Retirement financial planning advice Australia

Retirement Planning & Management in Melbourne - North Melbourne

Expert retirement advice to maximize your age pension, manage your income, and ensure your savings last throughout retirement. Available in North Melbourne VIC.

Our Melbourne - North Melbourne office

North Melbourne VIC

Serving Melbourne, VIC

Your Challenges

Key retirement considerations

You're worried about running out of money in retirement

You want to maximise your Age Pension entitlements

You're unsure how to draw down on your super efficiently

You want to minimise tax on your retirement income

You're thinking about estate planning and leaving a legacy

You want to understand your investment options in retirement

You're concerned about aged care costs and planning

You want to help your kids or grandkids financially

Our Solutions

How we help

1
1

Retirement Income Strategy

Create a sustainable income plan that supports your lifestyle and lasts your lifetime

2
2

Age Pension Maximisation

Optimise your Centrelink entitlements while maintaining financial flexibility

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3

Tax-Effective Withdrawals

Structure your retirement income to minimise tax and maximise cash flow

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4

Investment Management

Balance growth and security with a portfolio suited to your retirement phase

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5

Estate Planning

Protect your legacy and ensure your wealth is distributed according to your wishes

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6

Aged Care Planning

Navigate the complexities of aged care costs and funding options

Book Your Consultation

Take the first step today

Discovery Chat

Free

15 minutes · No obligation

Free

A quick conversation to explore how we can help you achieve your financial goals.

Understand your current situation
Learn about our services
Get your questions answered

Strategy Session

Popular

90 minutes · Comprehensive

$350

In-depth financial review with personalized strategies and actionable recommendations.

Complete financial situation analysis
Custom strategy roadmap
Actionable next steps
Priority ongoing support

Do you want us to call you?

Fill out the form and our team will contact you within 24 hours

Your details

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Enjoy retirement with confidence

Let us handle the financial complexities so you can focus on what matters most.

Client Success

Trusted by Australians to build a better future

Real stories from real clients who have taken control of their financial destiny.

2 Jan 2025

Luke has been really helpful, considered and very personable in his approach to assisting us with our needs. He was actually recommended by a friend and it is obvious as to why he has built a strong r...

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Robert Chittick

Google Review
29 Dec 2024

Excellent advice given in terms I could understand with an achievable plan for future me.

T

Tammie Pickard

Google Review
01 Dec 2024

Very helpful and knowledgeable advisers, would highly recommend their team.

S

Stephanie G

Google Review
01 Dec 2024

On recommendation from a business contact of ours we contacted What If Advice to help us with a business and personal life financial plan for our super and insurances. Ben and Leigh present as, and ha...

J

Jiggles Jangles

Google Review
01 Dec 2024

I have recently met with Ben and Leigh to discuss financial strategy personally and for my business. They are both very personable and genuine guys and I felt throughout the sessions that without a do...

M

Melissa Moore

Google Review
29 Nov 2024

I had the pleasure of having Ben Collin's as my financial advisor for my business and wow, the support and advice I got really helped the growth and opened my eyes to new and exciting ways to boost my...

R

Riley Yarnold

Google Review
26 Nov 2024

What If Advice has been amazing - I had an excellent experience working with Luke especially! Their team is not only highly knowledgeable but also incredibly approachable and patient. They took the ti...

S

Stephanie Phillips

Google Review
26 Nov 2024

Meeting with Luke at 'What If' has been a very positive experience. Not only is his advice helpful but he's a pleasure to deal with and communicates information clearly. I highly recommend What If Adv...

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Ali Grace

Google Review
26 Nov 2024

Nice friendly people, very helpful easy to deal with - recommend their service.

T

Trevor

Google Review
20 Nov 2024

Professional service from start to finish. The team really understood our family situation and created a plan that works for us.

M

Michael Chen

Google Review
15 Nov 2024

Best financial advice I've received. Clear explanations and practical strategies that I can actually implement.

S

Sarah Johnson

Google Review
10 Nov 2024

What If Advice helped us navigate a complex inheritance situation. Their expertise and patience made all the difference.

D

David Smith

Google Review
05 Nov 2024

I was worried about retirement but the team put together a comprehensive plan that gave me confidence in my future.

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Emma Wilson

Google Review
01 Nov 2024

Great experience with the whole team. They take time to explain everything and make sure you understand your options.

J

James Anderson

Google Review
28 Oct 2024

Highly recommend! They helped restructure my business finances and I'm already seeing the benefits.

L

Lisa Brown

Google Review

Common Questions

Your money questions, answered simply

Whether you're figuring out your next investment move or wondering if you're on track, we strip away the noise and give you practical next steps.