Prepared for Andrew Dunbar
Deliverables below
Every piece is finished, written in your voice, and yours to keep regardless of whether we work together.
Your super, investments and retirement income all affect the same retirement.
When each decision is handled on its own, it can be hard to see whether they're taking you in the same direction.
A tailored retirement plan brings the decisions relevant to you together, based on your goals and current circumstances.
Apt Wealth Partners can help you work through that picture and set out the decisions that need your attention.
If retirement is getting closer, start with an initial phone or video conversation about your goals and where things stand now.
If retirement keeps getting pushed to the bottom of your list, the questions don't disappear.
They sit there. What will your income look like? Is your super set up for what you want? Which decisions need attention now?
Retirement planning puts those questions in an order you can work through, using your goals and current financial situation.
You don't need to solve it all before speaking with an adviser.
Start a conversation with Apt Wealth Partners and talk through what you want retirement to look like and what needs to happen next.
Having super and investments doesn't automatically tell you how retirement will work.
You still need to connect what you own with the income you may need, the life you want and the decisions that apply to your situation.
A tailored retirement plan connects those finances to your goals, income needs and current circumstances.
Apt Wealth Partners begins with your goals and current financial position, then explains the services and fees it proposes before you decide whether to proceed.
If you want to see how your existing finances fit into retirement, start with a conversation about your situation.
Retirement can feel complicated when every question seems connected to another one.
The plan starts with your goals and current finances. Super, investments, income and any relevant rules then need to be considered in that context.
A retirement roadmap helps you see which questions apply to your circumstances and what needs personal advice.
Apt Wealth Partners can work through that with you and explain the proposed scope before any formal engagement.
If you're approaching retirement, talk with the team about your goals and the decisions in front of you.
One change to your super or financial position can leave your old retirement assumptions out of date.
Apt client Matt described facing that after a change to his defined benefit superannuation. He said the first conversation helped move him from panic to comfort.
That was Matt's experience. Your circumstances will be different, and any advice needs to start there.
An initial, obligation-free conversation with Apt Wealth Partners can happen by phone, video or in person. It covers your goals, your current financial situation and how the team may be able to assist.
If something has changed, talk through what it means for the retirement decisions ahead.
# Retirement planning VSL
Offer: Tailored retirement planning and financial advice
You want retirement to look like the life you've been planning for, with your super, investments and income working towards the same goals.
Apt Wealth Partners helps Australians approaching or entering retirement build a tailored financial plan around their goals and current circumstances. If you'd like to explore that, fill in the short form below this video and answer each question as accurately as you can. Depending on what you tell us, you may be invited to book an initial conversation by phone, video or in person.
As retirement gets closer, the decisions tend to become more connected. Super affects the income available later. Investment choices need to suit the plan they sit inside. Cash flow, protection, estate planning and possible entitlements may also be relevant, depending on your circumstances.
Looking at one part without the others can leave you with accounts and investments but no clear retirement direction. The point of retirement planning is to work out what applies to you, bring the relevant decisions together and set out what needs attention.
Postponing the work doesn't settle the questions. Apt's retirement webinar describes a pattern many Australians will recognise: retirement starts to feel overwhelming, worry builds, and planning gets put off.
A tailored plan gives those questions somewhere to go. It begins with the life you want, the financial position you have now and the decisions that may affect the path between them. Any recommendation then has to be based on your objectives, financial situation and needs.
Apt Wealth Partners is a privately owned, self-licensed financial advice firm. Its official FAQ says the team manages almost 3,000 families and 1 billion in client funds. The firm also has an in-house investment team that supports advisers with research and market information.
You start with an initial, obligation-free conversation by phone, video or in person. It covers your goals, your current financial situation and how Apt may be able to assist.
If the team believes it can help, Apt then prepares a proposal explaining the services it recommends and the associated fees. You see that scope before deciding whether to formalise the engagement. If you proceed, the work may include implementation and ongoing reviews according to the services you agree to.
You may already have super and investments and wonder what an adviser would add. The useful question is whether those holdings are connected to a retirement plan based on what you want and where you stand now. Products can be part of the answer, but they don't decide your goals, income needs or which other issues are relevant.
