Retire on your own terms
Retirement should be the start of a new chapter in your life – perhaps the most exciting of all. And, just as no two working lives are the same, you can choose the kind of retirement you want (with a bit of luck, some prudence and the right advice).
For you, retirement may mean cutting back on your hours at work. Or finishing work altogether and travelling the world. It can be any place in between and obviously how you live after work will change over time.
Whatever your aspirations, we can help make your post-work dreams a reality. Because retirement is so personal – and changes over time – we offer you a changing mix of investment advice, retirement planning, super and insurance strategies, tax and social security advice, estate planning and advice on philanthropy.
The result? A post-work life where your retirement capital supports your lifestyle. Where you’re free to enjoy your life and not worry about money.
WHAT ARE YOUR DREAMS FOR THE FUTURE?
LIVING A RICH LIFE FROM 50 TO 100
This free ebook has practical tips and advice on securing the retirement income you need, safeguarding your family’s financial future or structuring your finances to leave a legacy. It’s an essential read for successful Australians with big plans for their future.
The wealthy investors’ guide to retirement investing
Written for individuals with more than one million in investible assets, this free ebook contains eight thought-provoking chapters on how you can generate a retirement income in a low-rate world. It provides practical tips and advice on alternative investment options, tax effective investments and investing responsibly without compromising on returns. It’s the essential guide for those seeking to grow their wealth in retirement.
Patrick and Judy Gauci
Patrick and Judy were anxious about their self-managed super fund. They weren’t sure their investment approach was truly effective and felt stressed by all the paperwork. So they turned to Perpetual for help. We provided a strategic financial overview, superannuation advice, pension management and retirement planning. The result – the Gaucis sleep more comfortably at night.
Where are you on your journey?
- Strategic financial advice
- Investment advice & management
- Income, savings & debt management
- Personal insurance
- Tax & accounting
- Health & personal injury support
- Family office
- Property management
Exceptional financial advice to protect and grow your wealth. That’s our enduring commitment to you backed by an investment philosophy that has stood the test of time.
PLANNING FOR RETIREMENT
- RETIREMENT & SUCCESSION PLANNING
- Superannuation & pension management
- Power of attorney & Lifestyle assistance
A post-work paradise takes careful planning. We can help you to structure your finances effectively and create an investment portfolio that protects your wealth without jeopardising your lifestyle.
GIVING & PASSING ON WEALTH
- Charitable giving & philanthropy
- Trust setup & management
- Wills, estate planning & executorial services
From the creation of your estate plan through to tax-effective giving structures, our team can help you to create a legacy for the people and causes closest to your heart.
HELPING YOU PREPARE FOR LIFE AFTER WORK
A post-work paradise takes careful planning. We can help you structure your finances effectively and create an investment portfolio that extends the life of your retirement capital without jeopardising your lifestyle. If you are a business owner, we will structure a succession plan that means you reap the benefits when you exit the business. Later in life, we can provide power of attorney services (Lifestyle Assist) that preserve your independence while shouldering some of your daily burdens – whether that’s managing your property, paying bills or arranging medical services.
Your retirement (whatever form it takes) is a new chapter in your life. You need to think about the financial implications – do I have enough money, can I access Social Security, am I paying too much tax – or doing too much paperwork?
But you also need to consider the lifestyle aspects. Where will you live? Do you work part-time or retire completely? Work on your passion or with a charity? At Perpetual we can help you think through all the issues – personal and financial.
Then we craft a plan that enables you to:
- maximise the value of your nest egg leading into retirement (for more on this crucial subject have a look at this article on income options in retirement and this one on how much you might need).
- structure your retirement income stream.
- invest your retirement capital effectively (including managing risk in retirement).
- manage issues like Social Security eligibility and tax.
- prepare for “post-retirement” – with things like philanthropy and business succession planning.
A key part of most Australians’ financial plan is superannuation. At Perpetual, we can help you maximise your super contributions; develop an effective tax plan and when it’s time to start drawing down from your nest egg, we can identify the best way to access the money based on your individual circumstances.
Navigating changing legislation can be challenging. We’ll ensure you understand what the legislative changes mean for you and advocate on your behalf. If you prefer to manage your own money, we can help manage the administrative burden of your Self-Managed Super Fund (SMSF) or act as trustee for your small APRA fund (SAF).
Here’s some more insights articles that could help if you’re:
In later life, you want to wring every bit of joy out of the time you have left. That means time with hobbies, grandchildren and friends – not bills and paperwork.
