Retirement planning
Know what comes next.
Retirement is made up of many smaller decisions. Seeing them together, in a sensible order, makes each one easier.
What a plan covers
Six areas most people work through.
- Everyday expenses
- What life is likely to cost once regular pay stops — the essentials, the things you look forward to, and the irregular costs that are easy to forget.
- Superannuation
- Knowing which funds you hold, how they are invested, any insurance attached, and the general options for drawing on super once you meet a condition of release.
- Age Pension
- Whether you may become eligible, and how the income and assets tests could affect any payment, now or in later years.
- Housing
- Whether your home suits the next twenty years, and what staying, downsizing or relocating could mean for costs, community and pension assessment.
- Legal documents
- An up-to-date will, enduring power of attorney, enduring guardianship or advance care directive — names and requirements vary by state.
- Work and purpose
- Whether you stop entirely, ease back, consult or mentor — and how your days will feel once the routine of work changes.
Your roadmap
Turning questions into next steps.
Members will answer a short onboarding interview. Your answers produce a saved roadmap of suggested tasks you can edit, complete, reopen or remove. Suggestions follow clear, published rules — the AI may explain why a task could be relevant, but it does not decide your entitlements or recommend financial products.
Official guidance