Pakenham · South-East Melbourne financial planning
LIVE THE RETIREMENT
you’ve Always Dreamed of!
with Plan4wealth — specialising in retirement planning in Pakenham for over 20 years.
⭐️ 5.0 from 40+ Google reviews
Helping retirees since 2005
Pakenham & South-East Melbourne
40+ years in financial services
Wherever you're up to
There's a plan for this stage of life
The smartest moves often start the day you turn 60 — however many years that leaves before you actually stop work.
Thinking about retiring
Retirement's on the horizon
It might be a few years off, but this is the time to plan tax smartly, pay down debt, and work through the big question: when can you comfortably stop?
You've got a date in mind
The finish line's in sight
We get you retirement-ready — your income organised, your entitlements claimed and the paperwork handled, so the switch from working to retired is calm, not daunting.
Already retired
Making it last and stay simple
We look after the ongoing picture: your investments, your Centrelink, downsizing decisions and inheritances as life unfolds — leaving you free to focus on enjoying yourself.
Don't get stuck
Beware of financial noise
Are you ready to make the right financial steps towards
living a life you love?
Endless, conflicting retirement information is enough to freeze anyone — and “paralysis by analysis” quietly costs people the retirement they’d pictured. You’ve done the hard work of saving. Our job is simply to cut through the noise, so the way forward is clear and the decisions stay yours.
Sound familiar?
The questions we hear most
Every situation is different. These are the worries our clients arrive with — and the ones we’re here to take off your shoulders.
“Will the money last?”
You’ve saved hard. Now you want to know it will see you through — and still let you enjoy the years ahead.
“How will this affect my pension?”
Nearly every decision seems to come back to Centrelink. We help you understand the impact before you act — and make sure you’re not missing anything you’re entitled to.
“Should we downsize?”
Whether to move, what it means for your pension, a granny-flat arrangement with the kids — we think it through with you.
“An inheritance has landed”
An inheritance usually arrives wrapped in loss. When you’re ready, we sit beside you, handle the paperwork, and help you work out what it means, including for your pension.
“It's all on me now”
Facing retirement on your own — widowed, separated, or happily single — doesn’t mean working it all out alone. You’ll have someone steady to lean on.
“I just want someone to handle it”
The forms, the phone calls, the worry about markets — that’s our job. You take the advice and get on with your life.
How we work
Simple, and at your pace
Three clear steps — no jargon, and you decide when you’re ready.
1
A no-obligation chat
A no-obligation phone chat to understand where you’re up to and what matters to you. We’ll quote any fees up front, so there are no surprises.
2
A plan made for you
If we’re a fit, we build a clear plan around your goals — written in plain english, with the reasons spelled out, so you always know the why behind the what.
3
We put it in motion — together
We handle the paperwork, the Centrelink and the fund managers, and keep you informed without the heavy lifting. You stay in control; we do the legwork.
What we help with
The things that keep retirees up at night
All part of what we do — tap any one to learn more.
Applying, understanding the rules, and staying on top of how decisions affect your entitlement.
Tired of running your own fund? We wind it up properly — often saving the higher accounting fees that come with it.
Should you move, what it does to your pension, and granny-flat arrangements — thought through with you.
Applying, understanding the rules, and staying on top of how decisions affect your entitlement.
A step-by-step, tax-effective plan to clear what you owe within your timeframe and means.
Income designed to last and keep pace with rising costs — managed so you don’t have to watch the markets.
In our clients' words
From overwhelmed to at ease
A few words from people who were once exactly where you might be now.
Recommended to lots of friends who have all been equally impressed with the knowledge and personal attention they have received.
Well done to you all and thanks again
Mary and Aiza are amazing with fantastic financial guidance, thanks to them I’m living my best life,
Thank you very much
Outstanding support and guidance
Mary from Plan4Wealth went above and beyond to help me understand exactly what I should be doing and why. She explained everything clearly and made the entire process easy to follow. I truly felt supported and informed every step of the way. Highly recommend Mary at Plan4Wealth to anyone looking for trusted financial guidance!
Thank you so much
We have complete faith in their level of expertise and ability in this field and would have no hesitation whatsoever in recommending them as the go to professional and sound advisory consultancy.
Michael and Glenda Milligan
Very professional.
Very understanding.
Very clear with the direction given.
Great guidance and assistance, and lovely to chat with and have already put the wheels in motion for stage 1 of our plans
Highly recommend
Mary is skilled as a financial planner and has a good way with people.
Cathy Lizza is the person in the plan for wealth team, who handles insurances. Likewise, I can say that Cathy is very skilled having worked in this area for 20+ years and is a nice person with efficiency.
Aiza is the face of the business. You will speak with her when you phone.
again a person who is good at her job and efficient.
I am happy to recommend Mary, Cathy and Aiza
I found her very friendly and helpful and more importantly easy to understand.
I have no hesitation in recommending Plan4wealth and will be returning to use their services in the future.
Meet your adviser
Hi, I'm Mary Benton
I’ve spent more than 40 years in financial services, and the past two decades helping people around Pakenham retire well. My job is to cut through the financial noise and jargon, do the heavy lifting, and help you feel calm and confident about your money.
You won’t be dealing with me alone, either: Aiza looks after you on the phone and through the paperwork, so there’s always someone who knows your situation. We’re currently in Longwarry while our new Pakenham home and office is built, and we’ll be settled there by late 2026.
— Mary
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Let's have a chat
Book a complimentary, no-obligation 15-minute phone chat. We’ll talk through where you’re up to, what you’d like retirement to look like, and how we can help. We’ll quote any fees up front, so you know exactly where you stand. (It’s general information, not personal advice.)
Or call us on (03) 5941 5955 · Mon–Thu, 8:30am–5:00pm