Make your retirement dreams come true.

Retirewise is a team of retirement financial advisers located in Sydney, Australia.

We specialise in helping busy individuals create personalised wealth creation plans to achieve their goals for financial independence and a dream retirement.

We are known for our partnership approach because our team will work closely with you to create achievable plans and get results.

Our ultimate goal is to help people become happy retirees in the future.

Working with a financial planner in Sydney can be particularly beneficial when planning for retirement.

Retirement planning can be a complex and overwhelming process, and a financial planner can help you navigate the many decisions you'll need to make.

They can help you create a personalised retirement plan based on your unique financial situation, goals, and risk tolerance.

They can also help you make informed decisions about when to retire, how to invest your savings, and how to manage your income and expenses in retirement.

A financial planner can help you develop a comprehensive retirement plan that takes into account factors such as inflation, taxes, and unforeseen expenses.

By working with a financial planner, you can have greater confidence in your retirement plan and feel more prepared for the future.

You may want to consider working with a financial adviser when you are planning for retirement, particularly if you have complex financial needs or goals.

Some examples of when you may want to seek the advice of a financial adviser include:

When you are nearing retirement age and need help creating a retirement plan that takes into account your savings, investments, and expected retirement expenses.

When you have retirement savings in multiple accounts, such as a 401(k), IRA, or pension, and need help coordinating your investments to meet your retirement goals.

When you have a high net worth and need help managing your wealth to ensure you have enough money to support your retirement lifestyle.

When you want to maximise your Social Security benefits and need help understanding the rules and strategies for claiming benefits.

When you have a complex estate and need help with estate planning, including creating a will or trust, minimising estate taxes, and transferring wealth to your heirs.

A financial adviser can help you navigate these complex financial issues and create a comprehensive retirement plan that is tailored to your needs and goals.

In Australia, financial advisors who provide retirement planning services are regulated by the Australian Securities and Investments Commission (ASIC). Financial advisors must hold an Australian Financial Services (AFS) licence and meet certain professional standards in order to provide financial advice to clients.

While most financial advisors in Australia are reputable and have their clients' best interests in mind, it's important to do your due diligence and carefully vet any potential advisors before hiring them. You can check whether an advisor is licensed and registered with ASIC through their Financial Adviser Register (FAR) website.

It's also important to understand how your financial advisor is compensated. Some advisors receive commissions or other incentives for recommending certain investment products, which can create a conflict of interest. Others are fee-only advisors, meaning they are paid solely by their clients and do not receive any commissions or incentives. It's important to understand how your advisor is compensated and whether their compensation structure aligns with your best interests.

Ultimately, it's important to choose a financial advisor who is transparent, trustworthy, and has a track record of helping clients achieve their retirement goals. Don't be afraid to ask questions and take your time in choosing an advisor who is the right fit for you.