Retirement brings new decisions about income, investments and how to make your money last. We help you set things up properly and stay supported as life changes.
— PLANNING FOR RETIREMENT
Retirement does not come with a rulebook. Once regular work income changes or stops, financial decisions can feel different. You may be thinking about where your income will come from, how your investments should be managed, whether your money will last and what happens if markets or personal circumstances change.
Capital Managers helps retirees make sense of these decisions with clear advice, practical support and regular review. We help you understand your options, structure your income carefully and stay supported well beyond the initial plan.
— HOW WE CAN HELP
Good retirement advice should help you feel informed, organised and supported. We look at your income needs, superannuation, pensions, investments, liquidity, risk comfort, fees and estate planning considerations, then help create a strategy that suits your circumstances.
We also understand that retirement is not set-and-forget. Life changes, markets move and legislation can shift over time. Where appropriate, we provide ongoing management and review so your strategy remains aligned with your needs.
— Areas of advice
We can help with:
- Superannuation and pension structuring
- Allocated pension and income stream advice
- Investment strategy and liquidity planning
- Centrelink considerations where relevant
- Tax and income stream considerations
- Estate planning advice
- Ongoing reviews to keep your strategy aligned
— 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 used Capital Managers to plan my retirement after 47 years of working.”
“Amanda has gone above and beyond in assisting me with all aspects of managing my retirement.”
— Frequently Asked Questions
How do I make my money last in retirement?
We help you review your income needs, investments, superannuation, pension structures and spending goals, then create a strategy designed to support your retirement over time.
Can you help me set up retirement income?
Yes. We can advise on suitable income stream options and help guide the setup process where you choose to proceed with the recommendations.
Do you help with Centrelink?
Where relevant, we can help you consider Centrelink implications as part of your broader retirement planning. This may include how your income and assets are structured.
Will my retirement plan be reviewed?
Where ongoing advice is appropriate, we provide regular reviews to check whether your strategy remains suitable as your circumstances, needs and market conditions change.
Do you help with estate planning?
We can help you think through estate planning considerations as part of your financial advice. Where legal documents are required, we may recommend involving a solicitor.
— START THE CONVERSATION
Speak with our team to discuss your goals, explore your options and create a plan tailored to your retirement aspirations.
- 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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