Getting retirement ready

Retirement planning isn’t a single conversation.
It builds over time. The decisions around super, income and timing are more connected than most people realise. Planning early can mean more options and less stress.

What's happening?

This stage of life sits in an interesting place.
You’re still working, still earning, but retirement has moved from a distant idea to a real question.

Most clients we meet here are thinking about the same things. When can I actually stop? Will I have enough? What do I need to do between now and then? The answers depend on how your super, income and assets are structured today. That’s where we start.

FINANCIAL ADVICE

Your super should
be retirement ready.

retirement-planning

Retirement planning

Building a clear picture of when you can stop, what you'll need and how to get there from where you are today.

superannuation-planning

Superannuation planning

Making sure your super is structured the right way and working as hard as it can before you retire.

self-managed-superannuation-fund

Self-Managed Super Fund (SMSF)

For those who want more control over their super investments. We help you understand if an SMSF is right for your situation.
taxation-planning

Taxation planning

Structuring your income and assets in the most tax effective way before you stop working.
LENDING ADVICE

Your mortgage should
be ready for what's next.

home-loans

Mortgage review and restructuring

Making sure your loan structure still makes sense as your income changes in the lead up to retirement.
off-the-plan-finance

Downsizing

The financial side of moving to a smaller home. Timing, structure and access to 1,350+ products from 60+ lenders.
debt-management

Debt consolidation

Simplifying what you owe so you enter retirement with a cleaner financial picture.
ethical-esg-investing

Investments managed at a different level, through Infinity

Infinity Capital Solutions is Viridian's wholesale investment business, managing $5bn+ in assets for high-net-worth individuals, families and charities. If you're curious about whether it's right for your situation, your Viridian adviser is the right place to start.

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
planning conversation.

  • Super, tax, income, timing
  • 30 min, on us, no commitment
  • With a Viridian adviser
BOOK AN ADVISER
LENDING ADVICE

The mortgage
conversation.

  • Review, restructure, downsize
  • 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

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
65+

Living Well in Retirement

Income that lasts, aged-care decisions made with confidence, and an estate that reflects what you've built and who it's for. We help you keep your finances aligned with the people and priorities that matter most, because this is what the work was always for.
Start Here

Frequently Asked Questions

How much super do I need to retire?

There's no single figure - it depends on the lifestyle you want, whether you own your home, and whether you'll receive the Age Pension. Industry bodies publish "comfortable" and "modest" retirement benchmarks as a guide, but the real question is whether you're on track for your plan. We help you work that out.

When can I access my super?

Generally once you reach your preservation age (now 60 for anyone born on or after 1 July 1964) and meet a condition of release, such as retiring. Some limited early-access situations exist.

Can I retire if I still have a mortgage?

Often yes, but it changes the maths - your retirement income has to cover repayments, or you may look at restructuring or downsizing first. We help you go into retirement with a clear plan for any remaining debt.

Will I be eligible for the Age Pension?

It depends on your age and on the income and assets tests. Many retirees receive a part pension alongside their own savings. We help you understand how your situation interacts with the rules.

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