Perpetual can help you preserve your independence and lifestyle as you age gracefully. Lifestyle Assist is a personalised power of attorney service based on your relationship with a highly-trained personal ‘concierge’. They link you to Perpetual experts who can take care of everything - from paying bills or organising assistance around your home, to more complex jobs like tax returns or legal advice. Our consultants can also help you find an aged care home that meets your needs.
For some encouraging news on “ageing gracefully” have a look at this insights article.
Our financial advisers – in their own words
Robert is the Partner of NSW’s High Net Worth division.
Before joining Perpetual in July 2017 he was an Investment Consultant with the Private Investment Consulting ('PIC') team within NAB Asset Management providing investment consulting services private and institutional clients.
Immediately before joining the PIC team he was Head of Fixed Income and Senior Adviser in the Private Wealth Management division of Wilsons Advisory in Sydney responsible for the investment management of institutional and private client portfolios. Before that role, Robert was with Nikko AM, responsible for managing Nikko’s relationship with key institutional clients for the fixed income business, as well as developing and implementing tailored fixed income strategies for these clients.
Previously, he was co-founder and executive director of Columbus Capital Ltd (a capital markets origination and funds management firm of ‘RMBS’ assets), and has also worked as a senior investment specialist with AMP Capital Investors Fixed Income and Currency and with Westpac Institutional Bank as an associate director in the debt capital markets division providing coverage of fixed income and credit markets, as well as being a senior analyst in high yield and emerging markets in London with Bankers Trust International PLC and ING Barings respectively.
Andrew is the Partner of SA’s Not For Profit division.
With over 32 years experience, Andrew specialises in advice to large complex organisations, family offices, not-for-profit clients and philanthropic trusts. He has a deep understanding of the unique needs and strategic objectives of not-for-profit organisations and helps his clients implement best practice investment policies. Andrew also connects clients to other parts of the Perpetual business, including Philanthropic services.
Prior to joining Perpetual, Andrew held senior adviser roles within commercial and private banking based in Adelaide for the last 9 years. Andrew has also held senior manager roles in institutional banking at JPMorgan Chase, Deutsche Bank and Royal Bank of Scotland in Tokyo, Singapore, London, New York and Sydney over a period of 20 years.
Andrew has a Bachelor of Business (Finance), Advanced Diploma of Financial Planning, is an accredited Self- Managed Super Fund adviser (SMSFA) and speaks several languages.
Chris is a Partner in Perpetual Private’s Western Australian office. He specialises in securing the financial futures of successful Australians.
In 2019, Chis was ranked number 29 in the influential Barron’s Top 50 Financial Advisers in Australia.
With over 25 years’ experience, Chris is an expert in looking after the complex advice and strategic wealth requirements of High Net Worth clients and their families. Chris also has a deep understanding of self-managed super funds and how to maximise super for enduring financial security in retirement.
Chris also looks after Health & Personal Injury clients, managing their Personal Injury Compensation Trusts to provide a better quality of life, medical care and peace of mind knowing a compensation payment will last long into the future.
Chris also helps clients establish Philanthropic Trusts to give strategically to charities by taking into account taxation and other factors in their giving.
Chris is a qualified Certified Financial Planner ® or CFP ® and holds a Diploma of Financial Planning from Deakin University. He has also completed an Advanced Management Program from the Australian Institute of Management (AIM) and is an Affiliate of AIM.
Tony is the Associate Partner of VIC’s High Net Worth division.
Tony provides sophisticated financial advice to Perpetual’s private clients. He has extensive experience in investment management, retirement planning, superannuation, taxation, estate planning and recommending appropriate strategic structures.
Tony enjoys working closely with clients to develop highly effective investment strategies and structures which help to ensure that their financial goals are achieved.
Tony has a Diploma in Financial Planning – Financial Planning Association of Australia, 2003. He joined the financial services industry in 1993 and has been with Perpetual since 2002. His previous roles and experience in financial services include Financial Adviser and Client Relationship Manager with AMP and the Commonwealth Bank.
As a qualified, dedicated adviser, Marisa has focused exclusively on providing personal strategic and investment advice to private clients and high net worth individuals over the past 20 years.
Prior to joining Perpetual, Marisa has worked as a senior adviser across both Global and Australian institutions such as Macquarie Bank, Citibank and Westpac Private. Her areas of expertise include, superannuation, retirement planning, SMSF, specialist structured investments and Foreign Exchange.
