Investing through retirement · Pakenham
Make your money work as hard as you did.
After a lifetime of saving, the question changes from “how do I build it?” to “how do I make it last?” We invest your money for income through retirement — managing the risks and the market noise — so you can focus on enjoying retirement.
Sound familiar?
The worries behind the money
Investing in retirement isn't about chasing the highest return — it's about not running out. These are the worries we hear most.
“Will my money last?”
The biggest worry of all: outliving your savings. We invest with one aim above all — an income designed to last as long as you need it.
“What if the market crashes?”
A crash early in retirement does the most damage. We build in buffers so one bad year doesn't derail the whole plan.
“Too cautious, or not enough?”
Getting the balance between growth and stability right — for your age, your goals and how you sleep at night.
“Inflation scares me”
The cost of living keeps climbing. Your money needs to keep its purchasing power, not quietly lose it.
“I don't want to watch markets daily”
You'd rather live your life than track headlines. That's our job, not yours.
“Is my super invested right?”
Set up years ago and never looked at since — it may not suit the retirement you're now living.
What we do
How we invest through your retirement
Build an income to draw on
We structure your super and investments to pay you a regular income through retirement, not just a balance on a statement.
Manage the risks that matter
Living longer than expected, market falls, inflation — the things that can derail a retirement, planned for in advance.
Get the balance right
The right mix of growth and stability for your stage of life and your comfort — not too bold, not too timid.
Cushion the bad years
Cash reserves and buffers, so a downturn doesn't force you to sell good investments at the worst possible time.
Keep it tax-effective
We invest with an eye on tax and your Centrelink position, so more of your money stays working for you.
Review and adjust
Markets move and life changes. We keep your plan on track and adjust as needed — it's never set-and-forget.
How we work
Simple, and built around you
A no-obligation chat
A phone chat to understand your savings, your income needs and how you feel about risk. We'll quote any fees up front.
We map out your plan
We set out an approach — in plain English, in writing — for the income you need and the risks worth managing.
We invest it and stay with you
We put the plan in place and keep an eye on it, reviewing with you and adjusting as markets and your life change.
Often connected
Pieces of the same picture
Good questions
Investing through retirement: FAQs
Will my money last through retirement?
That's the central question we plan around. We invest for income over the long haul and test the plan against living longer than you might expect. No one can guarantee what markets will do — but a sound plan is built to cope with them.
What happens if the market falls?
Falls are a normal part of investing. We build in cash buffers so you're not forced to sell in a downturn, and the plan is designed to ride the rough patches out rather than react to them.
How much can I draw each year?
It depends on your savings, your age and the life you want. We model it with you and review it as things change, rather than relying on a one-size-fits-all rule.
Will investing affect my Age Pension?
It can. How and where you invest interacts with the Centrelink assets and income tests, so we factor your entitlements into the plan from the start.
Do you lock my money away?
We keep your plan flexible, so you can still access funds and adjust as life changes. Your money stays yours.
Is this financial advice?
This page is general information only. Personal advice for your specific circumstances is provided separately and in writing.
Want your money working harder for you?
Book a complimentary, no-obligation 15-minute phone chat. We'll talk through your savings, the income you need, and how we can help — and we'll quote any fees up front, so you know exactly where you stand. (It's general information, not personal advice.)
Book your chatOr call us on (03) 5941 5955 · Mon–Thu, 8:30am–5:00pm
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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!
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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.
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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.
