Prepared for Jamie Nemtsas
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When your salary stops, groceries, power bills and the things you want to enjoy keep costing money.
That's why retirement planning needs to look beyond a super balance. The useful question is how your super, investments and other resources may support the income your life needs once work stops.
At Wattle Partners, we help Australians over 50 plan retirement income around their spending, timing and priorities, then review the advice as life changes.
If you're starting to think about how life will be funded after work, click the link to see how Wattle approaches retirement advice.
Once you're over 50, the questions about retirement tend to arrive in different places.
Your super balance, investments and tax questions often sit in different conversations, while you're still trying to work out what income you'll need when work stops.
Those decisions affect each other, so Wattle Partners considers them against one retirement direction. The advice brings your income needs, super, investments and tax position into the same plan, with other professional input where it's needed.
Click the link if you'd like to understand how connected retirement advice works.
How much money do you need to retire?
It's a common question, but a lump sum can't tell you what your retirement will cost. Someone who plans to travel often may need a different income from someone who wants a quieter week close to family.
Start with the life. Think about ordinary spending, the things you'd like to do more often and the flexibility you want to keep. Then look at how your super, investments and timing may support that income.
Wattle Partners specialises in ongoing retirement advice for Australians over 50. To see how the planning starts, click the link.
Colleague: What happens if someone's retirement plan is already in place, then life changes?
Adviser: We go back to what changed and work through what it affects. It might be new spending, a family commitment or a different date for finishing work.
Colleague: So the original plan doesn't just sit there?
Adviser: No. Wattle's ongoing service includes quarterly reviews, updates and direct access when questions come up. That gives us a regular chance to check whether the advice still fits the person's circumstances.
Adviser: If you want your retirement advice reviewed as life changes, click the link to learn more about the Wattle Way.
Lee: When we retire, I'd love to spend a few months travelling.
Sam: I'd enjoy that too. I just wouldn't want to be away from the family for that long.
Lee: What if we travelled between the things we want to be home for?
Sam: That sounds better. We'd still need to work out what we could spend while we're away and at home.
Lee: Yes, because both versions need to fit the same retirement income.
Narrator: Wattle Partners helps couples put both sets of priorities into one retirement plan, with super, investments and income considered together. If retirement looks a little different to each of you, click the link to see how Wattle can help you start the discussion.
If you're over 50, the money you've built in super and investments has one job ahead of it: supporting the life you want after work.
Wattle Partners helps Australians over 50 plan how that money can provide retirement income, then keeps the advice current as spending, markets, tax rules and family priorities change.
If you'd like to find out whether that kind of advice may suit you, fill in the short form below this video and answer each question as accurately as you can. Depending on what you tell us, the team may invite you to book a 15-minute introductory call. There's no cost, obligation or preparation involved in that call.
Retirement planning often begins with a balance. You look at what's in super, add any investments outside it and ask whether the total is enough.
Your balance tells you how much you have today. It can't describe what an ordinary month may cost once work stops, how much flexibility you'd like for travel, or what you may want to do for family.
Those choices shape the income your retirement needs to support. Then your super, investments, timing and tax position need to be considered together, because a decision in one area can affect the others.
For a couple, that work also starts with a shared picture of retirement. One person may be ready to travel for months at a time. The other may want to stay close to family. Neither priority is wrong, but both need to be understood before the financial plan is built around them.
Wattle calls its advice process the Wattle Way. It begins with discovery and goal setting, then moves through strategy and implementation. The relationship continues through quarterly reviews, updates and direct access when a question comes up.
Retirement doesn't stand still, so the advice needs a regular place to be reviewed. Spending can change. A family commitment may arrive. You may stop work earlier than expected, or decide to keep working in a different way. A plan made once and left alone can lose touch with the life it's meant to support.
Wattle says it works exclusively with Australians over 50 and has helped more than 1,000 families over more than 20 years. Its advice covers retirement income, investments, superannuation and tax strategy, with risk and estate-planning needs considered as part of the wider picture.
That doesn't mean every person needs the same strategy. Wattle doesn't publish a standard minimum balance, a standard ongoing fee or a guaranteed result. Personal advice depends on your objectives, financial situation and needs.
The introductory call is there to understand why you're looking for advice and whether it makes sense to keep talking. It isn't a promise of advice, a finished retirement plan or an automatic invitation to become a client.
If the team believes its ongoing service may fit your situation, it can explain what would happen next, what information would be needed and how the proposed work would be scoped. You can then decide whether you want to proceed.
This approach is for someone who wants retirement decisions considered together and reviewed over time. You may find it useful if you want to understand how your super, investments, spending and timing support the same retirement.
