Prepared for Jackson Millan
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Every piece is finished, written in your voice, and yours to keep regardless of whether we work together.
Your business turns over $1 million a year or more. How much could you live on if you stopped running it?
Revenue tells you what comes into the business. The amount available to fund your retirement depends on what you've built personally and what the business could provide when you step away.
That can be difficult to see while you're busy earning. You may have money in super, some investments elsewhere, and a business you hope to sell eventually.
At Aureus Financial, we help business owners examine how their personal wealth and business finances connect. For retirement planning, that means looking at the income you'd need and the assets that could support it, with the uncertainty around a future sale made clear.
Click the link to find out how we can help you plan for life after the business.
Does investing in your retirement keep getting pushed back because the business needs the money?
There's another hire to make, equipment to replace, or an opportunity you don't want to miss. Each decision may make sense on its own. Over time, though, you can end up relying heavily on the business for your future.
It helps to examine what the business needs to operate alongside what you want to build personally. That gives you a basis for discussing how much could be available for your retirement plans, including super where appropriate.
Aureus Financial works with Australian business owners turning over at least $1 million a year. We bring business and personal wealth planning together so those decisions can be considered in the same advice relationship.
For help planning beyond the next business expense, click the link.
Partner A: You said we'd think about retirement once the business settled down.
Partner B: I know, but we've just taken on more work. I can't leave now.
Partner A: I'm not asking you to leave now. I'd like us to work out when we could.
Partner B: I don't even know what we'd need to have saved.
Partner A: Neither do I. That's why I'd like some help before we decide how much longer you'll keep working.
Partner B: All right. Let's find out what we'd need to consider.
Narrator: Aureus Financial helps business owners connect personal wealth planning with the business they're building. Our advice service is for Australian business owners with annual revenue of $1 million or more. You can start discussing your retirement goals while you're still working towards them.
Narrator: If you'd like help preparing for that next stage, click the link.
You've been choosing investments for your retirement. How will they provide the money you'll need when you stop working?
If you have a self-managed super fund, or SMSF, you're involved in running the fund yourself. Keeping its administration up to date is part of the job. You also need to consider when you'll use the money and how the investments fit those plans.
For example, owning an asset and having cash available to spend are different things. A retirement strategy needs to consider the timing of income and expenses alongside investment risk.
Aureus Financial provides SMSF advice and ongoing support within its wealth service for Australian business owners with annual revenue of at least $1 million.
To find out how we can help you review your fund's retirement strategy, click the link.
Want help planning your retirement, but unsure how much a financial adviser needs to know about your business?
At Aureus Financial, we consider your business and personal finances together. What you earn from the business, what it needs to keep operating and what you've built outside it can all affect your retirement choices.
Our free strategy session is for Australian business owners with annual revenue of $1 million or more. We review your business and personal position, discuss gaps that need attention, and explain what working with us would involve.
You can talk about the retirement you have in mind and the decisions you're trying to make. A session begins that discussion; detailed advice depends on your circumstances and the work agreed with you.
Click the link to ask about a strategy session with our team.
Build a retirement plan around the life you want to fund
Your super balance is useful, but it doesn't tell you when you can retire, what lifestyle it may support or which decisions need attention first.
Those answers sit across your super, investments, spending needs, protection, estate planning and the other parts of your financial life. When each part is handled separately, it can be hard to see whether they're all working toward the same retirement.
Aureus Financial helps Australians turn those moving parts into a personal retirement plan.
If that's the kind of help you're looking for, complete the short form below this video. Give us the most accurate answers you can. Depending on your situation, you may be invited to book a free initial consultation.
Retirement looks different for everyone. You might want to stop work completely, move to part-time work, travel more, help family or simply know that your day-to-day lifestyle is properly funded.
The planning conversation starts with that life, then looks at the money and decisions needed to support it.
That may include your superannuation structure and investment strategy, the timing of retirement, possible income sources, personal investments, risk protection, estate planning or an SMSF where it's relevant.
The work starts with your objectives, identifies the decisions that affect one another and explains the available options clearly. Only the services relevant to your situation belong in the plan.
Aureus Financial describes its SMSF advisers as educators and offers a tailored strategy for each client's goals. That education-led approach keeps your situation at the centre.
Perhaps you already have super and wonder whether advice would add anything. A first conversation may also feel likely to turn into a product pitch, or retirement may seem too far away to plan properly.
The official Aureus process begins by listening to what you have in mind, reviewing your situation and discussing the questions in front of you. Sometimes a product may be relevant. Other times, the useful work is strategy and a clearer set of decisions.
