At MLS Financial, we specialise in Retirement Planning for individuals and couples in Penrith and Western Sydney. Whether you’re approaching retirement or already enjoying it, our advice team helps you take control of your financial future with clarity and confidence.
With over 20 years of providing personalised advice, we’ve supported hundreds of Penrith locals in building a sustainable retirement income, protecting their wealth, and living the lifestyle they deserve.
Our Retirement Planning services are practical, transparent, and tailored to you. Our advice helps you to live comfortably, enjoy life, and have confidence and peace of mind.
Retirement is one of the most significant transitions in life. The decisions you make in the lead-up to retirement—and during retirement—can impact your lifestyle, income, tax effectiveness, age pension eligibility, and ability to support loved ones.
A strong Retirement Plan ensures you can:
Too often, we see people enter retirement without a plan. They may have superannuation and some investments, but without advice, these assets aren’t used efficiently or may run out earlier than expected.
At MLS Financial, our Retirement Planning advice is tailored to your circumstances, goals and values. Every client is different, and we take the time to understand what a comfortable retirement looks like to you.
We begin with a conversation to understand your current financial position, expected retirement age, lifestyle goals, and any concerns. Whether your focus is on travel, supporting family, downsizing, or simply having enough to enjoy life, we want to hear your story so we can provide advice fit for you.
We assess your superannuation, assets, income sources, debts, and potential entitlements. We then model different Retirement Planning strategies to show how long your savings may last, the impact of different retirement ages, and options to increase or smooth your income.
We help you structure your income from multiple sources—including superannuation pensions, account-based pensions, investments, cash savings, and Centrelink—to be tax-effective and sustainable. Our focus is not just on investment performance and preserving wealth, but also on cash flow, flexibility and peace of mind.
One of the key areas of Retirement Planning in Penrith is navigating the Age Pension and Commonwealth Seniors Health Card. We help you understand your eligibility, how your assets and income affect your entitlements, and how to structure your finances to maximise benefits where appropriate. We also assist with ongoing Centrelink administration if required.
Retirement isn’t a one-time event—it’s a journey. Our Retirement Planning clients benefit from ongoing reviews, support during market changes, and updates when rules or policies change. We keep your plan up-to-date, so you don’t need to worry.
Our Retirement Planning service is designed for:
We have a range of strategies and services to help most Penrith locals to retire with confidence. We assist from full advice services, through to Centrelink only assistance.
The best time to start Planning for Retirement is as early as possible, the next best time is 5–10 years before you retire. This gives you time to structure your super, make tax-effective contributions, consider downsizing, and prepare emotionally and financially.
Even though we recommend early Retirement Planning, it is still beneficial for advice right before you retire. We can still help to structure your assets and ensure your strategy is right for you.
This depends on your lifestyle goals, spending habits, health, and income sources. A common benchmark is around $60,000 p.a. to $80,000 p.a. for a couple who own their own home, seeking a comfortable lifestyle, but this can vary significantly. We help you define the right figure for you, based on your personal goals and situation. Give us a call if you want to find out more about how much you should spend in retirement.
How much you need is directly related to how much you want to spend in retirement. Our advice process helps you to understand if you have sufficient assets to maximise your lifestyle in retirement. We factor in your superannuation, existing assets, plans to downsize, as well as Centrelink support. We overlay these with our recommended strategies to ensure you are structuring your assets to minimise tax, and maximise the income you can generate sustainably.
Yes, many of our clients receive part or full Age Pension while also drawing income from their super or other investments. Strategic structuring is key to maintaining benefits while keeping flexibility and control over your money.
We’re a local financial planning business based in Penrith with a strong reputation for trust, care and quality advice. Unlike larger institutions, we offer a personal service with long-term relationships at its core.
If you’re looking for Retirement Planning in Penrith and want personalised, practical advice from a local team that cares, we’re here to help.
Call us today on 1300 791 800 or contact us for an initial consultation. We’ll sit down with you, get to know your story, and show you what’s possible.
Make the most of your retirement. Plan with MLS Financial.