Someone looking for a speculative tip, a one-off transaction or a guaranteed return will need a different service. Wattle's published model is an ongoing advice relationship, so the fit needs to make sense on both sides.
Client reviews published on Adviser Ratings in July 2019 give some detail on how that relationship has worked in practice. One client described receiving retirement-planning advice across several issues, with the available options and their upside and downside explained. Another said the adviser helped with a self-managed super fund and managing debt. That work included loan-product advice, with full care and attention when it was needed. Those reviews are older, so they shouldn't be treated as recent results. They do show the kind of support those clients experienced: clear explanations and visible trade-offs, with advice connected to their own circumstances.
If you want to plan how your wealth can support your retirement, complete the form below this video. Answer each question accurately, and depending on your situation, the Wattle Partners team may invite you to book a 15-minute introductory call.
This is general information only. Personal advice depends on your objectives, financial situation and needs.
Thanks for booking a call with Wattle Partners.
You may be here because retirement is getting closer, or because a change has raised a question about the plan you already have.
The introductory call gives you a chance to explain what you're thinking about and ask how Wattle works. It isn't a finished retirement plan or personal advice. If the ongoing service may fit your situation, one of our team members can explain what would happen next. If it doesn't look like a fit, they'll tell you that too.
We'll send you a few short emails before the call with practical things to think about. You'll also find several short videos below. Watch the ones that relate to your question, so the call can spend less time on general information and more time understanding why you reached out.
Have your main retirement question nearby. One of our team members will take it from there on the call.
Wattle doesn't publish a standard ongoing fee on its website, so we won't guess what advice would cost in your situation.
The introductory call has no cost or obligation. If Wattle's ongoing service may suit you, the team can explain the proposed scope, the next step and any fee information that applies before you decide whether to proceed.
Ask what the proposed work includes, how often it's reviewed and what support sits inside the fee. You should have enough information to assess the service before making a commitment.
An introductory call doesn't commit you to becoming a client, and it doesn't guarantee that Wattle will recommend a particular strategy.
The call is there to understand why you're looking for retirement advice and whether Wattle's ongoing model may fit. If it doesn't, you can stop there. If it may fit, the team can explain the next step and what information would be needed for personal advice.
No financial plan can guarantee a return or remove every future change. The proposed advice still needs to make sense for your objectives, financial situation and needs.
Wattle says it has more than 20 years of experience and has helped more than 1,000 families. It also publishes the nine-stage Wattle Way, including implementation, quarterly reviews, updates and direct access.
Those facts describe the firm and its process. They don't promise the result of personal advice.
Use the call to ask who you'd work with, how the advice would be maintained and what the proposed service would cover. Those answers can help you judge whether the relationship fits what you need.
You don't need to prepare a finished financial plan for the introductory call.
Bring the retirement question you most want to discuss. If they're easy to find, keep a recent super statement, a rough idea of household spending and a list of your main investments, assets or debts nearby.
Rough figures are enough to explain where things stand. One of our team members can tell you which details would be useful if you decide to take another step.
The introductory call helps the team understand why you're looking for advice and whether Wattle's ongoing retirement service may fit your situation.
If it may fit, one of our team members can explain the proposed next step, what information would be needed and how the work would be scoped. Personal advice comes later, after your circumstances have been properly considered and you've agreed to the relevant work.
You can ask questions about the service and decide whether you want to continue.
Bring your main retirement question
Preview: One clear question is enough to start the call.
Send: Immediately after booking
Thanks for booking a 15-minute introductory call with Wattle Partners.
Before the call, write down the retirement question you most want to discuss. It may be about income after work, how your super and investments fit together, or a change you're considering.
You don't need to prepare a finished plan. One clear question gives the team a useful place to begin.
Kind regards,
Wattle Partners
What should retirement make room for?
Preview: A normal week gives your financial plan something real to support.
Send: Day 1, morning
Think about an ordinary week after work.
Where would you spend your time? What would you like to do regularly? Which family commitments, hobbies or travel plans should your retirement leave room for?
Write down your priorities. That picture helps turn a broad money question into a practical retirement discussion.
Kind regards,
Wattle Partners
Rough figures are enough for the call
Preview: Keep your main super and investment details nearby if they're easy to find.
Send: Day 1, afternoon
If they're easy to find, keep a recent super statement, a rough view of household spending and a list of your main investments, assets or debts nearby.
The figures don't need to be organised into a spreadsheet. They may help you explain where things stand and identify which details would be useful if you decided to explore advice.
Kind regards,
Wattle Partners
What could change before you retire?
Preview: Work, family and spending can move before a plan is finished.
