Retirement Planning

Massey Financial Advice

At Massey Financial Advice, we help professionals take control of their financial future through strategic retirement planning and practical financial modelling. Our personalised advice shows you how today’s decisions shape tomorrow’s lifestyle – so you can retire with confidence and peace of mind.

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Plan Your Retirement with Confidence

Retirement is a milestone that should be approached with confidence and excitement, not uncertainty.

At Massey Financial Advice, we believe that effective retirement planning creates the freedom to live the lifestyle you envision – with financial security and peace of mind. Based in Brisbane, we partner with individuals and families to craft personalised retirement strategies that turn goals into achievable outcomes.

With tailored advice and practical financial modelling, we help you take control of your future today, so you can enjoy life beyond work tomorrow.

What Does Retirement Planning Involve?

Retirement planning goes far beyond simply growing your superannuation. A comprehensive retirement strategy covers:

Goal setting: Defining the retirement lifestyle you want, the age you aim to retire, and the financial resources needed to support it.

Superannuation optimisation: Structuring contributions, consolidating accounts, and managing investments within your superannuation to maximise retirement savings.

Investment and asset allocation: Building a diversified portfolio that balances growth with risk management, aligned to your retirement time horizon.

Healthcare and aged care planning: Preparing for future medical costs and potential aged care needs.

Contingency planning: Ensuring your financial strategy can adapt to unexpected changes like inflation, market volatility, or life events.

Each element plays a critical role in building a retirement plan that is not only realistic but resilient.

Why Retirement Planning Matters – Especially in Brisbane

Planning for retirement is important everywhere — but Brisbane’s unique economic and lifestyle factors make it even more essential.

The cost of living in Brisbane continues to rise, with housing, healthcare, and everyday expenses placing increasing demands on retirement income. Understanding how to structure your superannuation, access government benefits, and navigate changing legislation can make a significant difference in your quality of life after you leave the workforce.

Brisbane’s diverse lifestyle opportunities – from city living to coastal or hinterland moves — also mean retirement planning should be flexible. Whether you intend to downsize, relocate, or travel extensively, a clear financial strategy can ensure your goals are within reach.

Most importantly, with Australians living longer, many retirees may spend 20–30 years in retirement. Planning thoroughly today helps ensure you enjoy every stage of that journey without unnecessary financial stress.

How Massey Financial Advice Can Support You

At Massey Financial Advice, we offer a complete range of retirement planning services designed to fit your individual needs:

Tailored financial modelling: We provide detailed financial projections that show how today’s decisions shape tomorrow’s outcomes, giving you clear, actionable insights.

Superannuation contribution strategies: We help you structure your contributions and investment choices to maximise your superannuation balance before retirement.

Transition-to-retirement planning: Whether you want to reduce your working hours or access superannuation benefits, we guide you through transition-to-retirement strategies to ease the move into retirement.

Risk management and income protection: We help you safeguard your retirement income against market fluctuations, health issues, and other risks.

Cash flow management during retirement: We design strategies to maintain sustainable cash flow so you can enjoy life without constantly worrying about your finances.

Every plan we create is tailored to you — there are no generic solutions. We focus on practical, realistic strategies built around your values and aspirations.

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Get Your 10 Years to Retirement Guide

The above chart shows the financial position for John and Sue and when they are likely to run out of money. They are currently aged 43 and 41 respectively, plan to work until age 63, and according to Australian averages they can expect to live until 82 and 86. The blue shaded area to the left of the peak shows how they are building assets while they are working. The icons and rising expenditure line show various expenses during this time which include…

Overseas holidays every 3 years
Replacement car every 5 years
Private high school fees for 3 children from John’s age 49
Purchasing a boat at age 50
Home renovations at age 55

The spot where the blue net assets line meets the horizontal axis indicates when John and Sue will run out of money (around age 78). This gives them the opportunity to adjust their planning to achieve a different outcome. For example they could…

Reduce their expenditure by changing or postponing some goals
Become more disciplined with their spending (now and in the future)
Modify their savings levels
Adjust their investment risk

With this information, John and Sue can make decisions that help them prepare for retirement, balanced with current spending and life experiences. Imagine having this financial modelling for your income, expenditure, and assets. Like John and Sue, it would help you to see how your current decisions will affect your future finances (and potential lifestyle). This is just part of the process we use to help you plan for your future, adjust for changing circumstances, and stay on track to getting the outcomes you want. And it’s a key part of our ongoing service at our goal progress meetings. Note: This case study is illustrative only and is not an estimate of the investment returns you will receive or fees and costs you will incur

Our Approach to Retirement Planning

At Massey Financial Advice, we believe retirement planning should be as personal as your retirement dreams. Our approach is built on:

Customised advice: Every client’s situation is unique. We take the time to understand your goals and tailor strategies accordingly.

