Retirement Financial Advice
Learn about our service and fees – PRESS PLAY
Important: Personal financial advice is provided by our licensed financial planning firm Toro Wealth (Corporate Authorised Representitive of Core Value FA Pty Ltd. AFSL: 480 387)
Our ONE-ON-ONE RETIREMENT PLANNING is for people (like you!) who want to optimise their finances and have complete confidence leading into retirement. We work with you to clearly define your retirement goals and ensure you make the correct financial decisions during your final working years. You’ll know precisely when you can afford to retire and the step-by-step plan to get you there.
Arrange a Free Appointment Today >>
"They know the systems back to front and look at each individuals situation and develop strategies to get the best for their clients."
Melanie M.
"They gave us the confidence that we could retire now and that was just such a good feeling!"
Catherine G.Get retirement ready with help from our advice team
Working with our advice team is the first step to transitioning to a stress-free retirement. We are experts at helping 50 to 70 year olds get comfortable and confident in their retirement plan.
We will help you:
Get clarity on your goals and objectives. Much of our initial time together is devoted to discussing your goals and where you see yourself in the months, years and decades that lay ahead. Only by knowing where you are headed can we determine what you should be doing now.
Optimise your finances. With your goals as our basis, we organise your finances and allocation of income to be aligned with what you would like to achieve.
Retire sooner. Implementing strategies specific to your situation will undoubtedly increase your wealth and provide you with more for retirement.
Avoid costly mistakes. Superannuation, investment and retirement rules change every single year and there are thousands of them. One mistake can set you back years – we will steer you clear of these.
Give you the confidence you’re on track. Our personalised long-term projections give you the big picture of your retirement outcome. It will provide you with perspective on the decisions you make now and how they could influence your future.
We’ll give you the step-by-step, year by year strategy that you need to alleviate overwhelm and give you confidence in your retirement, so that you can enjoy the things that retirement was meant for.
TESTIMONIALS
"We couldn't be happier with the outcome that we got. Highly recommend you to anybody out there that is in the same situation as us. "
"They were easy to work with, it was a very seamless process, just everything was really wonderful. I do highly recommend them, absolutely!"
"If you're in thinking of engaging with Toro Wealth to assist you with your retirement planning, do not hesitate. They're amazing."
Arrange a Free Appointment Today >>
How it works
01. Goals and Objectives Discovery Session
The first step is to learn about YOU.
1. Who you are – Your personality, what motivates you, and what’s important to you.
2. Where you are financially… and also whether you’re working full-time, part-time OR not at all and lastly and most importantly,
3. Where you want to be in retirement and your ideal work plans between now and then.
02. Initial Projections
03. Provide Advice
Arrange a Free Appointment Today >>
Meet Your Advisers
Philippa Baker
SENIOR FINANCIAL ADVISER
BCom, BFin (Hons), AdvDipFS
With over 20 years of experience in the financial planning industry, Philippa brings a wealth of knowledge and expertise to her clients.
Philippa holds a Bachelor of Finance with First Class Honours, a Bachelor of Commerce with a double major in Financial Planning and Accounting, an Advanced Diploma in Financial Services, and SMSF Specialist Accreditation.
She has also lectured on Financial Planning at various university campuses. Philippa’s wide range of qualifications and experience make her a valuable asset to her clients and the industry at large.
She is passionate about making a positive difference in people’s lives by helping them achieve their desired retirement lifestyle sooner.
When she’s not spending quality time with her young family, Philippa enjoys all things outdoors, in particular going to the beach with her stand-up paddle board or mountain biking through the forest.
Samuel Kerr
SENIOR FINANCIAL ADVISER
MFinPlan, BPsych, Dip. FMBM
Sam is an experienced, professional and highly-educated financial adviser who prides himself on delivering truly holistic financial advice that is always in the best interest of his clients. He has extensive technical knowledge and experience in superannuation and retirement planning.
Sam has completed a Master’s Degree in Financial Planning as well as a Bachelor’s Degree in Psychology. He also holds an Advanced Diploma of Financial Planning, ASX-Listed Product Accreditation, and is a Member of the Financial Advice Association of Australia. With his strong educational background and professional credentials, Sam is well-equipped to provide expert and ethical financial guidance.
In addition to his passion for helping clients achieve their financial goals, Sam is also an avid traveller and outdoorsman. He enjoys scuba diving, snowboarding, mountain trekking and playing sports.
See what others are saying…
Arrange a Free Appointment Today >>
FAQ’s
How much do you charge for a retirement plan?
For a comprehensive retirement plan we charge a one-time flat fee of $4,000 plus GST, for individuals, and $5,000 plus GST for couples. We charge a little more for complex situations, but this can be discussed during the initial consultation. Either way, our fees are certainly on the lower side of what most financial planners charge.
How do I know if I need financial advice?
Financial advice is beneficial if you’re about to make a large financial decision or are in your final working years/months. Financial advice can provide you with the precise steps you should take to not only eliminate potential mistakes, but also optimise your financial position.
How is one-off financial advice different from ongoing advice?
One-off financial advice is different from ongoing advice because one-off advice benefits you, whereas ongoing advice benefits your adviser.
For the very large majority of people, one-off advice for a one-time cost will suffice. You can always request additional advice if required in the future. Ongoing advice is expensive and unnecessary, unless you are a very busy professional or business owner who needs constant contact with a financial adviser. Apart from that, ongoing fees provide more support to your adviser’s business than they do to your financial well-being.
Can I trust the advice provided by Toro Wealth?
You can trust the advice provided by Toro Wealth. Our team of financial advisers are very experienced, well-educated and will always provide advice in your best interest. There is no incentive for Toro Wealth advisers to provide advice to the contrary.
Will my personal information be kept confidential?
Absolutely. We take your privacy very seriously and adhere to strict confidentiality protocols to safeguard your personal and financial information.
What if I need help after receiving one-off financial advice?
If you need further assistance, you can always reach out to our team for additional support or schedule another one-off consultation. If significant updates to advice is required due to a change in circumstances, additional written advice may be required. In all instances, further charges are likely to apply, but will be disclosed prior to any work being performed.
Can one-off financial advice help with my long-term goals?
Absolutely. One-off financial advice aims to provide a solid foundation for your financial plan, ensuring it is aligned with your long-term objectives and helps you progress towards achieving those goals.
Arrange a Free Appointment Today >>
