Everything you need for retirement. All in one place.
Get your free personalised retirement plan, understand your next steps and arrange appointments with professionals who can help.
Completely free to use. No credit card required.
We are not a financial advice service. Everything here is general information and planning tools only. For personal advice, speak with a licensed financial adviser.
A plan for what's next.
Four stages, at your own pace. Your roadmap tracks the planning tasks you complete. It is a record of preparation, not a judgement of whether you can afford to retire.
- Stage 1 of 4
Understand your options
Answer a short, conversational assessment about your timeframe, work, home and goals. Skip anything you prefer not to share.
- Stage 2 of 4
Prepare the important things
Your roadmap gathers the practical tasks: documents to find, numbers to understand and conversations to have.
- Stage 3 of 4
Make the transition
Plan the move from full-time work or business ownership, with handover steps and professional support where you want it.
- Stage 4 of 4
Enjoy what’s next
Keep your plan current as life changes, and return whenever a new question comes up.
Six places to start.
Begin with whatever is on your mind today. Each one feeds the same personal roadmap.
01Retirement Planning
A short assessment becomes a personal roadmap of tasks and milestones, in the order that suits your timeframe.
02Age Pension
Understand what may affect eligibility and payments.
03Retirement Tax
How salary, investments and super-related income may be taxed, explained plainly.
04Business Exit
Succession, sale preparation and a handover you can be proud of.
05Professional Services
Advisers, tax agents, estate lawyers and brokers, introduced only with your explicit consent.
06Life After Retirement
Coming laterFriendship, part-time work, volunteering and lifestyle are planned for a later stage. They are not available yet.
Ask the questions you've been putting off.
Ask about super, the Age Pension, tax, downsizing, estate planning or working after retirement. The companion explains what to consider, turns it into tasks for your roadmap, and tells you plainly when a qualified professional is the right next step.
- General information, not personal advice
- Uses only the profile details you approve
- Your conversations stay private
You asked
There isn't one answer, but there is a clear way to think it through. Here are the areas worth looking at together:
- Your income mix
- How part-time earnings, super and any other income could combine, and how each may be taxed differently.
- Age Pension interaction
- Whether your age, assets and working income may affect eligibility, and how working income is assessed.
- Accessing your super
- The preservation age and conditions of release that apply to you, which a professional can confirm.
- The work itself
- Hours, flexibility and whether consulting, mentoring or a reduced role with your employer suits you.
What we are. And what we're not.
- Free for members
- Every planning tool and the AI companion are free. No memberships, no premium tiers, no credit card.
- Transparent relationships
- We may be paid by professionals or partners. Where that happens, we say so clearly, and it never changes what the companion tells you.
- Introductions only with consent
- Nothing is shared with a provider until you have seen what will be sent and agreed to it, request by request.
- Your information stays private
- Your plans and conversations belong to you. We will never sell our member list.
- Honest about AI
- The companion can be wrong. It explains and organises; it does not invent rules, rates or entitlements.
- Qualified people for regulated advice
- Personal financial, tax, legal and medical advice comes from appropriately qualified professionals, not from us.
For sons, daughters and carers
Helping a parent retire?You can plan it for them.
Answer the questions on their behalf and get their personalised roadmap. The updates come to you, so nothing slips through the cracks.
- Age Pension and Centrelink paperwork
- Aged care, home care and downsizing
- Wills and power of attorney
- Health checks and cover
Help them do it
Build their plan together, then work through a shared checklist with Ruby explaining each step.
Do it for them
Hand any task to our specialists. We keep you in the loop and involve your parent as much as they like.
Retirement, sorted.
Completely free. No credit card required.
