Retire earlier. Spend confidently. Leave calm, not chaos.

We're built for people with $600,000–$2 million in investable assets (super, shares, cash, investment property – outside the family home). Below $600k, the full system usually isn't cost-effective. Above $2M, you'd typically move to our Private Office tier with custom pricing.

Most advisers give you advice and send you away to implement it yourself. We build and manage a complete ecosystem – consolidated platform, Centrelink applications, tax coordination, estate planning, ongoing stewardship. You get one point of contact for everything. Your family knows exactly who to call.

Your accountant is essential – they handle your tax returns and compliance. We work with your accountant, not instead of them. We coordinate on your behalf so nothing falls through the cracks.

What we do is different: we focus on forward-looking retirement strategy – how much you can safely spend, when you can retire, Centrelink optimisation, investment structure for retirement income, estate planning coordination, and making sure everything works together across Lifestyle, Life Stages, and Legacy.

Most accountants don't provide this level of ongoing retirement planning and coordination – and they're not supposed to. That's what we do.

Maybe. But here's what we see: smart, capable people who understand investments and super individually, but retirement isn't about knowledge – it's about family complexity, emotional decisions, and what happens when life doesn't go to plan.

The real questions aren't technical. They're human:

• What if your kids are doing well but your grandkids need help down the track?
• What if you've helped one child with a house deposit but not the others – how do you make that fair in your estate?
• What if one child went through a divorce, or a health crisis, or lost a spouse?
• How do you split things between kids and grandkids without causing resentment?
• If something happens to you, does your spouse know what to do – or will they be paralysed trying to figure it out alone?

The value isn't that we know things you don't. The value is having an independent second brain and family CFO – someone who guides you through complex family decisions, keeps everyone on the same page, helps you avoid disputes that cost families hundreds of thousands in legal fees, and gives your kids someone trusted to call when they need guidance.

You can't be your own coach. And your family can't be their own referee

No. The Retirement Health Check is a fixed $495. If you join the system, we use clear, transparent annual fees based on your situation – not open-ended hourly billing or surprise invoices. We'll show you exactly what it costs after your Health Check, and you decide in your own time.

We focus on what actually matters in retirement:

Lifestyle – Knowing what you can safely spend without fear of running out.
Life Stages – Planning for transitions before they become crises: downsizing, aged care, health changes, divorce, widowhood, inheritance.
Legacy – Leaving calm, not chaos. One point of contact, coordinated estate planning, no unnecessary tax or conflict for your family.

Most advisers only talk about investments. We talk about life.

Perfect. Many clients see us 5–10 years before retirement. That's often the best time to get clear on your numbers and options – so you have more choices, not fewer. You might discover you can retire earlier than you thought.

First, you'll complete a pre-meeting questionnaire so we can do our homework. Then it's 60 minutes (Zoom or in-person) where we:

• Map your complete financial position across super, investments, cash, property, and Centrelink
• Clarify your goals, concerns, and non-negotiables across Lifestyle, Life Stages, and Legacy
• Identify exactly what you're leaving on the table (Centrelink/CSHC, tax, structure, estate planning)
• Show you how much you can safely spend and whether you could retire earlier
• Explain what the full Prime Years Retirement System would look like for your situation, if it's a fit

You get a copy of the recording and everything we covered. This is real, actionable value – not just a sales pitch. Many people walk away with clarity worth far more than $495, whether they proceed with the full system or not.

That's fine. Many of our clients had advisers before they came to us. The question is: are you getting a complete ecosystem, or just periodic advice? Do they apply for your Centrelink entitlements? Coordinate your estate planning? Give you one consolidated view of everything? If not, you might be paying for advice but still doing all the management yourself.

We also operate as a concierge service: we deal with other professionals (accountants, solicitors, aged care advisers) on your behalf, handle all the paperwork, and coordinate everything so you don't have to.

Many clients keep their existing adviser for some things and use us as their retirement specialist and Centrelink/CSHC concierge.

No. We don't take commissions from any product providers. We're strictly fee-for-service independent financial planners.

We're product-agnostic – we focus on the strategy and advice, not selling products. We use the same investment approach for ourselves as we recommend to clients. Our only measure of success is your outcome.

Robo-advisers can't help you navigate downsizing, aged care, divorce, widowhood, or inheritance. They can't model whether you can retire at 60 instead of 65. They can't apply for Centrelink on your behalf or coordinate your Powers of Attorney. Retirement is complex and personal. Software can't do what we do.

No. The Retirement Health Check is a paid diagnostic, not a free discovery call. We do pre-work using your questionnaire, come prepared with a clear picture of your situation, and spend the hour mapping your options and identifying what's being left on the table.

At the end, if there's a clear benefit in us managing everything for you, we'll explain what it looks like to join the Prime Years Retirement System and the annual fee options. You're free to say yes, no, or not yet. The $495 session is designed to stand on its own.

Yes. We operate under our own independent AFSL, with no bank ownership and no product commissions. Our focus is on strategy and your outcome, not pushing products.