Retirement Financial Planning | Aurora Wealth
Retirement Advisor / Planner

Start Your Retirement Journey With Confidence

I believe retirement should be a time of freedom and fulfillment. I’m Micheal, your dedicated retirement financial advisor
at Aurora Wealth, and I work closely with you to design a retirement plan that turns your aspirations into reality.

Whether you’re preparing to stop work soon or planning decades ahead, I’ll take the time to understand your goals, simplify the
complicated financial jargon, and create a clear path forward.

How Aurora Wealth Helps You

When you choose Aurora Wealth, the focus will be on making your retirement planning experience straightforward, personalised, and empowering.

Here’s how I help:

Personalised strategies: I take the time to understand your financial situation, lifestyle, and financial goals, then create a plan tailored to you.
Clarity and confidence: I cut through jargon so you know exactly what decisions you’re making and why.
Technology-driven advice: I use planning tools to help you visualise your financial journey and track progress toward your financial future.
Local and accessible: Meet in my Narre Warren office, at your home, or via Zoom — wherever works best for you.
Ongoing support: Retirement isn’t a “set and forget.” I’ll regularly review your plan and provide advice whenever your circumstances change.

Book Your Discovery Call

WHAT OUR CLIENTS HAVE TO SAY

What was it like working with Aurora Wealth?

“After each meeting, you follow up with an email detailing what was discussed which was of great assistance.”

John & Bernice Sibberas

“I was going to say great bloke, easy to get on with etc etc, but then I thought What If – I stayed with Works super fund with no information or planning,
I would not have had the last 2 years getting to really know Mum as Dementia took hold,
I would not have had the time home with my wife,
I would still be working, ( although unemployed now due to covid, or the company going into voluntary liquidation(true))
I would not have had our cruise, trip to Qld, my homemade camp trailer etc etc
Most of this was possible due to discussions with Micheal showing me that I could retire when I did.
I would not have made that decision by myself, I would have kept working and stressing, typing data into Excel and hoping I was on track.”

Ian & Lee

“I have trust in you. And you are always accessible to me for your help and guidance.”

Geraldine Turner

If someone were thinking about working with Aurora Wealth, what would you tell them?

“I have been impressed with your care and attention to my needs. You are very approachable and, although I am probably just a small client, you treat me as an important client.”

Anne Graham

“That you are patient, considerate and compassionate. Your work ethics are excellent. They will not find a better financial advisor to assist them through the difficult stages of retirement, as these things change frequently.”

John & Bernice Sibberas

“Without hesitation.”

Geraldine Turner

How has this impacted you personally?

“Although I am not a big spender, I feel like I don’t have to live day-to-day, and scrimp.”

Anne Graham

I can manage my bills

Geraldine Turner

“Feeling more in control of my finances makes me much more relaxed.
Being Retired and relaxed is great, I can drive the granddaughter to school in the mornings, walk the dog, ride a bike, and an occasional coffee out with the wife is great too.
If someone was thinking about working with me, what would you tell them?
Do it. Micheal takes the time to listen to you, then gives you his advice without the hype and pressure, tells you why he wants to make a change, and then rolls out graphs and info. The decision is up to you. He is also a valuable resource for Centrelink queries.”

Ian & Lee

“We were able to retire early while still healthy and to have you assist with not only with advice for our future but to navigate the intricacies of Centrelink to achieve the best outcome financially.”

John & Bernice Sibberas

What are the specific results you have been able to achieve (from your perspective)?

“I have been able to accumulate some decent superannuation from salary sacrificing and contributing extra funds.”

Anne Graham

Regular pension from super

Geraldine Turner

“The main one is that I have been able to retire 3 years early, and not worry (overly much) that the money will run out. That lack of worry is the second main result, allowing me to enjoy my life. With the extra information I have been able to get from you Micheal and the funds online statements etc I feel comfortable planning activities, even though the aged pension is not available for me yet.
I guess it is impossible to say but I am sure my financial position is better than it would have been if I had not acted, and accepted Micheals advice.”

Ian & Lee

“We have been able to retire early confident that the advice provided was sufficient to proceed with moving, building and still have funds monthly that met all our needs.”

John & Bernice Sibberas

What was your biggest objection to starting?

“No objections as such, just nervous as I had so little experience in these matters.”

Anne Graham

“Lack of knowledge, in the previous 30 years of contributing to Super funds, I had (I guess) less than 10 discussions with Super Reps about MY funds.
Partly I thought I could not afford the extra fees. But I was already paying and not getting the advice.”

Ian & Lee

“Fees as I’d already paid set up fees and on goings to NAB.”

Geraldine Turner

“That you would remain in the business to see us through.”

John & Bernice Sibberas

What was the biggest challenge before working with Aurora Wealth?

“I had very little experience dealing with long-term financial matters such as investments, and yet, as I was getting older, I needed to look into the future and start making decisions that would impact me as I neared retirement.”

Anne Graham

“The GFC was recent news, and started me monitoring my super funds performance, and looking at fees. The biggest challenge was my lack of understanding about my financial future. Probably more through being prompted by staff at the NAB when applying for “another” loan, I agreed to see a Financial Planner.”

Ian & Lee

“Just how I was going to make my money last.”

Geraldine Turner

“Having someone we could work with that was trustworthy, who understood not just the retirement funds but all the Centrelink guidelines and how to traverse them.”