Plain-language communication: Financial planning doesn’t need to be complicated. We explain your options clearly so you can make informed decisions.

Ongoing support: Retirement planning is not a one-off task. We offer regular reviews and updates to adjust your plan as life unfolds.

A genuine partnership: We work with you over the long term, helping you stay confident and in control of your financial future.

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About Adam Massey

Adam Massey, founder of Massey Financial Advice, is a Certified Financial Planner® with a Bachelor of Business and a Diploma of Financial Planning. He is married to Bron, they have 3 children and Adam has lived in Sydney, Adelaide, Canberra, Port Douglas, London and now Brisbane. He was an active committee member of The Mater Foundation and volunteers at the school tuckshop. In other words, he has more than textbook knowledge – he has the formal training and life experience to help you get the financial outcomes you want – to build wealth for retirement without sacrificing your current lifestyle.

… He has 3 children and has lived in Sydney, Adelaide, Canberra, Port Douglas, London and now Brisbane which has been home for more than 20 years. …

Common Retirement Planning Questions

When should I start planning for retirement?

The earlier you start, the better. Ideally, planning should begin at least 10–15 years before your desired retirement age. However, it’s never too late to benefit from professional advice.

How much superannuation will I need to retire comfortably?

This depends on your desired lifestyle, expected expenses, and whether you qualify for any government support. Many Australians aim for a balance that supports 65–75% of their pre-retirement income.

What is transition to retirement and how does it work?

Transition to retirement (TTR) allows you to access a portion of your superannuation while still working, often reducing your working hours without reducing your income. It can be an effective way to ease into retirement.

How do government or legislative changes affect retirement plans?

Changes to superannuation rules, pension eligibility, or tax laws can impact your retirement strategy. Regular reviews with your financial adviser help ensure your plan remains compliant and effective.

Why Clients Trust Massey Financial Advice?

Certified Financial Planner® qualifications, providing confidence in our knowledge and ethical standards
Transparent and clear communication, free of unnecessary jargon
More than two decades of experience helping individuals and families plan successfully for retirement
A client-first philosophy, focused solely on achieving your financial goals — not selling products

Our reputation is built on trust, expertise, and a commitment to the long-term success of our clients.

Adam Massey – Certified Financial Planner

member of the Financial Advice Association

Graduate

Australian Institute of Company Directors

MoneySmart – Financial Advisers Register

What Others Are Saying…

Here is a small sample of what other people say about their experience dealing with Adam.

Gave us a deeper understanding of what we could achieve…

We have known Adam for many years and have always found Adam to be utterly professional in everything he does. Working with him to better understand what our true financial position was refreshing because of the approach Adam took to understand our future needs. The way Adam approach the goals discussion, discovering some goals we didn’t know each other had, and also documenting those goals gave us a deeper understand of what we could achieve. More importantly, it showed the value of having a strong and trusted relationship with a financial adviser can bring. Nick Kwiatkowski, Canberra

Tailored a solution that took everything into account…

When my partner and I first started considering seeking financial advice to secure our family’s future we did not know where to start. After several meetings with Adam, he took our situation, our goals and our plans and developed a tailored solution that took everything into account and has given us peace of mind that our family’s future is financially secure. Adam, whilst maintaining complete professionalism, was easy to deal with and took the time to ensure both my partner and I understood every detail of our plan. I have no hesitation in recommending Adam and his services as a financial adviser. Bennett Foster, Brisbane

Served as a good sounding board…

Having known and worked with Adam for over 5 years, I have always found him to be approachable and knowledgeable. He really does like to help where he can add value and served as a good sounding board for various issues and processes. I have always found Adam to be honest and genuine. Leonard Gennusa, Sydney

Adam’s advice has positively impacted our financial future …

We recently engaged Adam to review our current financial position and also to help us plan for the best possible retirement. We were also curious to understand the optimum timeline for us to retire.

The time that we spent with Adam was well invested, and educational. Lessons learned along the way,

We didn’t know what we didn’t know
Adam’s advice has positively impacted our financial future in ways we wouldn’t have thought possible
Adam has literally paid for himself with his clever strategies – multiple times over
We would have been better off overall if we had engaged Adam sooner

Adam is responsive & professional. We wouldn’t hesitate to recommend him.

Paul & Nada, The Gap

How to Explore Working Together

Would you like to know exactly how much money you’ll have when you retire based on your current plan? Would you like to know how to fast-track this plan so you can retire earlier and with more money? Would you like to know how an upcoming decision will affect this plan?