Pre-Retirees

Whether your plan is to work less, or not work at all

– we’ll help you create the wealth you need to enjoy all that life has to offer

After decades of focussing on your career, work, kids and everything else life throws at us, the idea of retirement, while sweet, can be a little daunting…

What will life be like when you’re no longer working?
Will you have the money to lead the lifestyle you want to lead?
How much money are you even going to need?

That’s where we come in. We help people in their 40s, 50s and 60s build and protect their wealth, invest their money and take advantage of the tax opportunities and advantages that become available as you near retirement – so they can enjoy the now, while looking forward to the next chapter.

Financial planning, advice and management that’s about more than just making money

We are a full-service financial advisory practice that focuses on the ‘why’ as much as the ‘what’ – because we believe it’s what financial success helps you to achieve personally that matters most.

It generally looks something like this:

Step1

Find clarity

We start with what matters most to you and what you want from life, so that we know what financial freedom and lifestyle balance looks like for you.

Goal setting
Lifestyle planning
Income needs

Create a pathway

Next, our financial planners design a strategy and pathway that will allow you to achieve your financial and lifestyle goals. This includes:

Your long-term wealth and income strategy
Tax minimisation strategies
Investment planning
Maximising your super
Insurances
Estate planning

Step2

Step3

Make it happen

Taking care of everything, we manage the process and liase with the various entities to ensure your plan is actioned as it should be. This includes:

All account and policy applications
Rollovers and transfers
Compliance and legislative checks
Setup of investment accounts, platforms and portfolios

Build your wealth

Applying a smart and strategic approach to investing and managing your money, we help you maximise your wealth accumulation opportunities as you get closer to retirement.

Portfolio reporting
Investment management
Tax-effective investment strategies
Cashflow management
Goal tracking
Annual strategy review meetings
Access to your advice team as and when needed

Step4

Step5

Live Better

With us in your corner, managing your finances and taking care of all the details, you start feel more confident and optimistic about the next chapter and have the time and financial freedom to focus on the things that matter most in your life.

Nick

‘I had been struggling to find an advisor for sometime until Prosper was recommended by a work colleague. Two words – first class.

The service has been impeccable and they have helped my wife and I not only gain a granular understanding of our current financial position, but also embed a strategy to work towards our goal of financial freedom.’

Lorraine

‘In these uncertain times, Josh is a voice of reason and calm. He gently suggests strategies for investments in a way that I feel I have a balanced portfolio with a long-term strategy.

It’s reassuring to know my plans for an independent retirement are a reality. While I expect financial advisors to have the technical ability, Josh adds a personal dimension with his ability to gain rapport and engage in a meaningful relationship.’

Is Prosper Advisory the right partner for you?

Your time and money is precious. The last thing we want to do is waste it.

We only partner with clients, if and when, we’re confident the value we’ll deliver will far outweigh the cost of our services. Typically people on higher incomes, with with money or assets outside of the family home to invest.

If you’re not there yet, that’s ok – there are other ways we can help. Our tools, articles and Director Josh Pennell’s book ‘What Parent’s Want’ can help you improve your financial position and begin creating the lifestyle you want.

Find out more