Retirement Financial Advice
Learn about our service and fees – PRESS PLAY
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.
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.
Have 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
I highly recommend Toro Wealth
"If you want independent advice for your situation to secure your financial future, then I highly recommend Toro Wealth"
I do highly recommend them, absolutely!
"They were easy to work with, it was a very seamless process, just everything was really wonderful. I do highly recommend them, absolutely!"
Do not hesitate. They're amazing
"If you're in thinking of engaging with Toro Wealth to assist you with your retirement planning, do not hesitate. They're amazing."
We couldn't be happier with the outcome
"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. "
I would highly recommend their professionalism
"For anyone thinking of working with Toro I would highly recommend their professionalism and the confidence they gave me for my retirement plans. Thank you Shane and all the team at Toro Wealth"
How it works
01. Goals and Objectives Discovery Session
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
Meet Your Advisers
Stephanie Spencer
BCom (Fin, FinPlan), Dip. Bus
Steph is an experienced financial adviser with a comprehensive background in holistic financial planning. She is deeply passionate about guiding pre-retirees, finding great fulfillment in helping clients at such a significant stage in their lives.
Renowned for her ability to clearly explain financial concepts to clients of all financial literacy levels, Steph is highly regarded for her genuine care, meticulous attention to detail, resourcefulness, and commitment to providing ethical, unbiased advice. These qualities make her a sought-after adviser for clients across Australia.
Steph holds a Bachelor of Commerce degree with double majors in Finance and Financial Planning. Committed to continuous professional development, she is also the recipient of the Financial Planning Association’s Women in Finance Scholarship.
Bobby Byrne
BCom (Fin, FinPlan) (Hons), SSA™
Bobby is an experienced financial adviser with exceptionally high technical knowledge in the areas of superannuation, SMSFs, taxation and retirement planning.
Bobby has completed a Bachelor of Commerce majoring in Finance and Financial Planning, graduating with Honours. He is also a an accredited SMSF Specialist Adviser through the SMSF Association.
Bobby’s dedication to his clients ensures they can feel confident in making the right financial decisions as they transition into retirement.
Bobby prides himself on his strong commitment to continuous education and unrivalled preparation to each client meeting.
Philippa Baker
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 achieved 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.
See what others are saying…
FAQ’s
How much do you charge for a retirement plan?
For a comprehensive retirement plan we charge a one-time flat fee of $4,500 plus GST, for individuals, and $5,500 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?
How is one-off financial advice different from ongoing advice?
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.