Robert's Retirement Advisory

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.

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 h...
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.

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...
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.

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

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 move...
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.

28/09/2025

Here in SA – we have compulsory third party (CTP) insurance which is paid for at the same time as motor vehicle registration.

I am no expert on vehicle insurance but I have heard friends/family when talking about vehicle insurances mention that they think CTP covers damage to another person’s car – where in fact it doesn’t (it is only designed for cover for injury/death for other road users – refer sa.gov.au website for full details). Separate third party property insurance/comprehensive is generally what covers damage to property – not the compulsory third party that all vehicles registered must have.

Now, to some the above might seem like common knowledge, but just like what I see day to day with superannuation and retirement planning, what seems like common knowledge to some can actually be brand new concepts to others. It is always good to ask questions and challenge what might have been your existing knowledge to make sure what you know is correct.

09/09/2025

For clients of mine who are nearing retirement or in retirement.

Superannuation is usually their biggest asset outside of the home.

With superannuation in Australia – there is a lot of choice and options.

When I see people for the first time – they usually aren’t aware of how one of their biggest assets are invested (i.e. superannuation).

This differs for when I ask them how much their home is worth, they know what the council valuation is, what it was worth X number of years ago and how much the house sold down the road for with one less room than theirs etc.

A home feels tangible to everyone and people pay attention to the value/characteristics, but superannuation is also tangible which is why it is important to know where it is at and how it is invested.

25/08/2025

Probably a good reminder that things can change — and do change — with the assessment of Social Security entitlements.

What I’m referring to is that on the 20th of August 2025, it was announced there will be a 0.5% increase to the upper and lower deeming rates for those on a Social Security entitlement that could be impacted by a deeming rate (i.e., Age Pension and some others).

This will take effect from the 20th of September 2025. It’s easy to get complacent, and since 2020, they were frozen at record-low levels due to the COVID-19 pandemic.

To put things in perspective, the RBA cash rate is 3.6%, and the new upper deeming threshold is still only 2.75% (increased from 2.25%). There are many factors that go into determining the deeming rate (not just the RBA cash rate) — it just highlights that since probably late 2022, even with things like savings accounts, a lot of pensioners were probably earning above the deeming rate anyway.

This will mainly impact those on income-tested entitlements and, although not likely, may impact those who are asset-tested and who might now become income-tested (depending on other sources of income such as employment or financial assets, etc.).

31/07/2025

Look, I will admit I haven’t actually tallied up the exact statistics but I would say at least 70% of new clients I have seen recently have non-binding death benefit nominations within their superannuation fund.

Now if you have chosen that for a reason or are aware of it – then that’s fine if that’s your wishes’, but for many clients they weren’t aware or understand the different options available.
This is why it is important to seek financial planning and legal advice from qualified practitioners to make sure your wishes regarding superannuation and other assets get passed on as per your wishes.

17/07/2025

As we enter the new financial year, it’s a good time to reflect on the year that has passed.
Sometimes we’re forced to reflect (i.e. we need to do our tax returns!).
And other times we see things on the TV etc like various super funds’ performance numbers for last financial year.
One thing to note – the return you see on TV isn’t always reflective of your individual account.
It depends on what you’re invested in (even within the same super fund) and factors like the timing and amount of any contributions or withdrawals made during the year – all of which can affect your actual return.

Address

3/131 Mawson Lakes Boulevard
Adelaide, SA
5095

Opening Hours

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

Telephone

+61400824698

Website

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