Send: Day 2, morning
Retirement plans need to allow for real life.
You may finish work earlier than expected, help a family member or change where you live. Write down one change that would have the biggest effect on your retirement plans.
You don't need to solve it before the call. Naming it helps the team understand what your advice may need to consider.
Kind regards,
Wattle Partners
Bring the trust question with you
Preview: Understand the process before deciding whether to continue.
Send: Day 2, afternoon
If past financial advice has felt generic or product-led, bring that concern to the call.
Wattle says it doesn't offer speculative tips, one-off advice or transactional services. Ask how your objectives and financial position would shape any proposed work, who you'd deal with and when you would see the scope and fees.
You can assess those answers before deciding whether to continue.
Kind regards,
Wattle Partners
Ask what ongoing advice would include
Preview: The public website doesn't list a standard ongoing fee.
Send: Day 3, morning
Wattle doesn't publish a standard ongoing advice fee on its website, so the team won't assume what your situation requires before speaking with you.
The introductory call has no cost or obligation. If Wattle's service may suit you, ask what the proposed work would include, how it would be reviewed and when the relevant fees would be explained.
You should understand the next step before deciding whether to take it.
Kind regards,
Wattle Partners
What happens after a plan is implemented?
Preview: A retirement plan still needs somewhere to be reviewed.
Send: Day 3, midday
Retirement doesn't stay fixed after a plan is written. Spending, work, family needs, markets and rules can all change.
Wattle's published process includes quarterly reviews, updates and direct access for questions. On the call, ask how that ongoing service works and which changes would prompt a closer review.
The answer will help you assess whether the relationship suits the kind of support you want.
Kind regards,
Wattle Partners
What to expect on your Wattle call
Preview: Discuss your question, the service and whether there's a fit.
Send: The day of the call
Your introductory call is a chance to explain why you're looking for retirement advice and ask how Wattle works.
The call doesn't provide a finished plan or commit you to ongoing advice. If Wattle's service may suit your situation, the team can explain what would happen next and what information may be needed.
Have your main question and broad figures nearby. If the time no longer works, use the details in your booking confirmation to change it.
Kind regards,
Wattle Partners
What does your retirement need to fund?
Preview: Your super and investments need a retirement purpose.
A super balance tells you how much has accumulated. It can't tell you what that money needs to support once work stops.
Start with an ordinary week in retirement. Note where you want to live, how you want to spend your time and which commitments you want room for. Add larger plans, such as travel, home changes or help for family.
Now your financial position has a practical question to answer: how might your super, investments and other resources support that life?
The answer depends on your circumstances. Beginning with the life helps keep the financial decisions connected to what the money is for.
Kind regards,
Wattle Partners
One retirement change can affect several others
Preview: Work, spending, super and tax don't move in isolation.
Reducing your workdays changes income now. It may also change when you begin drawing on savings and how long those savings need to support you.
A housing decision can affect spending, available capital and the life you picture after work. Helping family may also change what you want to keep available for yourself.
List the retirement decisions you're considering, then draw a line between the ones that affect each other. The exercise won't provide personal advice, but it can show why separate decisions deserve one retirement direction.
Kind regards,
Wattle Partners
A retirement plan should keep changing with you
Preview: The useful question is whether the advice still fits your life.
A retirement plan is built from a set of circumstances and assumptions. Spending, family needs, markets and rules can all change over time.
When that happens, review whether the advice still fits your current position and priorities.
Wattle's published process includes quarterly reviews, updates and direct access for questions. That ongoing structure gives retirement decisions a regular place to be reconsidered.
Kind regards,
Wattle Partners
Do you picture the same retirement?
Preview: Different priorities can still belong in one shared plan.
One person may picture long trips after work. The other may want more time close to family.
Both can want a good retirement while imagining very different weeks. Those differences affect spending, timing and the flexibility a shared plan may need.
Try describing your ideal retirement separately, then compare the two pages. Look for what you agree on, where the pictures differ and which choices need a financial discussion.
The exercise makes both versions visible before the plan is built.
Kind regards,
Wattle Partners
What happens on an introductory call?
Preview: Ask about the service before deciding whether to take another step.
An introductory call gives you a chance to explain why you're looking for retirement advice and ask how the firm works.
Wattle's published entry point is a 15-minute call with no cost, obligation or preparation required. It isn't a finished retirement plan or personal advice. If Wattle's ongoing service may fit your situation, the team can explain the proposed next step before you decide whether to continue.
If you'd like to discuss your retirement question, you can book the introductory call through Wattle Partners.
This is general information only. Personal advice depends on your objectives, financial situation and needs.
Kind regards,
Wattle Partners
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