Financial Advisor for Pre-Retirees
Find Out Exactly When You Can Stop Working
The 5 to 10 years before retirement are the most important of your financial life. The decisions you make now will determine the income you have, the lifestyle you live, and how long your money lasts. Track Wealth helps pre-retirees get those decisions right.
Sound familiar?
I want to retire in the next few years but I genuinely don't know if we can afford to or whether the timing is right.
How long will my money actually last in retirement? What happens if I live longer than expected?
I feel like I'm paying too much tax in my highest-earning years and I'm running out of time to do something about it.
A Plan That Tells You Exactly Where You Stand Before You Retire
Most pre-retirees have a rough idea of where they’re at a super balance, some investments, maybe a property or two. What they don’t have is a clear answer to the question everyone wants answered: is it actually enough, and when can I stop?
Track Wealth builds retirement strategies for people in the final stretch modelling your income, your assets, your lifestyle costs, and your timeline so you stop guessing and start planning with confidence.
- Retirement income modelling based on your actual lifestyle costs
- Super acceleration strategy in the years remaining
- Tax minimisation in your peak earning years
- Transition to retirement and pension phase planning
- Investment repositioning from growth to income and preservation
- Estate planning reviewed and updated ahead of retirement
Pre-Retirement Planning That Covers Every Angle
Retirement Income Modelling
Super Acceleration Strategy
Transition to Retirement
Tax Planning in Peak Years
Investment Repositioning
Call Us Today to Schedule a Free Consultation
How We Approach Pre-Retirement Planning
Understand Your Full Picture
We start with your actual numbers super balance, investments, debts, income, and lifestyle costs. Most clients have never had someone map it all out in one place before.
Model Your Retirement Scenarios
We project multiple retirement scenarios based on your current position showing you what’s possible now, what a few adjustments could unlock, and what retiring earlier than planned might actually look like.
Build Your Pre-Retirement Strategy
We develop a clear strategy covering super contributions, tax planning, investment repositioning, transition to retirement, and estate planning all coordinated in the years leading up to your retirement date.
Implement and Review
We implement the strategy, coordinate with your accountant and other advisors, and review your position at least annually adjusting as legislation, markets, and your circumstances change in the lead-up to retirement.
Find Out If You're On Track to Retire When You Want
In one conversation we can tell you where you stand, what the gaps are, and what it would take to get you to where you want to be.
You're a Few Years Out and You Want a Clear Answer on Whether You're Ready
You’ve been working toward retirement for a long time. The super is there, the investments are in place but you’ve never had anyone sit down and tell you definitively whether it’s enough, when you can stop, and what the income will look like.
That’s exactly what we do. We model the numbers, show you the scenarios, and give you a clear answer so you can make the decision with confidence rather than anxiety.
- A clear retirement projection based on your actual numbers
- Multiple scenarios modelled at different retirement dates
- Identification of what needs to change to retire sooner
- A strategy that gives you certainty before you hand in your notice
You're in Your Peak Earning Years and Want to Make the Most of the Time Remaining
The final years of a working career are typically the highest-earning and the best opportunity to accelerate your wealth. Maximising super contributions, reducing tax, and making sure your investments are positioned correctly in this window can make a significant difference to the retirement you end up with.
Most people in this position don’t have a strategy for the final stretch. They just keep doing what they’ve always done and hope it’s enough. We make sure it is.
- Concessional contribution maximisation and catch-up strategies
- Salary sacrifice structures tailored to your final working years
- Investment strategy review ahead of the transition to retirement
- Tax planning to reduce what you pay in your highest-earning years
You Want to Retire Earlier Than Planned and Don't Know If It's Possible
One of our clients wanted to work two more years. After one conversation with Track Wealth, they handed in their resignation, bought a beachside property, and booked an overseas trip to celebrate. They now have $120,000 of comfortable annual retirement income.
Most people who think they need to keep working don’t. They just haven’t had anyone run the numbers properly. We do.
- Retirement income modelling at your preferred early retirement date
- Identification of what needs to happen between now and then
- Super and investment strategy to close any gap
- Transition plan to make the exit as tax-effective as possible
Your Financial Affairs Are Complex and You Want Someone to Coordinate the Final Stretch
As you approach retirement, the number of moving parts increases. Super, investments, property, insurance, estate planning, tax all of it needs to be coordinated in the years before you stop working.
Most people handle each piece separately. Track Wealth brings everything together under one strategy, works alongside your accountant and other advisors, and makes sure the transition into retirement is as clean and tax-effective as possible.
- Full financial coordination across every area in the lead-up to retirement
- Direct communication with your accountant, solicitor and other advisors
- Estate planning reviewed and updated to reflect your current position
- Pension phase planning and transition managed correctly
We Don't Just Get You to Retirement. We Make Sure You're Ready for It.
Most financial advisors focus on building wealth. Track Wealth does that too but for pre-retirees, the focus shifts to making sure everything is in the right place before you stop working. The super is structured correctly. The investments are positioned for income. The tax has been minimised. The estate plan reflects your current position.
We coordinate every piece in the years leading up to retirement so the transition is smooth, tax-effective, and exactly what you planned.
Proactive in the Final Stretch
We don’t wait for your annual review. We stay across changes to super legislation, tax rules, and pension phase planning and act before issues become problems.
Honest About the Numbers
If you’re not on track to retire when you want, we’ll tell you. Then we’ll work out what it would take to get you there.
Coordinated Across Every Area
Super, investments, tax, insurance, estate planning everything is coordinated in the years leading up to retirement so nothing is left unaddressed.
Balanced Advice, For Today and Tomorrow
We encourage clients to live well in the years before retirement, not just save. You don’t know what’s around the corner. A good pre-retirement plan funds the life you want now as well as the retirement you’re working toward.