-services-guide?hsLang=en)|  [Privacy Policy](https://www.strategyfirst.com.au/hubfs/20260911%20Client%20Privacy%20Policy.pdf?hsLang=en) |  [Public Complaint Policy](https://www.strategyfirst.com.au/hubfs/20211001%20Complaints%20Policy.pdf?hsLang=en) | AFS Licence No. 290771  |  ABN 69 114 540 528  |  **[Disclaimer](https://www.strategyfirst.com.au/hubfs/20230921%20Website%20Disclaimer.pdf?hsLang=en)** [Homepage - Strategy First Financial Planning](https://www.strategyfirst.com.au?hsLang=en) [Who we are](https://www.strategyfirst.com.au/our-values-0?hsLang=en) [Meet the Team - Our Independent Financial Advisers](https://www.strategyfirst.com.au/en-au/meet-the-team?hsLang=en)  [Why partner with Strategy First](https://www.strategyfirst.com.au/partering-with-us?hsLang=en) [Testimonials - What our clients have to say](https://www.strategyfirst.com.au/testimonials?hsLang=en)  [Investment Commitee](https://www.strategyfirst.com.au/investment-commitee?hsLang=en) **[Our Clients - Who We Can Help](https://www.strategyfirst.com.au/who-we-can-help?hsLang=en)**  [Our Services - How We Can Help](https://www.strategyfirst.com.au/how-we-can-help?hsLang=en)  [Packages and Pricing](https://www.strategyfirst.com.au/service-offerings?hsLang=en) [Processes - What to Expect](https://www.strategyfirst.com.au/process?hsLang=en)  **[Information and Documents](https://www.strategyfirst.com.au/learn-more?hsLang=en)  [Our Community](https://www.strategyfirst.com.au/our-community?hsLang=en)  [Blog](https://www.strategyfirst.com.au/blog?hsLang=en)** [Independent Financial Advice Sydney - Contact Us](https://www.strategyfirst.com.au/contact?hsLang=en) All Rights Reserved. © 2023-2024 [| FThemes](https://fthemes.net/)