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When it comes to growing your capital, we focus on ensuring your capital is deployed profitably and cost-efficiently but in accordance with your expressly agreed goals, risk settings and ethical standards.

We’re not just talking about growing capital to enjoy once you’ve retired. Although that’s part of the equation, your capital should be providing enjoyment for you now as well.


If it’s part of your goals, your capital may also provide for others too – both during your lifetime and beyond (via estate planning and charitable foundations, for example).





After meeting with you and completing a thorough assessment of your situation, we then develop a personalised investment portfolio.

Although your original situation, goals and risk profile inform the initial broad asset allocation of your portfolio,
we consistently conduct performance reviews in order to fine-tune your strategy and ensure it stays relevant
to your current situation and goals.

Our priorities include:

  • Minimising the cost of investing

  • Preserving capital

  • Allocating investments to the most effective funds for your circumstances

  • Tailoring your investments to your risk profile and minimising risk wherever possible

  • Consistently reviewing results and your circumstances and amending our advice where applicable


Superannuation is a lifetime investment made up of compulsory contributions from your employer and optional personal contributions. Your balance is also invested by your super fund in order to increase its value over time.
Your superannuation’s purpose is to provide an income source after you retire. We can assist in maximising the effectiveness of your super by navigating the complexities surrounding investment strategies and managing your transition into retirement.

Self Managed Super Funds (SMSF)

A self-managed superannuation fund (SMSF) is another way of saving for your retirement. The principle difference between these and other types of super funds is that members of an SMSF are also the trustees and thus, operate the fund for their own benefit. Engaging in an SMSF is a major financial decision with inherent complexities in its administration.

If you are considering an SMSF for your super savings we can provide you with practical advice and assure your
fund is set up and maintained correctly to comply with regulation and maintain eligibility for tax concessions.

We are accredited SMSF Specialist Advisers via the SMSF Professionals’ Association of Australia (SPAA).


Leaving full-time employment is a great opportunity to enter a new and very rewarding life stage. It’s also a time
to take stock of your current situation, clarify goals, identify opportunities and tailor your financial situation to support these. 

Creating a plan for your transition into retirement is about strategically investing your accumulated savings and superannuation in order to replace your salary with regular income throughout retirement.

Being financially secure in retirement is incredibly important to your quality of life once you have stopped working. It provides choice and independence in retirement – both essential ingredients for a happy and fulfilling life. Planning your transition to retirement means you can control your path and create a satisfying work-life balance while ensuring your money is being managed in the most efficient way. Financial Planning is an integral part of this process  and Capital Focused is dedicated to work with you every step of the way.


A few things to consider regarding retirement:

Life Expectancy

A key piece of information in your retirement plan is an estimate on your expected remaining years of life. Whilst most people find this unpleasant or uncomfortable to think about, planning in this way means that you can live your life to the fullest by decreasing your ‘longevity risk’ (the risk of outliving your retirement savings). This estimate provides a ballpark figure regarding the number of years your alternative income must be capable of supporting your lifestyle. This will inform the amount you need to retire and give you an idea of a suitable time to enter retirement.


Retirement Age

In Australia there is no fixed retirement age, however you can currently access superannuation benefits tax-free from age 60. Retirement age, ideally, is chosen by you according to your ability to financially support yourself and is dependent on the costs associated with your desired lifestyle after stopping work.


Planned Expenses

​Your planned expenses after retirement will depend on your intentions, goals and lifestyle choices. It is common for people to plan for a larger post-retirement income initially, when they may pursue travel or hobby related activities which were not possible when working full-time. As people who have retired continue to age, their expenses may vary in line with their changing lifestyle. It is helpful to plan for your desired retirement in order to ensure you have adequate funds. 


Unforeseen Expenses

There are always uncertainties that even the best plans can’t predict. Thus, it is recommended to maintain flexibility in your retirement investments and account for unforeseen expenses which are likely to occur. Insurance can also be an effective solution to catering to these events. A prolific observation in the medical field is that average health costs increase steeply with age. Other events which may increase your required income during retirement include changes to tax laws, market crises or unexpected life events. By allocating funds in case of these events, you are even closer to securing your financial security in retirement.

The single most effective tool to ensuring a comfortable retirement is planning. By being aware, you can be prepared. Capital Focused can assist you in creating a retirement plan by maximising opportunity and entitlements. Every cent counts in retirement so give us a call today to discuss your options.

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