Financial Adviser for Retirees (Ages 65+)
Preserve your capital while maintaining a reliable retirement income. James Hayes is an ASIC-licensed financial planner who helps Greater Sydney and Sutherland Shire residents aged 65+ manage their transition from wealth accumulation to long-term income distribution.
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- Licensed
- Unaffiliated
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Get Your Urgent Questions Answered
Retirees face three challenges regarding their longevity and legacy. James Hayes provides answers regarding:
Longevity Risk
Based on your current withdrawal rate and asset allocation, what is the exact year your capital is projected to run out?
Drawdown Strategy
Which accounts should you draw from first—tax-free pension phase super, personal investments, or cash reserves—to maximise your tax-free thresholds?
Inflation Gap
How will your purchasing power change in 15 years if your investment yield does not keep pace with rising living costs?
What to Expect
James Hayes applies a structured framework to managing your lifestyle in retirement.
Portfolio Rebalancing
Shift your asset allocation from growth-heavy to income-focused to protect your capital from market volatility while ensuring consistent cash flow.
Entitlement Optimisation
Review your asset and income tests to determine your eligibility for the Age Pension, Commonwealth Seniors Health Card, or Pensioner Concession Card.
Legacy & Estate Planning
Coordinate with your legal providers to ensure your investment structures align with your wealth transfer plan for your beneficiaries.
Why Retirees Partner with James Hayes
Defined Income Projections
Fragmented income streams create uncertainty. James consolidates your dividends, interest, and pension payments into a single cash-flow forecast, showing exactly what you can spend each month without compromising your future security.
Independent Financial Advice
James is not an employee of a bank or an insurance company. This independence ensures that his recommendations for your retirement income stream are based solely on your net financial benefit, not institutional sales targets.
Multi-Decade Continuity
Retirement can last 30 years or more. You require an adviser who provides long-term continuity, removing the need to re-explain your health status, family dynamics, or risk tolerance to a new consultant every year.
Visual Strategy Mapping
Complex investment reports often obscure the bottom line. James uses live modelling to show how different market scenarios affect your bank balance, providing a visual summary of your financial health in every meeting.
Access & Communication
James does not use call centres. You have direct access to him via phone, face-to-face meetings in the Sutherland Shire, or WhatsApp. He prioritises responsiveness so you are never left waiting for answers regarding your capital.
Legislative Change Management
Aged care and pension rules change frequently. As a client, your strategy is proactively adjusted to comply with new government legislation, ensuring your income remains tax-efficient and compliant with updated means-testing.
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
Ensure a Secure & Comfortable Lifestyle
Being 65+ is a period for security, not speculation. The way you structure your assets today determines whether your capital lasts for your lifetime or is depleted prematurely by taxes and market fluctuations.
Questions
FAQs
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.
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.
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.
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.
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.