Get Retirement Ready

We help Australians over 55 optimise their financial position to feel confident about retirement. PRESS PLAY to learn more:

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5/5 based on 200+ happy clients

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Retirement Advice Specialists

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No Ongoing Fees or Commissions

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Fully Licensed & Qualified

    
 
 
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   melinda g 
 
 
 
  Philippa is so nice to deal with. She listens and takes her time explaining things. It’s so worthwhile completing this process pre retirement. Highly recommended.
  
 
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   FamHemo 
 
 
 
  Prompt, accurate and personable retirement planning advice
  
 
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   Thomas Pinn 
 
 
 
  great expertise at a fixed price. the way to go for honest and effective financial advice. thank you.
  
 
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   Lisa 
 
 
 
  My husband and I would like to take this opportunity to thank Stephanie Spencer for all her help and guidance over the last few months. Her advice has been invaluable to us. She was so patient with us, answering our many questions and clarifying things whenever we got confused. She is very knowledgeable, professional and on top of that, such a lovely lady! Also special mention must go to Yana Sorenson for patiently answering my multitude of questions. We would highly recommend Stephanie and Toro Wealth to anyone seeking specialised, personal advice.
  
 
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   Lyall Pearce 
 
 
 
  I found Toro Wealth Financial Services to be responsive to emails, friendly in Zoom meetings and deliver on their promises. The advice I received was comprehensive, detailed and 'user friendly'. I would recommend Toro Wealth Financial Services to anyone.
  
 
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   Peter Whittingham 
 
 
 
  We engaged Toro Wealth Financial Advice and were lucky to secure Justin as our advisor. He quickly put us at ease and has a terrific ability to explain things clearly and concisely. From the first session where he helped us flesh out our ideas of how we might like our retirement future to look, right through to the final meeting where he presented the completed plan and outlook, Justin's expertise and patience were clearly evident. We wouldn't hesitate to recommend Justin! Pete and Kerryn
  
 
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   Lyn & Dan 
 
 
 
  Mitch Buckley represented Toro Wealth in assisting us with retirement planning. From the first meeting Mitch was clear with his questioning, and understanding our objectives and our requirements going forward. Mitch made the whole process pain free, and easy to follow. At the end of the process Mitch provided a well planned statement of advice (SOA) that outlined a clear path forward allowing us to retire early with a view to enjoying a life with financial freedom. We would recommend Toro Wealth and Mitch Buckley to anyone looking for assistance with planning their retirement.
  
 
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   Lyn Wladysiuk 
 
 
 
  Mitch was very professional right from the start & listened carefully to our retirement goals & our answers to his questions. He clearly explained the Statement of Advice & made the retirement process easy to understand. I would recommend Mitch & Toro Wealth for anyone seeking retirement advice or planning solutions.
  
 
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   Darren Towill 
 
 
 
  Mitch was fantastic, being 53 and getting close to retirement, I needed peace of mind that I was being smart with my money and Mitch made me feel at easy ,answering all my questions and concerns. I feel comfortable knowing I am in control of my finance with the portfolio that Toro has put together.Also knowing I can call on  Mitch for any future changes that may occur

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

We Implement strategies specific to your situation to 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.

We’ve helped 100s of people reach their retirement goals

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"

Let’s Get You Retirement Ready!

Book Your FREE Initial Consultation >>

OUR PROCESS

How it works

With our unique approach to personal retirement planning, we follow a specific proven process. Here’s 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

We request that you provide us with all of your financial details, including income, expenses, assets and liabilities. This way we know exactly what position you are currently in. We use this as a starting point to see if you are on-track to achieving the goals you want to achieve.

03. Provide Advice

We use our smarts to optimise your financial position, minimise tax, maximise your investments, control risk and document all of our recommendations to get you to where you want to be. We put a solid foundation and strategy in place, so you can enjoy a comfortable retirement.

It’s a proven and personalised process that we know works. We keep your finances straightforward, yet effective, so you can feel confident, stress less and enjoy your retirement more.

Let’s Get You Retirement Ready!

Book Your FREE Initial Consultation >>

Meet Your Advisers

Mitch Buckley

SENIOR FINANCIAL ADVISER

CFP®, LLB/BCom, GradDipFP

Book With Mitch

Mitch is a highly skilled financial adviser with expertise in superannuation, taxation, and retirement planning.

Holding a Bachelor of Laws & Commerce degree along with a Graduate Diploma of Financial Planning. Mitch leverages his strong academic background to deliver clear and concise financial advice to his clients.

Known for his strategic thinking and meticulous preparation to each client meeting, Mitch ensures that every client receives advice that is comprehensive and tailored to their needs.

He takes great pride in providing practical, actionable advice that helps clients approach retirement with confidence and peacc of mind.

Stephanie Spencer

SENIOR FINANCIAL ADVISER

BCom (Fin, FinPlan), Dip. Bus

Book With Stephanie

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.

Justin Wilson

SENIOR FINANCIAL ADVISER

CFP®, BEc, DipFS

Book With Justin

Drawing on over 14 years of experience in financial planning, Justin brings invaluable knowledge and guidance to his clients at Toro Wealth.

Justin is a highly educated Certified Financial Planner®, with a Bachelor of Economics and a Diploma in Financial Services.

Known for his approachable style and deep commitment to his clients, Justin takes the time to understand each person’s unique goals.

He’s passionate about helping clients transition smoothly into retirement, ensuring they’re well-prepared to enjoy the lifestyle they’ve worked hard to achieve.

Bobby Byrne

SENIOR FINANCIAL ADVISER

BCom (Fin, FinPlan) (Hons), SSA™

Book With Bobby

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

SENIOR FINANCIAL ADVISER

BCom, BFin (Hons), AdvDipFS

Book With Philippa

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.

Let’s Get You Retirement Ready!

Book Your FREE Initial Consultation >>

See what others are saying…

Let’s Get You Retirement Ready!

Book Your FREE Initial Consultation >>

FAQ’s

How much do you charge for a retirement plan?

Our fees are outlined in the video above, but we keep things simple with a one-time flat fee. For more complex situations, there may be a slight adjustment, which we’ll discuss upfront during your initial consultation

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.

Let’s Get You Retirement Ready!

Book Your FREE Initial Consultation >>