Our Services

Three clear, professionally delivered services — each designed to meet you exactly where you are.

Retirement Planning

Comprehensive retirement advice, backed by a full Statement of Advice (SoA).

If you’re within the decade before retirement and want to make sure your wealth works as hard as you did, this is the service for you. We build a complete, personalised retirement strategy — covering every selected element of your financial position and giving you a documented plan you can act on with confidence.

What’s Included

  • Retirement income planning — structuring how you draw down wealth in the most tax-effective way
  • Transition to Retirement (TTR) strategies — continuing to work while starting to access super
  • Maximising super contributions in the years before you finish work
  • Centrelink and Age Pension optimisation — making sure you receive every dollar you’re entitled to
  • Investment portfolio review and strategy
  • A full Statement of Advice (SoA) — a legally compliant, personalised document outlining your strategy

 

Who It’s For: Australians aged 55–67 with $500,000+ in combined superannuation and/or investible assets who are serious about getting their retirement right.

 

This comprehensive service starts from $3,750 for individuals with straightforward needs. Service scoping and pricing is adjusted based on complexity and work involved to ensure fair and transparent service value.

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Cashflow Clarity

Professional modelling for those not wanting an advice service

We recognise that not everyone wants or requires a comprehensive financial plan. Sometimes you need one specific question answered — clearly, professionally, and by someone who knows how to model the numbers.

Cashflow Clarity is a focused, and client driven non-advice service for confident, self-directed people who want their thinking validated by a qualified professional. No Statement of Advice, no personal, strategy or product recommendations — just rigorous modelling so that you can make informed decisions.

 

Example questions this service can help you to answer:

  • “We have $900,000 in our super and want to spend $65,000 per year. How long will our money last?”
  • “Can I afford to retire in two years time at 62, or do I need to work until 65?”
  • “Will I be eligible for the age pension at any time during my retirement?”
  • “If I make $5,000 of extra concessional contributions for the next three years, what difference will it make to my super balance?”

 

Who It’s For: Self-directed people who have done their own thinking and want an expert to model the numbers. This is a faster option for people who know what they need.

 

Please note: This is explicitly a non-advice service. No Statement of Advice is provided, no recommendations, opinions or product recommendations are made. Modelling starts from $990.

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Personal Protection Plan

Standalone personal insurance — without engaging in full financial planning.

Most financial planning firms only review your insurance as part of a full advice engagement. If all you need is your personal insurance sorted — life, TPD, income protection or trauma cover — you shouldn’t have to sign up for a comprehensive plan to get it done.

The Personal Protection Plan is a standalone insurance review, backed by a scoped Statement of Advice covering insurance only.

 

What’s Included

  • Review of your existing personal insurance policies
  • Assessment of whether your current cover is appropriate for your situation
  • Recommendations on life, total and permanent disability (TPD), income protection, and/or trauma cover
  • A scoped Statement of Advice (SoA) — limited to insurance recommendations only

 

Who It’s For: Anyone who needs personal insurance reviewed or put in place, without engaging in full financial planning. Particularly valuable for people who hold legacy policies and have never had them properly assessed, individuals who have no current cover or those who have recently taken on additional debt or family responsibilities.

 

Please note: The SoA for this service is scoped to insurance only and does not take your wider financial needs into consideration. The price of this service starts from $990 plus commissions.

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Joshua Kozis is an Authorised Representative (No. 1270955) of Financial Streams Services Pty Ltd (AFSL 539661 | ABN 40 657 764 166). Financial advice is provided by way of a Statement of Advice where required under the Corporations Act 2001.