The initial consultation is free. If further advice looks useful, the proper scope, documents and fees are discussed before you decide whether to proceed.
This is for people who want a personal plan and are willing to look at the wider picture. It won't suit someone looking for a guaranteed return, a quick stock tip or a retirement number without considering their circumstances.
Published client feedback on Aureus's official site repeatedly mentions clear explanations, availability and advice shaped around what the client wanted to achieve. Each account reflects one client's experience and doesn't predict yours.
The question worth bringing to the first conversation is what your super and other arrangements may support in retirement. You don't need to turn it into a technical brief before you ask it. A useful starting point is the decision in front of you, the time you have to make it and the parts of your financial position that may be affected.
The review should also leave room for different paths. You may keep working for longer, reduce your hours, change how you invest, help family or adjust what you expect to spend. One projection can't predict every future event. Making the assumptions visible lets you see what would need to change if your priorities changed.
It's reasonable to ask what the advice process includes, what information the team needs and how recommendations are explained. You can ask how the proposed work relates to advice you already receive, whether your accountant or solicitor remains involved and what the fees would apply to. Those questions belong in the conversation before you decide whether to proceed.
The conversation can also separate decisions that need action now from decisions that can wait. Financial planning isn't useful when every possible issue is treated as urgent. A clear plan gives you a way to prioritise, revisit assumptions and understand what the next review is meant to answer.
It should leave you with a better question if the first question turns out to be too broad. That's still progress, because the next decision can be made with a clearer view of the information it actually needs.
You may also wonder whether advice is useful when you already have a super fund, investments or a plan of your own. That depends on the gaps in the current picture. Useful work may include checking whether the arrangements still match the goal, or understanding a decision you've been putting off. The answer may also be that no further work is needed yet. A proper conversation should make that clearer.
The right fit is someone who wants the relevant decisions explained clearly and is prepared to share enough information for the advice to be personal. It's not someone looking for a guaranteed return, a product chosen before the circumstances are understood or a financial outcome that no adviser can promise.
If this is the question you want to work through, complete the form below this video and answer it as accurately as you can. This information helps the team understand whether the conversation is relevant and what you would like to discuss. Your planning conversation should make the next decision clearer, not create another layer of uncertainty.
If you want to understand what your super and other arrangements may support in retirement, complete the short form below. Depending on what you tell us, you may be invited to book a free consultation with Aureus Financial.
This is general information only. Personal advice depends on your objectives, financial situation and needs, and on the proper advice process.
Thanks for booking an initial consultation with Aureus Financial.
On the call, we'll ask about the retirement you're planning for, what you've already put in place and which decisions you want help with.
You don't need a finished plan. If you have a recent super statement and a short list of questions, keep them nearby.
We'll listen first, then explain what may deserve a closer look. If further advice looks useful, we'll talk through the proper next step, scope and fees before you decide whether to continue.
We look forward to speaking with you.
No.
You can begin with a rough timeframe and the lifestyle you want retirement to support.
That gives the planning conversation something useful to work with. The date can become clearer as you understand your super, investments, spending needs and options.
Your super balance is only one part of the answer.
Retirement planning may also involve the income you want, other investments, when you plan to slow down, protection, Centrelink and estate decisions.
The aim is to understand how those parts affect one another before making a recommendation.
Bring the current fund position and the retirement question you want it to help answer.
An SMSF can provide control, but the investment strategy and structure still need to serve your objectives and fit the wider household plan.
Personal advice depends on your circumstances and the proper advice process.
The first conversation helps us understand your situation and the questions you want answered.
If further work looks useful, the team can explain the advice scope, documents and fees before you decide whether to proceed.
Any personal recommendation comes after the proper discovery and advice process.
Hi,
Thanks for booking an initial consultation with Aureus Financial.
We'll use the conversation to understand the retirement you're planning for, what you've already put in place and which questions you want help with.
You don't need a finished plan. If you have a recent super statement and a short list of the decisions on your mind, keep them nearby.
Speak soon,
Aureus Financial
Hi,
Before we speak, write down the three retirement questions you most want answered.
They might be about timing, the lifestyle you want, how your super is invested, an SMSF, Centrelink, protection or estate planning.
Then note what has changed recently. That gives us a practical place to begin.
Aureus Financial
Hi,
Your super is an important part of retirement planning, but it isn't the whole plan.
The income you'll need, when you want to retire, other investments, protection and estate decisions can all change the answer.
That's why we'll ask about the life you want to fund as well as the accounts and structures you already have.
Aureus Financial
Hi,
Your consultation with Aureus Financial is tomorrow.
Please keep any questions and useful documents nearby. If something has changed or you need to move the call, reply to this email and let us know.
