Retirement Planning
Financial Planning for Retirement in Australia
Expert retirement investment planning & personalised financial advice.
- ASIC Registered
- Certified Advisors
- 15+ Years Experience
Planning Your Retirement Shouldn’t Be Stressful
- Unsure how much you need
- Worried about rising costs
- Confused about investments
- No clear roadmap
We help Australians build secure, flexible, and tax-efficient retirement plans with confidence.
Our Approach
How We Help You Plan Better
We help clients make confident financial decisions through expert planning and long-term guidance.
Personalised Strategy
Tailored financial solutions designed around your unique goals, lifestyle, and future aspirations.
Goal-Based Planning
Structured planning focused on achieving your short-term milestones and long-term financial success.
Risk Management
Comprehensive risk assessment to protect your wealth, assets, and financial stability.
Long-Term Support
Ongoing guidance and regular reviews to keep your financial plan aligned with life changes.
Independent Advice
Unbiased recommendations focused solely on your best interests and financial wellbeing.
Transparent Fees
Clear, upfront fee structure with no hidden costs, ensuring complete trust and clarity.
What We Offer
Our Retirement Planning Services
Retirement Investment Planning
Strategic investment planning designed to build a secure retirement corpus and generate sustainable income for your future lifestyle.
Financial Advice for Retirement
Superannuation Optimisation
Tax-Efficient Income
Strategies designed to minimise tax liabilities while maximising your retirement income and cash flow.
Wealth Protection
Comprehensive strategies to safeguard your assets and secure your financial future against unexpected risks.
Estate Planning
Careful planning to ensure your assets are distributed according to your wishes while protecting your family’s financial future.
Our Proven Retirement Planning Process
01
Initial Discussion
We gather details about your financial position and goals to define the scope of advice.
02
Decision to Proceed
You receive a clear quote for developing your Statement of Advice (SoA).
03
Developing Your Plan
We research and create a personalised strategy documented in your SoA.
04
Presenting Your Plan
We explain recommendations, risks, costs, and provide your SoA.
05
Implementing Your Plan
We assist with paperwork and execution of your financial strategy.
Why Australians Trust Greybox Wealth
We regularly ask our clients how they feel about working with us. Their feedback helps guide everything we do – and the results speak for themselves.
- 500+ Clients
- 15+ Years Experience
- ASIC Registered
- Proven Results
- Independent Advice
- Ongoing Support
Meet Our Staff
Phillip Monaghan
Phillip’s extensive experience in the financial services industry covers 20 + years across various advising and management roles.
Phillip has spent the majority of his advising career working with clients transitioning into retirement and utilising superannuation and Centrelink to maximise his clients retirement outcomes.
Outside of work, Phil can be found at home looking after his horses and spending time with his wife and two daughters.
Marty Southcombe
Marty has worked in the financial services industry for the past 10 years, starting with the Commonwealth Bank and moving into various other roles within the superannuation industry and the private sector.
Marty has had broad exposure to the financial advice industry. From providing advice on protection needs, to helping clients transition to retirement, and managing wealth portfolios on an ongoing basis.
Marty enjoys spending time with his young family or down at his local – The Golden Square Hotel.
SUCCESS STORIES
Real Results for Real Clients
Pre-Retirement Planning
Couple, 58 & 60, planning to retire in 5 years
Before
Unclear retirement income projections and high exposure to market volatility.
Strategy
Rebalanced investment portfolio, optimised super contributions, and implemented tax-efficient income modelling.
Result
Projected retirement income increased by 22% with reduced risk exposure.
Wealth Protection
Business owner with growing asset base
Before
No structured estate plan and insufficient insurance protection.
Strategy
Implemented asset protection structures, insurance coverage, and comprehensive estate planning.
Result
Secured family wealth and ensured smooth wealth transfer planning.
Retirement Optimisation
Recently retired professional
Before
High tax liability on retirement
withdrawals.
Strategy
Structured tax-efficient income
streams and optimised superannuation withdrawals.
Result
Reduced annual tax by 18% and improved sustainable income planning.
TESTIMONIALS
What our clients say
Frequently Asked Questions
What services does Greybox Wealth offer?
Greybox Wealth provides comprehensive financial planning services, including retirement planning, wealth and investment management, superannuation reviews, Centrelink and Age Pension support, financial protection strategies, and guidance for aged-care planning. Our focus is on delivering clear, tailored advice to help you make confident long-term financial decisions
Is the first appointment really free?
Yes. Your first appointment with Greybox Wealth is completely free and obligation-free. This initial meeting allows us to understand your financial situation, answer your questions, and outline how our financial planning services may help you achieve your goals.
How do I know if I’m ready for retirement planning?
You’re ready for retirement planning when you want confidence about your financial future — whether that’s understanding your superannuation balance, planning your retirement income, assessing your Centrelink (Age Pension) entitlements, or preparing for aged-care needs. If you’re unsure what your next steps should be, Greybox Wealth can help you clarify your goals and build a retirement strategy that suits your situation.
Can Greybox Wealth help with Superannuation and Centrelink benefits?
Yes. Greybox Wealth provides detailed superannuation reviews to ensure your fund and investment options align with your retirement goals. We also assist with Centrelink and Age Pension guidance, helping you understand how your savings, assets, and income streams interact with Centrelink rules so you can maximise your entitlements with confidence.
Will your financial advice be tailored to my personal situation?
Absolutely. As a boutique financial planning firm, Greybox Wealth provides fully personalised advice designed around your individual goals, lifestyle, and financial circumstances. Whether it’s retirement planning, investment management, or financial protection strategies, we ensure every recommendation is tailored to what matters most to you.
Our Blogs
New Super Tax in Australia: What Financial Advisers Are Telling Clients About Retirement Planning
Australia’s superannuation system is facing one of its most significant
Proposed Changes to Capital Gains Tax in Australia: What You Need to Know
Australia’s capital gains tax (CGT) regime — particularly the 50%
There’s a $2.5 Billion Issue with Superannuation and It’s Costing Australian Retirees
Australia’s superannuation system was designed to help working Australians build
Start Your Retirement Plan Today
Take the first step towards a secure and confident retirement with personalised financial guidance tailored to your goals.
- Personalised retirement strategies
- Tax-efficient income planning
- Ongoing expert support