Preparing for, or Enjoying Retirement
Start Planning Your Perth Retirement.
Are you preparing for or enjoying retirement? As you near the end of your working life, it’s important to make smart decisions with your money to secure a comfortable future.
At Empire Financial Group, we believe in creating a detailed strategy and good financial habits to achieve your goals. Those earning good incomes can achieve financial security with the right strategy and team.
Providing Peace of Mind: Ensuring a Secure and Enjoyable Retirement
Often, people come to us asking, ‘Will we be OK in retirement?’ If we can show them that they can maintain their current spending without running out of money—that there’s enough for a new car or home improvements—it gives them a sense of confidence. Retirement no longer feels like something to fear.
A truly positive outcome is when we can tell clients they can even afford to spend more. That’s a great conversation to have. It means everything has been taken care of, and their long-term planning has paid off.
Key Considerations for Planning Your Retirement with Us:
- Access to income, budget and available funds
- Tolerance to risk and fluctuating asset values
- Tax position
- When you will need funds and the purpose?
The Empire Difference
Each client scenario is backed by comprehensive modelling and scenario testing to give you all the options and peace of mind that the path you choose is the one that suits your circumstances best.
Furthermore, our size grants us bargaining power. Unlike smaller firms, we’re not merely price takers – this advantage directly benefits our clients with access to investment options either not available to other investors at all, or at significant discounts to our clients.
The relief on our clients’ faces when they realise their money will last a lifetime—or that additional support is available down the road—is truly rewarding. During our review meetings, we especially cherish hearing their stories about taking that dream holiday, purchasing a caravan to travel around Australia, or finally pursuing the activities they’ve always wanted to enjoy in retirement. Those moments are what make our work so fulfilling.
91%
Advisor Trust! Score
9.0 *
Overall Practice Satisfaction
9.0 *
Overall Satisfaction
With Main Advisor
9.0 *
Communications
9.2 *
Instilling Trust
9.1 *
Caring
*Scores out of 10. Based on independent research by the Beddoes Institute, April 2021.
Testimonials.
“The team at EMPIRE have been an absolute godsend for a negligent couple of teachers who should have paid much more attention to financial planning for retirement. As we approached our 60th birthdays we went searching for someone who might be able to help us optimise our GESB superannuation and property assets in preparation for our life after work finances, someone who we could trust! Fortuitously, a work colleague recommended that we contact EMPIRE. We have now been with Empire for 8 years and have now both retired (early) with the confidence that we are very well set for the next exciting phase of our life. These guys really know their stuff (GESB, property strategies, market trends, Super regulations, investment strategies), are fantastic communicators and highly ethical – EMPIRE has most certainly earned our trust. You probably make only a handful of truly life changing decisions in your life and we have no doubt that entrusting our financial future with EMPIRE is certainly one of these.”
Keith and Veronica Marley
“We have been dealing with the Empire team for over 10 years now. From our initial meeting back then we were listened to, our goals were established and the team went to work. The plan that was set out for our future has reached and exceeded our expectations. Our advisers have a fantastic work ethic and go over and above all the time. They take pride in their work and are genuinely interested in our family as it has grown over the years while been with EFG. Would 100% recommend to anyone who wants to be financially sound and you will receive professional assistance in reaching your goals.”
Mark and Jane Ivens
Meet the Retirement Specialist Team That Will Get You There
Marion Deegan
Frequently Asked Questions
About Retirement Planning.
How does Empire Financial Group approach retirement planning?
We approach retirement like we do everything at Empire with precision, strategy, and a long-term view. Your plan starts with a deep dive into your financial world, your goals, and your values. From there, we build a tailored strategy backed by sophisticated modelling that maps out your cash flow, investment trajectory and potential risks, not just for retirement, but for the decades that follow. It’s about giving you clarity today and confidence for tomorrow.
What sets Empire Financial Group apart from other financial planning firms?
We tell it like it is.
Our projections are grounded in your current financial behaviours, and we won’t shy away from honest, sometimes challenging conversations when they’re needed to keep you on track.
You’re always in the loop.
With regular check-ins, you’ll stay fully informed about your financial progress, our strategies, and any forward-looking recommendations.
You’re always in control.
We work collaboratively and transparently, giving you the freedom to be as hands-on or hands-off as you like in the decision-making process.
Our size gives us significant bargaining power.
Meaning we’re not merely price takers. Our clients have access to investment options that are either unavailable to other investors or available at significant discounts.
What key factors do you consider when planning for my retirement?
We go well beyond the basics. Yes, we look at your income, superannuation, spending, and tax but we also consider things many overlook:
- What does freedom look like for you in retirement?
- What legacy do you want to leave?
- How can we structure your assets to reduce tax, protect wealth and fund the lifestyle you’ve earned?
We bring all the moving parts into one clear, integrated plan one that aligns with your values and adjusts as life unfolds.
When should I start planning for retirement?
Earlier is always better, but it’s never too late. The longer we have, the more options we can build in. Starting early gives you more control, greater compounding benefits and the chance to structure things in a tax-smart way. But even if retirement is just around the corner, we can still create a powerful plan to maximise what you’ve built.
Can you help if I'm already retired and want to optimise my financial situation?
Absolutely, some of our most valued client relationships begin post-retirement. We often work with retirees to fine-tune their income streams, reduce unnecessary tax and reshape investments to better align with lifestyle goals. Whether you’re concerned about market volatility, cash flow or preserving wealth for the next generation, we can help you make the most of what you have and ensure it lasts.
How do you help clients gain confidence about their retirement finances?
We show you what’s possible through detailed forecasting. How much you can spend, how long your money will last and what needs to change (if anything) to stay on track. We don’t shy away from tough conversations so you’ll always know where you stand and we’ll regularly review your plan so you can move forward with confidence, not guesswork.
What happens after the initial retirement planning is complete?
Your retirement strategy isn’t a set-and-forget document, it’s an ongoing plan. As your life and the world around you change, we stay close. From legislation updates to market shifts to changes in your priorities, we proactively adjust your strategy to keep everything working toward your goals. You’ll always know what’s happening and why.