The right time to start depends on your situation. There isn't one answer that fits everyone. Your age alone doesn't determine the advice, and neither does a generic balance rule. A conversation about your actual position gives the team the context needed to explain whether and how it may assist.
Apt doesn't publish one standard advice fee because the proposed service depends on the person and the work involved. The firm's published process is to explain the proposed services and associated fees before formal engagement.
If the whole subject feels complicated, you're not expected to arrive with every answer. Bring what you know about your goals and financial position. The adviser can help make the relevant decisions understandable and explain what comes next.
There's published evidence of how that process has felt for individual Apt clients, although their experiences can't predict yours. Matt came to Apt after a change to his defined benefit superannuation. He said he and his partner were concerned about their future, and that the first conversation moved them from panic to comfort quickly.
David and Caroline described Apt as looking at the bigger picture and developing a plan and investment balance for their goals. These are attributed client accounts. They show the kind of planning relationship Apt provides, not a promise that every client will have the same result.
This service is for Australians who want personal retirement advice tied to their goals and current circumstances. It may suit someone approaching retirement, someone already retired and reviewing the plan, or an SMSF trustee who needs the fund considered within the wider retirement picture.
The service is unsuitable for someone looking for a guaranteed return, a universal answer or a recommendation made before an adviser understands their circumstances. Apt can explain the advice it proposes. It can't promise that planning will make any particular retirement outcome certain.
If you're ready to work through the retirement decisions in front of you, complete the short form below this video. Answer each question as accurately as you can. Depending on your situation, you may then be invited to book an initial phone, video or in-person conversation with Apt Wealth Partners.
Thanks for booking an initial conversation with Apt Wealth Partners.
You have probably booked because retirement is getting closer and there are decisions you want help working through. One of our advisers will start with the life you want, where your finances stand now and the questions that brought you here.
This initial conversation is obligation-free. It can happen by phone, video or in person. The adviser will explain how Apt may be able to assist, and the team will prepare a proposal with the recommended services and associated fees if further advice may be useful.
We'll send you a few emails before the conversation. They cover what to have nearby, how the advice process works and the questions people often raise about retirement planning.
You'll also find several clips below. Watch the ones that relate to your situation so the adviser can spend more of the conversation on your goals and current circumstances.
Apt doesn't publish one standard advice fee because the proposed work depends on your circumstances and the services you need.
The initial conversation you booked is obligation-free. It covers your goals, your current financial situation and how Apt may be able to assist.
If the team proposes further advice, you'll receive a plan describing the recommended services and associated fees. You can ask what's included, how any ongoing service works and what information the adviser will need from you, then decide whether to formalise the engagement after reviewing the proposal.
Bring any fee or scope question to the initial conversation and one of our advisers can explain the published process.
Financial advice can't guarantee an investment result or a particular retirement outcome.
Your plan has to be based on your objectives, financial situation and needs. The adviser can help you understand your current position, assess the choices that apply to you and explain the next steps. Investment markets, changes in your life and decisions made over time can all affect what happens.
Apt's process can include implementation and ongoing reviews when those services are agreed. Those reviews give you and your adviser a place to revisit the plan as your circumstances change.
Ask the adviser which assumptions sit behind any recommendation, what risks need to be considered and how the plan would be reviewed.
Apt doesn't publish a firm-wide success rate for retirement advice, and one percentage wouldn't describe the different goals and circumstances of every client.
The firm does publish useful evidence about its scale and client experience. Its FAQ says the team manages almost 3,000 families and $1 billion in client funds, and Apt also shares individual client stories, including retirement planning after a change to defined benefit superannuation.
Those client experiences belong to the people who shared them. They can't predict your result.
Use the initial conversation to ask how Apt would assess your position, what the proposed advice would cover and how progress would be reviewed if you choose to proceed.
Bring the details of your existing super and investments to the conversation because they're part of the retirement picture the adviser needs to understand.
The discussion can connect what you own with your goals, likely income needs and current circumstances. Depending on your situation, it may also need to consider cash flow, protection, estate planning, an SMSF or possible entitlements.
An adviser won't know which areas apply until they understand your position. Start with the retirement decision you want help with and the accounts you already hold.
One of our advisers can then explain which questions deserve closer work and how Apt may be able to assist.