John & Bernice Sibberas

Retirement Financial Planning Services

Tailored Retirement Plans

I’ll help you answer the big questions that shape your retirement:

What do people do in retirement?
How much income will I need?
Am I eligible for the Age Pension or Centrelink payments?
Can I keep working part-time without losing benefits?
What’s the best way to fund my lifestyle long-term?
What are Centrelink’s gifting rules?

Together, we’ll build a personal financial plan designed around your goals.

Book Your Appointmen

Superannuation Advice

Getting your super right could be the difference between working longer or retiring earlier. I’ll help you:

Consolidate super accounts to reduce administration fees
Maximise concessional contributions and tax-free benefits
Regularly check your super balance and investment options

Plan for your preservation age and access rules
Understand how the transfer balance cap may affect your retirement income

Book Your Appointment

Super Accounts and Contribution Caps

Many Australians aren’t aware of how much difference a single super account, managed well, can make. I’ll guide you through:

Identifying the right super fund and super account for your needs
Understanding the concessional contributions cap and how it applies

Exploring different investment options within your super
Checking accounts and balances regularly to ensure fees aren’t eroding returns

Even small improvements here can significantly affect the lifestyle you enjoy in retirement.

Book Your Appointment

Insurance & Protection

The unexpected happens. I’ll review your cover and help you decide whether Life, TPD, Trauma, or Income Protection Insurance is right for you. I’ll explain whether your super fund policies are enough — and when it’s time to review.

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Retirement Income Planning

I’ll create a clear plan for your retirement income, covering:

Tax-free age pensions and annuities
Centrelink payments and eligibility

Blending super fund income with managed funds and investments
Structuring your accounts and income so your money lasts throughout retirement

Book a Discovery Call

Estate Planning & Protecting Your Legacy

I’ll help you prepare a strategy that protects your loved ones:

Drafting or updating a will
Superannuation beneficiary nominations

Powers of attorney
Disability trusts and Centrelink considerations

Estate planning ensures your wealth and financial products go where they should, in line with your wishes.

Book a Discovery Call

Tax & Investment Guidance

I’ll help you find the most efficient use of your money with strategies such as:

Salary sacrificing to super
Negative gearing and investment property options

Managed funds and alternative investments
Deciding whether to reduce debt, adjust your budget, or invest

Book a Discovery Call

Comprehensive Retirement Advice

There’s no one-size-fits-all solution in retirement planning. I provide personal financial advice that’s comprehensive, not general advice. That means:

Your plan is based on your personal circumstances, not generic assumptions
I deliver personalised advice that aligns with your lifestyle objectives
Together, we’ll set clear financial goals to guide decisions now and into the future
You’ll have ongoing reviews to make sure your strategy still fits as life changes

This is how we create a roadmap to your financial future with confidence.

Book a Discovery Call

Aurora Wealth - Retirement Planning - What to expect on your first appointment

Why Ongoing Advice Matters

Life changes, and so should your financial plan. I’ll regularly review your super balance, retirement income, and insurance cover to make sure you stay on track. Ongoing advice means you’ll always have clarity and confidence about your future.

What to Expect From Your First Meeting

Your journey begins with a free discovery call, followed by a detailed one-hour consultation. In this meeting, I will:

Review your finances and personal circumstances
Discuss your lifestyle objectives and retirement goals
Provide comprehensive advice tailored to your needs
Map out a strategy to help you achieve them

We can meet in my Narre Warren office, your home, or online via Zoom.

Informational Guides & Resources

While the sections above focus on how I help you directly, here are some additional resources if you’d like to learn more:

What is Retirement Financial Planning? – For an overview of the process.
Understanding Your Preservation Age – This explains when you can access your super.
Explaining the Transfer Balance Cap – Find out the limits on retirement income streams.
Fee-for-Service Advice Explained – More on why transparency matters.
Government Resources – Learn more on the MoneySmart website and Services Australia for independent information.

Book Your Appointmen

FREQUENTLY ASKED QUESTIONS

When should I seek financial advice about retirement?

It’s never too early. Even small contributions in your 30s or 40s can compound into a stronger retirement position. If retirement is close, it’s still not too late; there are always strategies we can put in place.

What is the preservation age?

Your preservation age is the earliest age you can access your superannuation, which is between 55 and 60, depending on your date of birth. Planning around this milestone ensures you don’t draw down your super too soon.

How much income will I need in retirement?

Everyone’s lifestyle goals are different. I begin by looking at your essential living costs, then layer in extras like travel, hobbies, and family support to create a realistic retirement income plan.

What’s the difference between general advice and personal advice?

General advice is information that doesn’t take your personal circumstances into account. Personal advice is tailored to you and your goals. I provide comprehensive, personalised advice that’s always in your best interests.

Do financial planners get paid by product providers?

Some do, but I don’t. Aurora Wealth operates on a transparent fee-for-service basis. That means my recommendations are focused on what’s right for you, not what benefits product providers.

What is the transfer balance cap?

The transfer balance cap limits how much super you can transfer into a tax-free retirement income stream. I’ll make sure you understand how it works and that your strategy stays compliant.

How do I know your advice is in my best interests?

Aurora Wealth operates under an Australian Financial Services (AFS) licence, and I provide every client with a Financial Services Guide. My advice is delivered on a fee-for-service basis, with your best interests at the centre of every decision.

Retirement Planning Across Melbourne & Beyond

Aurora Wealth is located in Narre Warren, close to Fountain Gate and the Dandenong Ranges. I provide retirement financial planning across Berwick, Cranbourne, Dandenong, Pakenham, Keysborough, Frankston, and surrounding suburbs.

I also offer remote services via Zoom, helping clients Australia-wide.