Retirement Planning with Clarity and Confidence
At Japhia Wealth Advisory, Retirement Planning is about replacing uncertainty with a practical, tax-aware plan you can live with. We will help you design a retirement plan based on your means and needs so you won’t have to second guess every decision leading up to and during your retirement.
What retirement planning looks like here
Retirement Planning starts with your life goals, not a product list. We map your income needs, investment approach, superannuation strategy and risk settings so they work together, then schedule actions in the right order. You will connect directly with an experienced adviser who brings deep technical rigour and clear guidance. Learn more about our principal on the About page.
A simple, transparent process
Our process keeps momentum: understand your objectives, analyse and advise, present and refine, implement and review. Each step is documented so you know what’s happening and why.
See the outline of our Process
The key pieces we bring together
Investments
Diversified portfolios aligned to risk tolerance and time horizon, with sensible rebalancing.
Tax and structure
Making the most of super, personal ownership or other structures in concert with your accountant.
Superannuation strategies
Contributions, pension commencement timing and coordinating balances across funds.
Income planning
What you’ll spend, what must be funded for essentials, and how to build a reliable income stream
Personal risk cover
ensuring the plan survives illness, injury or other shocks.
If you want to stay across the big picture as rules and markets change, our Ongoing Services include periodic reviews, legislative updates and coordination with your other professionals.
Good Retirement Planning is as much about when you act as what you do. For many clients, that means prioritising high-impact steps—such as optimising contributions, managing debt ahead of retirement, and planning pension start dates—before moving to refinements. We will present options, quantify trade-offs and agree on a realistic schedule that fits your cash flow. If Age Pension is relevant later, we will integrate those rules into your retirement income plan.
Our life-stage articles in Useful Tips show how priorities evolve from peak earning years through pre-retirement to life after work.
Sequencing matters
Investing: disciplined,
not dramatic
Your portfolio should be built for reliability over the long run. We aim for diversified exposures whilst keeping investment costs under control and encourage behaviour that will steer you through different market cycles.
Superannuation and pensions—plain English
Super is the engine room of Retirement Planning. We help you navigate contribution caps, consider the timing to commence an account-based pension, and coordinate balances across funds so your income strategy is clean and tax-aware. We document every recommendation and keep administration tight so you can focus on the bigger picture.
You will get straight answers, clear documentation and advice that’s coordinated with your accountant and lawyer. When questions pop up—market moves, legislation changes, a new opportunity—we’re your first call. That continuity is how plans stay relevant and goals stay on track.
Explore what’s included in our Ongoing Services
How we work with you
Ready to get organised?
If you are within five to ten years of retiring—or already retired and want a sharper plan—let’s talk. A short conversation will clarify where you stand and the smartest next step.
Let’s Chat — call us or message us using this form.
GENERAL ADVICE WARNING: This information is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. Madison Financial Group Pty Ltd strongly suggests that no person should act specifically on the basis of the information contained herein but should seek appropriate professional advice based upon their own personal circumstances.