Rancie Financial

Rancie Financial operates from its Melbourne office in Greater Melbourne. A Collins Street Melbourne practice specialising in advice for individuals, couples and families. Retirement transition is an important part of its work, alongside investment management, superannuation, Age Pension and Centrelink entitlements and financial decisions arising from aged-care needs.

The firm's advisory work considers the client's existing circumstances and objectives before recommending financial strategies. The relationship may extend beyond an initial meeting, with reviews to reflect changes in work, family commitments and future spending.

Retirement planning examines income after employment, expected living costs and the order in which resources might be used. It can also consider changing healthcare needs and family obligations during later life.

Superannuation advice covers contributions, fund arrangements and the way retirement savings may support future income. The needs of a working client accumulating super can differ from those of a retiree preparing withdrawals.

An SMSF involves investment choices together with management costs and regulatory responsibilities. Advisers can discuss whether the structure is appropriate for a client's experience, circumstances and retirement plans.