Living well in retirement

From managing super drawdowns to aged care planning and leaving something for the people you love. We help you make the right calls at every step.

What's happening?

More time. More to think about. Retirement looks different for everyone, but the questions it raises tend to be the same. How do I make my money last, what does life actually cost from here, and what do I want to leave behind? Most clients we meet at this stage are juggling all three at once, often without realising how connected they are.

The right advice helps you see the full picture, not just what you have, but how to make it work for the life you want and the people you love.

FINANCIAL ADVICE

Advice that works
as hard as you did.

transition-to-retirement

Retirement income planning

Working through how your super, investments and other income sources can support the lifestyle you want.
investment-advice

Investment planning in retirement

Reviewing your portfolio to make sure it still reflects where you are and where you want to be.
estate-planning

Estate planning

Wills, beneficiaries, powers of attorney. Structuring things now so your wishes are clear and your family is protected.
aged-care

Aged care planning

Understanding your options before circumstances make the decision for you.
LENDING ADVICE

Still carrying a loan?
You have more options than
you think.

refinancing

Mortgage restructuring

Reviewing your existing loan to make sure the structure still makes sense for your retirement income.
equity-release

Equity release

Understanding how to access the equity in your home without disrupting the life you've built around it.
off-the-plan-finance

Downsizing

The loan side of moving to a smaller home. Timing, structure and finding the right product from 60+ lenders.
debt-management

Loan consolidation

Simplifying what you owe so your retirement income works harder for you.

REALITY CHECK

An 800k upgrade on equity from
your existing home looks like:

~ $5,200/mo

Indicative repayment on a $850k loan @ 6.20% over 30 years. Existing equity of $400k assumed; bridging excluded.

RUN YOUR NUMBERS

Pick the conversation
closest to your question

You can book either or both. Same group, different licensees — so the disclosure document we send you matches what we’ll talk about.

FINANCIAL ADVICE

The retirement advice conversation

  • Income, super, estate planning
  • 30 min, on us, no commitment
  • With a Viridian advisor
BOOK AN ADVISER
LENDING ADVICE

The mortgage advice conversation

  • Restructuring, equity, downsizing
  • 30 min, on us, no commitment
  • With a Viridian broker
BOOK A BROKER

Not sure which specialist to speak to? Call 1300 84 74 34 – we’ll route you.

Or pick a different stage

Any age

When Life Changes

Inheritance, divorce, redundancy, the sale of a business, a diagnosis. The moments that don't ask permission and don't follow a calendar.
Start Here
tell-us-1
28-44

Building Wealth

You're earning well, but the gap between where you are and where you want to be still feels wide. The right structure now - property, super, investments - is what makes the difference later.
Start Here
35-55

Protect and Grow What Matters

The years add up. So should your money. We help you make sure both are working in your favour.
Start Here
50-65

Get Retirement Ready

You're closer to the next stage, but the choices still feel big. The right super, income and retirement strategy helps you understand when you could stop working, what life after work could look like, and how to plan for it with confidence.
Start Here

Frequently Asked Questions

How long will my retirement savings last?

It depends on how much you've saved, how much you spend, your investment returns and whether you receive the Age Pension. Rather than a single number, we help you build a sustainable drawdown plan and review it over time so it keeps reflecting your life.

How much does aged care cost in Australia?

Aged care fees usually combine a basic daily fee, a means-tested care fee, and an accommodation cost (paid as a lump sum, a daily payment, or a mix). The total depends on your assets, income and the provider. We help you understand and plan for it.

Is a reverse mortgage safe?

Reverse mortgages are regulated and carry negative equity protection, so you can't owe more than your home's value. They can be useful, but they reduce the equity you leave behind and the debt compounds, so they suit some situations and not others. We help you weigh it up honestly.

Can I give money to my children without affecting my Age Pension?

There are limits on how much you can gift before it affects your pension under the assets and income tests. We help you understand the rules so you can help your family without undermining your own position.

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