Wealth Transfer


Talk about change - you've seen it all, and what you haven't seen isn't worth seeing. You've raised the kids, helped them move out of home (and back in again at least twice) and worked hard to get them married and settled. You may have even dropped a few hints about grandkids (which was very well received we're sure!).

If you've been busy looking after others, now might be the time to let a financial adviser start looking after you. If you're approaching retirement, now is a good time to seek advice - so you can plan to spend your retirement doing all the things you want to. There is quite a lot an adviser can help you with - including making the transition to retirement from age 55 - Managing your money now can make a big difference to the quality of your retirement life.

We use a six step process that helps you take a 'big picture' look at where you are and where you want to be financially. By determining your life stage and your attitudes to investment risk, we can determine an appropriate retirement strategy.


Make the most of it before you retire - there is so much more to super than just your employers contribution.

  • Asset allocation & investment choice
  • Topping up (voluntary contributions)
  • Consolidation (finding ‘lost' super)
  • Salary sacrifice
  • Government co-contribution


The transition to retirement rules allow individuals who have reached their preservation age to access their superannuation in the form of a non-commutable income stream.

If you are 55 years of age and still plan to work for the next 5 to 10 years, a Transition to Retirement (TtR) Strategy may be beneficial both from a wealth accumulation and tax minimisation strategy.


One of the most effective means of providing an income stream in retirement is through the use of an account-based pension, also known as an allocated pension. An allocated pension is a retirement income stream purchased with a superannuation lump sum and is paid from a superannuation fund.

Regular pension payments continue to be paid until the allocated pension account balance runs out or the pension is commuted. If the income drawn exceeds the investment earnings then the allocated pension payments will include some of the capital used to purchase the pension.

Allocated pensions cannot be purchased with ordinary (non-superannuation) money. This means that clients need to have existing superannuation funds or be able to make a contribution to superannuation prior to purchasing the allocated pension.


There's one big question you need advice to answer.

  • Will I have enough to live on in retirement?
  • How long will our retirement funds last?
  • How can I minimise tax in retirement?
  • What is the best investment vehicle/s in retirement?


Don't forget about your assets outside of super, they too are important for your retirement and estate planning.

  • Accumulating wealth
  • Cashflow management
  • Tax Effective Investments
  • Gearing strategies
  • Minimising CGT strategies


Depending on your personal and/or financial position, insurance may still be an important part of your financial plan as you move towards retirement.

To find out more about your insurance options please click here


No one wants to pay more tax than they have to, especially in retirement. Planning for a tax free retirement is now an achievable goals thanks to recent changes.

  • CGT minimisation strategies
  • Tax legislation changes


Seeking advice early can help your retirement plans stay on track. Make the most of it by getting some investment advice.

  • Payment and investment options leading into retirement
  • Re-assessing your retirement goals


Planning for the unexpected becomes more important as you transition to retirement. Seeking and implementing advice can provide peace of mind in the event of the unexpected.

To find out more about estate planning structure and strategies click here

Legislative/Government changes

There are lots of opportunities you can put to use, let us show you how to make the most of them for your situation.

  • Government policy
  • Age pension changes
  • Centrelink benefits
  • Transition to retirement

Planning for a Brighter Future

Planning for your financial future should be a positive experience and that's where we can assist. We can help you work through your financial goals and objectives to identify your options and provide you with tailored solutions. By taking control, you increase the likelihood that you will achieve your financial goals.

No obligation, just an offer to see how we can assist


You've built your career to a point where you are really starting to make some headway. Life is getting busy though - a new relationship, starting a family and raising the kids - not to mention committing to and paying off that mortgage.


A good financial plan, designed to build and preserve capital, is of little value if it does not provide financial protection in the event that your income ceases.


Talk about change - you've seen it all, and what you haven't seen isn't worth seeing. You've raised the kids, helped them move out of home (and back in again at least twice) and worked hard to get them married and settled.


It is essential that your financial strategy is reviewed and refined regularly to ensure you stay on track and that your goals are achieved. Your plan should be adjusted to take into account changes.

Customised Wealth Strategies Pty Ltd ABN 74 147 806 095 Corporate Authorised Representative Financial Services Partners Pty Ltd *Jason Woolford Authorised Representative Financial Services Partners Pty Ltd

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The information (including taxation) in this website is general advice only and does not constitute personal advice. It has been prepared without taking into account any of your individual objectives, financial solutions or needs. Before acting on this advice you should consider the appropriateness of this advice, having regard for your own objectives, financial situation and needs. you should seek personal financial advice from a qualified financial adviser before acting on the advice.