Marisa’s most important attributes are her exceptional interpersonal skills and ability to build trust and rapport with clients. Upon meeting with Marisa, it is immediately apparent that she is passionate about assisting clients achieve their goals by helping them make well-informed decisions to manage, grow and protect their wealth.
Marisa is committed to providing her clients with the highest quality financial advice and takes pride in building long standing relationships. In her role at Perpetual, Marisa’s mission is to provide an exceptional level of service and an unwavering commitment to simplify often complex strategies to help clients reach their goals and objectives.
Marisa delivers a myriad of investment solutions by bringing in specialist teams within Perpetual, including investment strategy & research, portfolio construction, philanthropy, and tax accounting.
Daniel is an Associate Partner focused exclusively on high net worth clients, delivering the full range of resources needed to address the complex, multi-faceted challenges of managing significant wealth. Traditionally Daniel has served entrepreneurs, executives, professionals and high net worth individuals.
Daniel has over 14 years-experience in the industry with a total of 10 years providing sophisticated investment advice in the high net worth space.
In his role at Perpetual, Daniel’s mission is to provide an exceptional level of service and an unwavering commitment to helping Perpetual clients reach their goals & objective.
Daniel delivers tailored strategies to meet individual client objectives by bringing in specialist teams within Perpetual, including investment strategy & research, portfolio construction, philanthropy, and tax accounting. Prior to joining Perpetual, Daniel spent a total of 10 years at Macquarie Bank and just over 2 years at Morgan Stanley.
Daniel holds a Bachelor of Business & Commerce with a double major in Economics and International Finance and is currently completing his studies with the CFA institute.
Roxanne is an experienced and highly qualified wealth management professional having held various leadership and adviser roles within Private Banking and Private Client segments over the past 20 years.
As a Partner within Perpetual Private Clients Roxanne leads teams of Senior Financial Advisers and Associate Advisors across NSW and the ACT - providing exceptional service and holistic advice to retail and wholesale clients.
Roxanne also manages a select number of high net worth client relationships ensuring objectives are consistently met. Roxanne works with clients to bring clarity, direction and discipline to their financial and investment affairs.
As a leader and financial adviser Roxanne is focussed on developing strong client relationships with a particular interest in Family Wealth taking into account investment strategies and market conditions.
Roxanne has a Bachelor of Arts (Economics), Master of Financial Planning and a MBA. Roxanne is also a CFP member of the FPA and has completed all FASEA requirements.
When it comes to retirement investing, our ‘protect and grow’ strategy works to minimise risk without sacrificing returns. To balance your need for regular retirement income with the need to extend the life of your retirement capital.
To achieve this, we manage risk by spreading your funds across countries, across asset classes, within asset classes and across different fund managers. We seek to ensure inflation doesn’t erode your capital (and your ability to generate income in the future) by investing in quality growth assets as well as income producing options.
Our advisers and investment specialists ensure your retirement portfolio is structured to meet your specific needs and that all the assets we invest in on your behalf pass Perpetual’s stringent quality investment filters.
Perpetual is an ASX-listed, diversified financial services company which has been serving Australians since 1886 when it was established as a trustee company by a group of businessmen including Sir Edmund Barton, later to be Australia’s first Prime Minister. That trustee heritage – and the culture it created around putting clients first – is what makes Perpetual unique.
We have been earning the trust of our clients for more than 130 years and pride ourselves on our long-standing client relationships – some of which span five generations.
Trust is earned, every day.
Our approach to retirement advice starts with a deep dive into what you want from retirement – financially, in terms of lifestyle and across key areas like health, family, charitable or part-time work and much more. We then develop a sophisticated retirement plan that is aligned to those requirements.
It is at this point that the breadth of the Perpetual service becomes important. We will direct you to a wide range of external service providers if we believe they will best meet your needs.
But within our walls we can also offer you access to specialists in investing (across all asset classes), superannuation, philanthropy, business advisory services and tax and accounting. Everything you need to execute a retirement plan that balances your financial, lifestyle, family and professional needs.
For most people, the nature of a perfect retirement changes significantly over time – so a crucial part of our retirement advice is regular reviews to make sure your strategy stays on track and adapts to your changing needs (and changes in the economy, legislation or investment markets).
TAKE YOUR FIRST STEP - contact us on 1800 631 381
Or please submit the form below and a specialist adviser will contact you. 97%* of Perpetual Private clients are happy with the quality of their financial advice. *Perpetual Net Promoter Score Survey (research conducted by Woolcott Research).