Aureus Financial
Hi,
We're looking forward to speaking with you today.
We'll start with the retirement you're planning for, then work through your current arrangements and the questions that brought you to the call.
Aureus Financial
Hi,
We missed you on the call today.
If you'd still like to discuss your retirement, super and wider financial plan, reply to this email and we'll help you find another time.
Aureus Financial
Hi,
A super balance can tell you what you've accumulated. It can't tell you what sort of retirement that money may support.
For that, start with the life the money needs to fund. When would work ideally slow down? What would a comfortable week look like? Which costs may change, and which are likely to stay?
Those answers give the financial decisions a purpose. Super, investments, possible income sources and protection can then be considered against the same retirement objective.
Try describing the retirement lifestyle on one page before reaching for a calculator. Include the people, places and routines worth protecting. That gives the numbers something real to work toward and makes the next planning conversation more useful.
If help connecting the life and the money would be useful, Aureus Financial offers a free initial consultation.
Aureus Financial
Hi,
An exact retirement date isn't required before planning begins.
Some people move to part-time work first. Others want flexibility for family, travel or a gradual change in pace. The preferred date can move as work, health and family circumstances change.
Speaking with an adviser earlier creates time to compare options and understand which decisions deserve attention. It doesn't lock anyone into a final day at work.
A useful first step is choosing a broad period, such as within three to five years. Then ask what would need to be true for retirement in that period to feel workable. Spending needs, super, investments, debt, protection or other household assets may all affect the answer.
The goal is to see whether the current arrangements are moving toward the same future, while there's still time to weigh the available choices.
Aureus Financial helps Australians bring those decisions into a personal retirement plan. A free initial consultation is available for people who want to discuss their situation.
Aureus Financial
Hi,
Retirement planning often becomes easier to see when four areas sit on the same page: timing, the lifestyle and income required, super and investments, and the protection or estate decisions around the family.
Each area can be considered separately. The useful question is whether the decisions support one another.
A change in retirement timing can alter the income plan. An investment decision can change risk and access to money. Estate arrangements may need to reflect the structures and assets actually held. If an SMSF is involved, its strategy still has to serve the broader retirement objective.
Draw four boxes on a page and put the current decision under each one. Add a line wherever changing one choice would affect another. This quick exercise doesn't replace advice, but it can expose the questions worth taking into a planning meeting.
Aureus Financial provides retirement, superannuation, investment, protection, estate-planning and SMSF advice where those areas are relevant to the client's circumstances. Personal recommendations only follow the proper discovery and advice process.
If the four boxes aren't yet pulling toward the same retirement, a free initial consultation is a practical place to begin.
Aureus Financial
Hi,
An SMSF gives trustees control over a structure and the assets held inside it. The structure doesn't decide what retirement should look like or how the fund fits with everything outside super.
That wider job may involve retirement income, investment risk, contribution decisions, other household assets and estate planning.
If the fund was established years ago, ask whether its current strategy still matches the retirement now being planned. Has the timeframe changed? Are the assets still serving the same purpose? Do decisions outside the fund alter the wider picture?
Aureus Financial provides SMSF and retirement advice where it's relevant to the client's circumstances. A proper review starts with the objective, then considers the structure and investments serving it.
A free initial consultation is available for people who want to put that wider retirement question on the table.
Aureus Financial
Hi,
A polished retirement plan isn't needed before the first conversation. The purpose of that meeting is to explain the situation, raise the questions and understand what further work may be useful.
A recent super statement is a helpful starting point. Bring details of other investments or major assets, along with any existing insurance, estate-planning or SMSF arrangements that could affect the discussion. Exact figures can be confirmed later if they aren't close at hand.
It also helps to note what has changed. Retirement may feel closer than it did a few years ago. Work may now be winding down differently. Family responsibilities, protection needs or estate plans may no longer match arrangements made in the past.
Most importantly, write down the retirement questions that keep coming up. When could work reduce? What lifestyle should the plan support? How does super fit with the rest of the household position? Which decisions need attention first, and which can wait?
During a free initial consultation, Aureus Financial can hear that context and discuss the possible next step. The meeting itself doesn't promise a completed plan or personal recommendation. If advice looks appropriate, the scope, documents and fees should be explained before a decision is made about continuing.
Good preparation doesn't mean having every answer. It means bringing enough context for the right questions to be asked.
Aureus Financial
Every asset above has a place in this flow. The system is designed to guide suitable prospects from the first ad to an enquiry or booking with your business.
We handle every piece of the build, deployment, and the first 30 days of campaign management. You film, we run.
If yours isn't here, it's the first thing we'll cover on the call.
