Financial Adviser for Pre-retirees (Ages 55–65)
Replace retirement uncertainty with a documented cash-flow strategy. James Hayes is an ASIC-licensed financial planner who helps Greater Sydney & the Sutherland Shire professionals aged 55–65 calculate exactly when they can stop working without reducing their current standard of living.
Get Your Urgent Questions Answered
Pre-retirees in their late 50s share three concerns. James Hayes provides answers regarding:
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How much capital is required to generate your desired annual income indexed for inflation?
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Which assets should you draw from first—super, personal savings, or investment equity—to minimise tax?
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How will your portfolio perform if the market drops 20% in the year you retire?
What to Expect
James Hayes applies a data-driven framework to your transition to retirement.
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Aggregate your super, offsets, and assets into a single view to determine your net retirement position.
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Implement Transition to Retirement (TTR) strategies to reduce your income tax while boosting your super balance simultaneously.
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We set specific milestones for the final 24 months of your career to ensure your liquidity matches your planned retirement date.
Why Pre-Retirees Partner with James Hayes
Defined Retirement Projections
Most clients arrive with fragmented accounts and no understanding of their combined annual yield. James consolidates these into a single retirement income forecast that shows exactly how much you can spend each year without depleting your capital.
I am not an employee of a bank or a corporate insurance provider. This independence ensures that every strategy from investment selection to superannuation structure is chosen solely because it optimizes your net financial position.
Independent Financial Advice
Multi-Decade Continuity
The 10 years leading into retirement and the 20 years following it require a consistent adviser who understands the history of your portfolio. You don't have to re-explain your goals to a new consultant every 12 months..
Visual Strategy Mapping
James uses live modelling and whiteboard sessions to map out your cash flow, tax-free thresholds, and asset allocation. You will leave every session with a visual summary of exactly where your money is and why it is there.
Access & Communication
I do not use a call centre or an offshore support desk. You have direct access to me via phone, face-to-face meetings in the Sutherland Shire, or WhatsApp for urgent queries. Most client enquiries are addressed within the same business day.
Legislative Change Management
Superannuation and tax laws change frequently. Once you are a client, I proactively adjust your strategy to account for new government legislation, ensuring your retirement plan remains compliant and tax-efficient.
Retire with Peace of Mind
Retirement is not just an age, it is a financial state. If you are between 55 and 65, the decisions you make in the next 12 months will dictate your quality of life for the next 30 years.
FAQs
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Ideally, you should begin 5 to 10 years before your intended finish date. This window allows for Transition to Retirement strategies that maximise super contributions while reducing your income tax. Starting early ensures you have sufficient time to restructure assets and close any projected capital gaps.
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A TTR strategy allows you to access a portion of your superannuation via a pension while you are still working. By combining this with salary sacrifice, you can reduce your taxable income and increase your total super balance without reducing your take-home pay or changing your current lifestyle.
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"Enough" is defined by your desired annual spending and life expectancy. I calculate your net retirement position by modelling your assets against inflation and market volatility. This provides a specific capital target, ensuring your portfolio can sustain your lifestyle for 30+ years without depleting your core savings.
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In many cases, the portion of the fee related to ongoing investment advice and managing your superannuation is tax-deductible. During our initial discovery session, I provide a breakdown of the fee structure and explain how these costs can be managed efficiently within your existing financial framework.
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Yes. Part of retirement planning involves optimising your asset structures to meet means-test requirements where applicable. I help you with Commonwealth Seniors Health Cards and Age Pension eligibility to ensure you receive any government entitlements you are legally eligible for alongside your private funding.