Getting ready for life without work

You’ve spent years building a career, paying bills, raising humans, paying down the mortgage, growing super, and trying to make sensible decisions with the money left over.

Now retirement is moving from being a sometime in the future thing, to a date that’s no longer over the horizon.

You might still enjoy work. Most days. You may want to keep going, but differently. Fewer hours. Less pressure. More choice.

The real question is whether the next few years are being used well.

You might be wondering:

  • Do I need to keep working full-time?
  • Could I step back earlier if my money was structured differently?
  • Should spare cash go to super, the mortgage, investments, travel, or the kids?
  • Am I paying too much in tax?
  • Could I be getting Centrelink?
  • How do we turn what we've built into income later?
  • What happens if markets wobble right when we want to stop?
  • Are we missing opportunities because everything feels too hard to untangle?
  • Could this be easier if we worked smarter, not harder or longer?

At Lume Wealth, we help you see the options before big decisions land.

We model the trade-offs, tidy up the moving parts, identify the smart money decisions that can support a practical plan across super, investments, debt, tax and retirement income so you can make the years before retirement count.

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Work by choice

Know what needs to happen before income becomes optional, whether that means retiring fully, winding back, consulting, changing roles or simply taking back more of your week.

Make the next dollar count

Extra super? Debt reduction? Outside investments? Helping family? Spending a little because life is happening now? We help each dollar find the best job.

Done right, upfront

Super, investments, cash, tax, pensions, annuities, bonds, insurance, entities, and even Centrelink all have settings buried in the detail. We help get them all done right in advance.

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Feel confident for life after work

Put numbers on your options

Most people come in wanting a number. Fair enough. We give you numbers, one for each realistic scenario.

We look at your current trajectory, then workshop what changes if you make smarter decisions around super, debt, investments, tax, Centrelink, work hours, family support, and spending.

You get to see what is possible, what each option is likely to cost or create, and which choices give you the best return for the next few years.

Organise your financial life

Whilst every year counts, the seven years before retirement can be incredibly powerful.

Your income may be strong, there may be time to make meaningful super contributions, and bigger setup decisions can be made before work changes.

From your mid-50s onwards, it is worth looking closely at the path you are on, even if you expect to keep working for as long as you’re able.

We help you use that window tactically. 

Make super do more of the lifting

Super has a lot of levers, many of them are annoyingly well hidden.

We help with contribution strategies, investment settings, pension setup, spouse balances, tax planning, and beneficiary nominations so your super is ready for the job ahead.

Boring in places? For most people, for sure. For us, we’ve seen the power the change makes, which is one reason why we love what we do!

Be smart with SMSFs

Self-Managed Superannuation Funds s can be excellent when they fit the person, the assets, and the admin reality.

We know this space well. Done well, it’s a useful tool. Done poorly, it’s a costly disaster.

We help you assess whether an SMSF makes sense, review an existing fund, or use one more deliberately across investments, pensions, contributions, tax, property, and estate planning considerations.

Decide where the next dollar belongs

Every extra dollar has competing job offers.

Super. Mortgage. Cash. Investments. Insurance. Family support. Travel. The best use may be to enjoy it! We help figure out the best spot for each dollar.

We compare the after-tax impact, access, risk, flexibility, and timing so your money is pointed at the right priority.

Invest for the change in rhythm

As retirement gets closer, your investments need to work differently.

You still need growth. You also need liquidity, reliable access to income, and enough stability to handle market wobbles without making rushed decisions.

We help set the right mix for how and when you will use the money.

FIRE sounds great, but…

Financial independence is an incredible achievement, and retiring early is a fantastic goal, but often how you’ve gotten to where you are is messy and restrained spending isn’t the whole story.

Along the way, life accumulates mess and complexity, and saving your way to a magic number is far too simple an approach for most people. Tax, Centrelink, ownership, and entity decisions can change the shape of what started as a simple plan.

We look at family dynamics, tax and social security rules, business entities, trusts, SMSFs, and any other complexities relevant to achieving any goal.

Help family with eyes open

Helping adult kids can be a wonderful thing.

House deposits, education costs, weddings, grandkids, and general life-expensiveness all have a way of showing up right when you are trying to get your own future sorted.

We help you work out what support is possible, when it’s best to help kids through their big life transitions, what boundaries are sensible, and how generosity fits into the bigger plan.

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We collaborate with your accountant and solicitor so everyone is on the same page and helping you move forward.

Lume Wealth is a Brisbane and Gold Coast financial planning firm providing tailored advice to helping Australians get ready for life after work.

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