Knowledge Base
Retirees FAQs
Search every question I’m asked most often, or filter by topic. If something isn’t covered, a 15-minute call is the fastest way to get a straight answer.
Browse by category
Book Free 15-Minute Call5 questions matching your filters
James’ fee structure is based on the complexity of the advice and the ongoing management required, not a flat percentage of your wealth. He provides a full written breakdown of all costs during the initial discovery session so you can evaluate the value of the advice against the fees.
It depends on who receives the funds. Financial dependents like a spouse generally receive super benefits tax-free. However, adult children may be liable for a 15% (plus Medicare) death benefits tax on the taxable component. James helps you implement strategies to minimise this impact for your heirs.
Once you have reached age 65 or retired after reaching your preservation age, an Account-Based Pension allows for unrestricted access to your super. Crucially, the earnings on the investments within an Account-Based Pension are 100% tax-free, whereas a TTR pension may still incur tax on earnings.
Yes, under current bring-forward rules and work test exemptions, you may be able to contribute large sums of money into superannuation up until age 75. This can be an effective way to move funds from a taxable environment into a tax-free pension environment.
James utilises a bucket strategy by keeping 2–3 years of your required income in liquid cash and short-term deposits. The remainder of your capital is invested in diversified assets, allowing your long-term investments time to recover from market dips without forcing you to sell at a loss for daily expenses.