Getting close to retirement? We help you understand where you stand, what you may be missing and what steps to take before you stop working.
— Planning for pre-retirement
When retirement starts to feel closer, the questions can become more serious. Can you afford to stop working? Will your superannuation be enough? How will your income be structured? Are there tax, investment or timing decisions you should be making now?
Capital Managers help pre-retirees step back and look at the complete picture. We help you understand your current position, explore your options and create a clear pathway towards retirement, so you can make informed decisions with more confidence and less second guessing.
— HOW WE CAN HELP
Pre-retirement advice is about more than picking a retirement date. It is about understanding how your super, investments, income needs, risk comfort, tax considerations and lifestyle goals work together.
We take the time to understand what you want retirement to look like, then help identify the strategies that may support that future. We explain the recommendations clearly, guide you through the decisions and help put the agreed actions in place.
— Areas of advice
We can help with:
- Retirement planning and readiness advice
- Superannuation and retirement income strategies
- Cash flow and investment planning
- Tax-aware financial planning within scope
- Transition to retirement considerations
- Review of products, fees and structures
- Implementation support and ongoing reviews
— OUR PROCESS
Good advice isn’t just about strategy - it’s about knowing what to do next. Here’s how we guide you through it.
01
Discovery
We get to know you, your goals, your current position and what you would like to achieve.
02
Analysis
We review your financial details carefully and consider suitable strategies based on your circumstances.
03
Written Recommendations
We prepare clear recommendations that explain what we suggest, why it matters and how it supports your goals.
04
Presentation
We walk you through the advice, answer your questions and make sure you understand the recommendations.
05
Implementation
Once approved, we help put the agreed advice into action and guide you through the next steps.
06
Management
& Review
We continue to review your position where appropriate, so your strategy remains aligned as life and markets change.
— WHY CAPITAL MANAGERS
Choose Capital Managers if you want experienced financial advice, clear communication and a team that will help turn recommendations into action.
We don’t just give advice - we help you act on it
We help you understand what needs to happen and help you take action.
We are comprehensive and careful
We do the work properly, so you can take action with confidence.
We do more than expected
We consider your complete financial picture, not just one piece.
We are transparent
We explain recommendations, fees and value clearly from the beginning.
We have a diverse and capable team
You are supported by one connected, experienced advice team.
We have a clear investment philosophy
Our investment approach is never set-and-forget, and regularly reviewed.
— CLIENT STORIES
We are proud to support clients through important financial decisions with clear advice, practical guidance and ongoing care. A few words from the people we’ve worked alongside.
“I was always worrying about my future financial situation and if I would be able to retire…”
“Very helpful planning for my retirement in coming few years. Glad we found John.”
— Frequently Asked Questions
When should I start planning for retirement?
The earlier you start, the more options you may have. Many people begin thinking seriously about retirement in their 50s, but useful planning can begin earlier or later depending on your situation.
How do I know if I have enough to retire?
We help you review your superannuation, investments, expected income needs, lifestyle goals and timing, then model what retirement may look like based on your current position and options.
Can you help me decide when to stop working?
Yes. We can help you understand the financial impact of different retirement timing options, including whether working longer, reducing hours or using a transition strategy may be relevant.
Do you only look at superannuation?
No. Superannuation is important, but we also consider investments, income needs, tax considerations, risk comfort, fees, estate planning considerations and your broader financial position.
Will you help put the plan into action?
Yes. Once you decide to proceed, we help guide the next steps, coordinate paperwork where relevant and support implementation of the agreed recommendations.
— START THE CONVERSATION
Speak with our team to understand where you stand, explore your options and make confident decisions before you retire.
- No obligation, no pressure
The first conversation is to understand your situation and see if we’re a fit. - Held in confidence
Anything you share is treated with the discretion you’d expect from a long-standing advice practice. - A real conversation, with a real adviser
Not a triage form — you’ll speak with someone who can actually help.
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