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Robert's Retirement Advisory

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Australia
Adelaide, SA
Robert's Retirement Advisory

Financial Planner from Adelaide specialising in pre and post retirement advice.

Robert’s Retirement Advisory was established to provide sound financial advice to everyday Australians who are looking for help and guidance navigating the financial aspect of planning for retirement or those who are already retired. There are already a lot of other challenges people face whether that may be lifestyle or health challenges when retirement is discussed. We aim to be a trusted source

to help assist and provide clarity around the financial challenges in retirement. Some challenges pre and post retirees face along the way is not knowing how long their funds will last, whether there investments are positioned correctly, what will happen with their estate plan, how to begin to deal with Centrelink or their superannuation fund - this is where we step in to provide advice and implement the advice to give clients the best possible outcome and more importantly peace of mind so they can live their retirement with one less stress. There is lots of information out there (almost too much) and it is a space where the government can always change the goal post. I found individuals really struggle to cut through the noise and put a plan in place. That is where I help and use my education and experience to guide you through retirement. Everyone is different and sometimes your needs may actually be more complicated than you think and as a professional I will educate you about options and help you decide what is best. I aim to do the basics right at my practice and be contactable when needed and also not to overcomplicate things.

03/08/2026

When people come up to retirement as a couple and meet the eligibility to access superannuation. You can’t necessarily combine 2 individuals super accounts into one, however there are “roundabout” ways of doing it. I often get asked if doing so makes sense so that potential fee savings can be made (i.e. paying 1 lot of super fund fees instead of 2).

The resulting answer of course is it “depends”. There are always different tax, Centrelink, investment and estate planning considerations to name a few. Usually though these days super funds are quite competitive with fees and there can be a small admin fee that is a flat fee (i.e. a few dollars per week) – then the rest of the fees which makes up the larger component are usually percentage based. So, given the biggest fees are percentage based, from a fee perspective, it isn’t usually a big saving if the accounts remain spread across 2 accounts or alternately all get combined into 1 account.

01/07/2026

I know for those who are employed or are retired and not running a business, the end of financial year and start of a new one may not seem any different.
However regardless of if you are still working, retired or planning to retire. The start of the financial year is a key date for various reasons such as:

•New concessional and non-concessional contribution cap space for superannuation (new limits commenced today).

•New asset and income test thresholds for various Centrelink entitlements such as the Age Pension (new thresholds commenced today).

•Updated minimum pension drawdown requirements for those who have setup an income stream from superannuation based on your balance as of today.

11/06/2026

The Association of Superannuation Funds of Australia conducts research on retirees aged over 65 in terms of how much they spend. When I had a look at their most recent data, for a couple who are retired to live what they consider a "comfortable" retirement which includes travel/holidays have approximately $7,500 per year allocated for this.

It is important not to get caught up with what you see/hear from everyone else or different articles online because what you spend is individual to you.

For some retirees I advise - $7,500 per year is more than ample, other clients will look at the $7,500 per year figure and tell me that will just cover flights alone for international travel and will need a lot more.

The other thing to consider, retirement and plans aren't always a straight line, some retirees might just have a few trips that they would like to allocate for over say a five year period of $30,000 per year - then after that, the $7,500 per year figure might suffice.

01/05/2026

For those that know me I don’t know much at all about footy… But when my cousin asked to give me the opportunity I was happy to be apart and sponsor his team Ingle Farm Football Club for the 2026 season!

06/04/2026

If you are on a Centrelink payment such as the age pension, it is important to tell them about any changes in assets, i.e. acquiring / selling an asset or if an asset decreases or increases such as money in the bank that there are certain thresholds for.

This helps prevent them overpaying you and then you needing to pay them back.

Additionally, it can also increase your entitlement. For example if you are on a part-age pension payment and withdraw $20,000 from your bank account or an account-based pension to pay for a personal overseas holiday and no longer have the funds it is good to update them as soon as possible as your payment will likely increase due to the reduction in your assets.

23/03/2026

The world seems to be a busy place and this year is moving quickly again.
I would just like to say a big thanks to all my clients and peers for your support as my business turns 2 this month😊

21/01/2026

“I need $800,000 in super before I can retire”.

It may be a little trivial the wording, but usually when people say that to me – it is more of them “wanting” not “needing” as usually people don’t know what they need in terms of dollar value as there are so many variables in retirement (i.e. large capital expenditures, health, potential age pension etc).

A lot of time when I work with client’s – it is working out how much they would like as an expenditure figure in retirement, which doesn’t just stop there as it sometimes includes downsizing a home, buying a new car, travel etc.

Then I can come back with a plan that would say if you want XYZ in retirement – then you need approximately XYZ to be able to achieve those goals.

17/12/2025

Thank you to all my clients and peers for the support throughout 2025 and wishing everyone a good Christmas and New Years.

To wrap up the year I was presented with an award from my financial service licensee and am excited to keep assisting my clients as we move into 2026.

19/11/2025

I was having a look at Google a week or so ago online as I have had a few enquiries about the Age Pension age being moved to 68.

It all stemmed from a random fake article that was being spread online.
The problem is Google + AI sometimes doesn’t know how to find the difference between what is real and what is not which leads to confusion.
Just to confirm – the Age Pension Age in Australia is still 67.

The attached picture is an AI Google summary that you would have found if you have searched something along the lines of Age Pension age in Australia a few days ago.
Google have now fixed this – but it is not to say that it can’t happen again and it is just a reminder to be mindful where you get your information from when it comes to important things like finances.

16/10/2025

Sometimes with everything in life and even financial planning – we are busy looking into the future.

When sitting down with clients and going through their current assets/liabilities.

This simple step in my process can be very eye opening and valuable for clients as most of the time, people haven’t always done a stock take to see how much everything is worth when you start adding it all together.

Address

Tea Tree Plus Shopping Centre, Shop 12/18 1020 North East Road
Adelaide, SA
5092

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+61400824698

Website

http://www.robertsra.com.au/

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