How we help
Retirement planning that goes beyond the numbers.
Retirement planning isn't just about how much you've saved. It's about knowing what you can spend, when you can stop working, and how to structure everything so you don't lie awake at night wondering if you've got it right.
Why we're different
Other advisers talk about returns. We talk about readiness.
As Retirement Transition Specialists, we focus on the decisions that actually keep people up at night: when to stop, what to spend, and how to make your money last.
Typical approach
- Returns and portfolio performance
- Generic wealth creation
- Financial products and services
- Compliance and ongoing reviews
Our approach
- Retirement readiness and timing
- Confidence and decision clarity
- Lifestyle planning for the next chapter
- Making work optional sooner
- Peace of mind that your money will last
What we help you with
Six ways we help you get retirement right.
Most clients start with retirement readiness planning. From there, we bring in whichever of the other services your situation calls for.
Retirement readiness planning
Best for: everyone approaching retirement
The centrepiece of what we do. We take a complete look at your financial position, including your super, savings, income, assets, debts and entitlements, and give you a clear picture of when retirement is realistic and what it will actually look like.
Investment strategies & wealth building
Best for: building wealth at any age
Building wealth isn’t just for people with excess cash or existing assets. We build portfolios around your goals and risk tolerance, then stay with you through ongoing advice, research and portfolio management.
Superannuation strategy
Best for: making the most of your biggest asset
Your super is likely one of your most valuable assets. We help you understand your contribution options, how your money is invested, and how to structure it so you’re not leaving money behind.
Transition to retirement
Best for: still working, past preservation age
Not everyone stops work all at once. A transition to retirement strategy can let you draw an income from your super while you’re still employed. We’ll tell you whether it makes sense for you, and set it up properly.
Tax planning
Best for: high earners and surplus cash flow
The rules around super, Centrelink and tax are complex, and they change. We cut through the noise, show you what applies to you, and help you act before the window closes.
Centrelink & age pension optimisation
Best for: retirees and those close to it
Getting Centrelink right is more nuanced than most people realise. We explain what you’re entitled to, how the assets and income tests work, and how to structure your income so nothing’s left on the table.
Building wealth is only half the story. The other half is knowing when you've done enough, what you can spend, and how to enjoy it without fear.
Our Approach
What working with us looks like
Discovery meeting
We start by listening: your goals, your concerns and what retirement actually means to you.
Data collection
Super, investments, income, debts and any entitlements you might be missing out on.
Strategy
The deep thinking: contributions, tax, Centrelink and retirement timing.
Financial plan
Your path to retirement in plain English. No jargon, no unnecessary complexity.
Implementation
We put the plan into action alongside you, so nothing falls through the cracks.
Review and update
Life changes, so your plan should too. We check in regularly to keep you on track.
“Damien and Connie are professional, approachable and always take the time to explain things clearly. Damien considers our individual needs and recommends what is best for us. His advice on our finances and insurance is helping us get on the right track, and his ongoing support has been invaluable. We would recommend Damien and the team to anyone seeking financial advice.“
Judy & Darryl
“Connie guided us through the process and took the time to answer all our questions. She gave us the confidence that retirement was a very real possibility and developed a thorough plan for our future. We have been very happy with the professionalism and advice provided by Progressive Wealth Solutions. We now look forward to retirement feeling confident and financially secure.“
Simon & Pamela Favale
“One of the biggest benefits of working with the team has been their help navigating Centrelink and making sense of all the jargon. Everyone is easy to deal with and understands our circumstances, so no matter who we speak to, they know what is happening. They are always willing to answer our questions, and no question ever feels too silly.“
Carolyn Little
“Damien and Connie took the time to explain everything in straightforward terms and helped us complete all the necessary paperwork, making our transition to retirement a straightforward and stress-free process. Their advice and support have gone above and beyond.“
Brian & Angela
Not sure what you need?
That’s exactly what a Retirement Clarity Call is for. We’ll work out together where to start.