Consortium Private Wealth

18/10/2026

Lower investment returns can feel particularly unsettling when retirement is close. But reacting in a hurry isn't the same as having a strategy. These four areas are worth reviewing when preparing for retirement. A financial adviser can help you assess which options fit your individual circumstances.

15/10/2026

Waiting for “one more year” can keep you working longer than you need to.

You might think you need $700k, then $750k, then $800k before you can retire. But the goalpost can keep moving.

There is no perfect retirement number. It depends on your lifestyle, health, goals and what you want your retirement to look like.

Your super was built to support you in retirement. At some point, you need to stop saving for retirement and start using it for the life you worked for.

14/10/2026

A comfortable retirement takes more than reaching a savings target.


💡Think about your annual spending, investment risks, potential government support and the lifestyle you want to enjoy. Which of these five areas have you already planned for?

12/10/2026

💰 Planning for retirement with a defined benefit pension? Understanding your options can make a significant difference to your long-term financial strategy.

From choosing between a lifetime income and a lump sum to considering estate planning and managing longevity risk, there are several factors worth weighing up before making a decision.

This article explores navigating defined benefit pensions retirement planning, including the pros and cons of lump sums, lifetime income, estate planning and managing risk.

12/10/2026

It’s not just about having enough money. It’s about having access to the right assets at the right time.

If you retire at 55, you may not be able to access your superannuation straight away. So, what will you live on in the meantime?

That’s why asset structure, ownership and investment strategy matter when planning for early retirement.

Retiring early means planning beyond the number.

12/10/2026

I’m grateful to have supported clients across different locations with their financial needs.

Thank you to everyone who has taken the time to share their experience and place their trust in me. It means a lot to know that my approach, care and personalised advice have made a difference.

Now based in the beautiful Whitsundays, Queensland, I continue to support clients across Australia with personalised financial advice.

09/10/2026

Chasing a bigger retirement number can come at a cost.

Your health. Your family time. Your holidays. And the healthy years you worked so hard for.

You need your money to last, but you also need to enjoy life while you’re healthy enough to do it.

The goal isn’t just to reach a number. It’s to find the balance between enjoying your go-go years and being financially secure for the future.

08/10/2026

Who gets your super when you’re gone? It might not be who you think. 📝

Your super, including any life insurance inside it, doesn’t automatically form part of your estate. And if your nomination is non-binding, it’s only a guide. The trustee makes the final call.

✔️ Check whether your nomination is binding, and still valid
✔️ Separated but not divorced? Your former partner could still receive your super
✔️ Adult children who aren’t dependants can pay up to 17% tax on the taxable component

A quick check now can save your family a lot of stress, and tax, later.

📩 Comment “BENEFICIARY” below and I’ll send you my free fact sheet.

General information only. It doesn’t take your personal circumstances into account.

07/10/2026

What happens when “just one more year” of work turns into five?

For many people approaching retirement, the decision isn't simply about reaching a particular superannuation balance. It can also involve uncertainty, lifestyle, health, family, and the question of what retirement will actually look like.

In this episode, financial advisers Rachael Todman and Robgoudiefinancialadvice explore why some people keep moving the goalposts on retirement, whether there really is a “perfect” number to retire with, and the risks of waiting indefinitely for one.

Whether you're approaching retirement yourself, helping a family member plan for it, or working with clients who are asking, “Can I afford to retire yet?”, this conversation offers some useful perspectives to consider.

💬 Have you ever caught yourself thinking, “I'll just work one more year”? Watch the full conversation and let us know what you think.

What happens when “just one more year” of work turns into five?Fo...

07/10/2026

Helping clients gain clarity and feel more confident about their financial direction is what we’re all about.

Thank you, Luka, for sharing your experience with Rob and the Consortium Private Wealth team.