Financial Adviser for Pre-retirees (Ages 55–65)

Get Your Urgent Questions Answered

• The Number

  How much capital is required to generate your desired annual income indexed for inflation?

• The Sequence

  Which assets should you draw from first—super, personal savings, or investment equity—to minimise tax?

• The Safety Net

  How will your portfolio perform if the market drops 20% in the year you retire?

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.

• Independent Financial Advice

  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.

• 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.

Testimonials

Client Experiences

• I was attracted to James’s business by the online referees and comments and have since been very happy with the choice. James has been very patient and professional in rebuilding my superannuation portfolio and the results are pleasing. I very much appreciate his depth of knowledge and his personal skills.

  Geoffrey Todd

• We have found dealing with James a worthwhile experience as he listens to what you require and that investments are reviewed and information to us is clear. We found James helped our transition into retirement an easy experience and very grateful for his expertise. 5 stars all the way !!

  Craig Pullen

• James was incredibly helpful and prompt in his responses. Very accurate in the analysis of the real estate market and my personal, financial circumstances. In just a few hours we understood the best-case scenario, in my situation, and he guided me towards positive and reassuring final decisions to be made. He really placed my personal and financial needs first and we went from there. I really appreciated the honesty in his judgment and of course his valuable knowledge.

  Marta Lentisco