Superannuation & Retirement Planning

At Elevate Financial Planning, we help Australians make smart decisions about their superannuation and retirement planning. Whether you’re just starting to grow your super, approaching retirement, or already retired, the right strategy can make all the difference.

Superannuation is one of the most tax-effective ways to build wealth for the future — but with constant rule changes and countless options, it can be complex. That’s where we step in. Our goal is to give you clarity, confidence, and peace of mind when it comes to your retirement.

Your superannuation is likely to be one of your biggest assets. It plays a crucial role in funding your lifestyle once you stop working. Getting it right can mean the difference between a comfortable retirement and one filled with financial stress.

We help you:

• Understand your current super balance and projected retirement income
• Make the most of contribution opportunities (salary sacrifice, concessional and non-concessional contributions)
• Ensure your investment strategy matches your goals and risk profile
• Stay ahead of changes in super rules and legislation

Our tailored advice covers every stage of your retirement journey:

• Maximising super contributions – strategies to boost your retirement savings in a tax-effective way.
• Superannuation investment advice – selecting investments that suit your goals and risk tolerance.
• Transition to Retirement (TTR) strategies – access part of your super while you’re still working.
• Retirement income planning – structuring your super, pensions and savings to provide reliable, tax-effective income.
• Age Pension & Centrelink strategies – helping you maximise your entitlements.
• Estate planning considerations – making sure your super and retirement assets align with your broader wealth plan.

• Personalised advice – we create strategies tailored to your situation, goals and values.
• Local and approachable – we see clients in Geelong, Surf Coast, Bellarine Peninsula, Ararat, Daylesford and surrounding areas, as well as offering online meetings Australia-wide.
• Trusted expertise – blending modern tools with traditional financial planning knowledge to deliver advice that works.

Your Next Step

Planning for retirement doesn’t need to be overwhelming. With the right advice, you can retire with confidence knowing your money is working for you.

Book a chat today to discover how we can help you make the most of your superannuation and retirement planning.