Confidential and obligation-free. Meet in person or by video.
Trusted by 5,150+ clients across Australia since 1986
Current state analysis
Complete
Goals review
Complete
Final plan
Ready for review
Retirement plan ready
Hi William & Jenny, we're pleased to let you know your retirement financial plan is ready. Let's book in a time this week to walk through the strategy.
Retirement looks different depending on where you are.
There’s no single retirement strategy. What matters is matching the approach to your specific stage, your assets, and the life you want to live.
01
Pre-retiree
The highest-stakes window. These are the years where contribution strategies, tax optimisation, and portfolio positioning have the greatest impact. We’ll model when you can walk away, and what it takes to bring that date closer.
02
Retiree
You’re drawing from the pool now. Pension structuring, drawdown optimisation, and aged care planning become the priority. We'll help you understand your long term position.
03
Business owner
Your retirement depends on what happens with the business. If the exit doesn’t deliver what you expect (or doesn’t happen at all) you need a plan B. We'll build retirement strategies based on different business sale outcomes to give you confidence.
04
Executive approaching transition
When the corporate salary stops, your lifestyle needs to continue. We model the shift from employment to investment income and show you what is required to fund the gap, without relying on hope.
Sound familiar?
These are the problems we solve every day
Not sure if you've actually got enough to retire when you want to?
Keep running numbers in your head but never getting a definitive answer?
Worried a market downturn in the next few years could change everything?
Confused by super rules that seem to change every budget?
Confidential and obligation-free. Meet in person or by video.
Strategy
What your retirement wealth strategy includes
01
Personalised scenario modelling
We’ll project your retirement across multiple scenarios: different retirement ages, spending levels, market conditions, and Age Pension entitlements. You’ll see exactly how each variable changes the outcome.
02
Portfolio transition
Shifting from accumulation to drawdown requires a different portfolio. We’ll reposition your investments for income generation while considering the longevity requirement for retirement.
03
Tax and pension optimisation
Minimise tax in your final working years. Structure finances to maximise Age Pension entitlements. Navigate deeming rates, assets tests, and gifting rules. We handle the complexity.
04
Ongoing guidance for life
Retirement isn’t a one-time event. Markets move, legislation changes, and life throws curveballs. We review your plan regularly and adjust whenever the numbers or your circumstances call for it.
Confidential and obligation-free. Meet in person or by video.
How it works
A clear path from questions to retirement strategy
There’s no single retirement strategy. What matters is matching the approach to your specific stage, your assets, and the life you want to live.
01
Start with your retirement picture
We discuss your current position, the retirement lifestyle you want and the decisions creating uncertainty. This also helps us determine whether Profile is the right fit.
02
Agree on the scope and fees
If you decide to proceed, we confirm the advice, costs, exclusions and indicative timing in writing. We then collect the information needed through our secure client portal.
03
Model and explain your strategy
Your adviser models relevant retirement scenarios, considers alternative approaches and explains the recommendations, assumptions, risks and trade-offs clearly.
04
Put the strategy into action
Once you approve the advice, we prepare the paperwork and coordinate with relevant super funds and investment providers. Ongoing reviews can help keep the strategy aligned as circumstances change.
Confidential and obligation-free. Meet in person or by video.
Testimonials
We've helped Australians retire with confidence since 1986
"Scott Ungaro at Profile Financial Services has been an outstanding financial adviser. He is highly professional while still offering a very personal level of service.
He has provided us with excellent advice around our retirement planning, taking the time to understand our goals and explain everything clearly.
He is always available when we need guidance and is very responsive. We feel confident and well supported, and would highly recommend Scott to anyone looking for trusted financial advice."
Louise Hochstetter
"We needed to simplify our complex financial situation to go forward towards retirement and Kurt and the team showed us the ways to move forward with sound advice and different strategies in a way that we understood and made us feel comfortable and confident.
Looking forward to retirement knowing that the team at Profile will be there to give the guidance and support that we need for a comfortable retirement."
Wendy Burton
"Always find Kurt very patient and understanding to all my questions. Always professional so I can understand how everything works.
He organised all my finances so I could receive my pension payments with no worries. I highly recommend Profile for no worries retirement."
Confidential and obligation-free. Meet in person or by video.
NOT READY TO SPEAK WITH AN ADVISER?
See where your retirement plan stands
In around four minutes, answer a few questions and receive a personalised report showing where your plan looks strong, where there may be gaps and which decisions may deserve attention.
Get to know more about us and how we can help you before you start a conversation.
What happens during the initial retirement conversation?
We discuss your current financial position, the retirement lifestyle you want and the decisions causing uncertainty. It is also an opportunity to ask questions and determine whether Profile is the right fit. The conversation is zero-cost, with no pressure to proceed.
How will I know what the advice will cost?
After the initial meeting, we provide written Terms of Engagement setting out the proposed scope, the cost of preparing and implementing the advice, anything outside the scope, details of any ongoing service and an indicative timeline. You can consider this before deciding whether to proceed.
What information will I need to provide?
If you proceed, you will complete an online Fact Find and upload relevant documents through Profile’s secure client portal. With your signed authority, we may also obtain information from relevant super funds, investment providers and other third parties.
Do I have to proceed with the recommendations?
No. Nothing is implemented until you have reviewed the advice and signed an Authority to Proceed. If you choose to proceed, Profile prepares the necessary paperwork and coordinates with relevant providers on your behalf.
How much do I need to accumulate to retire comfortably?
There is no single figure. It depends on when you retire, the lifestyle you want, how long your savings may need to last, your assets and debts, inflation, investment returns and other income. Our guide explains how to start estimating how much you may need.
Start with a retirement conversation
Your first conversation with us is zero-cost, confidential, and completely obligation-free. Tell us what’s on your mind. We’ll take it from there.
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