Bring a rough view of your super, investments, income, spending and any debt that affects your retirement plans. If an SMSF, estate question, insurance need or family commitment connects to the decision, note that too.
You don't need to organise every document before the conversation. Recent statements can help, along with a short description of when you'd like work to change and what you want retirement to support.
Write down the question you most want answered. That gives the adviser a practical place to start.
The team can tell you what other information would be useful after hearing about your goals and current financial situation.
Your retirement planning conversation is booked
Preview: A few notes to help you prepare for the initial conversation.
Send: Immediately after booking
Thanks for booking an initial conversation with Apt Wealth Partners.
The adviser will ask about the retirement you want, where your finances stand now and the decisions you want help with. From there, the team can explain how Apt may be able to assist.
This initial conversation is obligation-free and can take place by phone, video or in person. If Apt later proposes financial advice, you'll receive the recommended scope and associated fees before deciding whether to engage the firm.
Apt is privately owned and self-licensed. Its published FAQ says the team manages almost 3,000 families and $1 billion in client funds.
You only need to bring what you know about your situation. The next email will help you decide what to have nearby.
Apt Wealth Partners
What to have nearby for the conversation
Preview: Your goals and current financial position give the adviser a useful start.
Send: Day 1, morning
You don't need a finished retirement plan before speaking with an adviser.
It helps to have a rough view of your super, investments, income and regular spending. You may also want to note any SMSF, debt, estate or protection question that connects to retirement.
Write down the retirement decision you want help with most. It could be when you can stop working, how much income your finances may need to support, or how an existing investment fits with the life you want.
Bring the information you already have. The adviser can tell you what else would be useful after understanding your situation.
Apt Wealth Partners
What do you want retirement to look like?
Preview: Your goals give the financial decisions a direction.
Send: Day 1, afternoon
Super and investments are easier to assess when they're tied to the retirement you want.
Think about the parts of life that will shape your plan. When would you like work to change? What will your regular spending need to cover? Are travel, family support, housing or health likely to change the amount you need available?
You can bring rough answers. The adviser needs enough context to understand your priorities and identify which financial questions require closer work.
Apt Wealth Partners
How your existing finances fit retirement
Preview: Super and investments still need to serve your retirement goals.
Send: Day 2, morning
You may already have super, investments and a good sense of what you own.
Retirement advice connects those holdings to your goals, likely income needs and current circumstances. It can also identify where cash flow, protection, estate planning, an SMSF or possible entitlements need to be considered.
The scope depends on your situation. During the initial conversation, tell the adviser what you already have and which decisions remain unresolved. That gives the team a practical place to begin.
Apt Wealth Partners
How the advice fee conversation works
Preview: You review the proposed services and fees before choosing to proceed.
Send: Day 2, afternoon
Apt doesn't publish one standard advice fee because the work depends on the services proposed for each person.
Your booked initial conversation is obligation-free. If Apt believes further advice may assist, the team prepares a proposal that explains the recommended services and associated fees. You can review that proposal before deciding whether to formalise the engagement.
Ask about the scope, what's included and how any ongoing service would work. You should understand those details before making a decision.
Apt Wealth Partners
When your retirement assumptions have changed
Preview: A change to super or work can affect the decisions ahead.
Send: Day 3, morning
A change to work, super, family needs or another part of your finances can leave old retirement assumptions out of date.
One client, Matt, spoke with Apt after a change to his defined benefit superannuation. In Apt's published client story, he said he and his partner moved from concern about their future to feeling comfortable after the first conversation.
That was their experience. Your advice would depend on your own objectives, financial situation and needs.
If something has changed, explain what happened and which retirement questions it created. The adviser can then work from the position you have now.
Apt Wealth Partners
What happens if Apt can assist
Preview: The team explains the proposed work before any formal engagement.
Send: Day 3, afternoon
The initial conversation covers your goals, current financial situation and the areas where you want advice.
If Apt may be able to assist, the next step is a proposal describing the services the team recommends and the associated fees. You decide whether to formalise the engagement after reviewing it.
Where you choose to proceed, the agreed work may include implementation and ongoing reviews. The exact services depend on the scope you accept.
Apt Wealth Partners
Bring one retirement question with you
Preview: A short note will give the adviser a useful place to start.
Send: The day before the conversation
Before the conversation, write down the retirement question you most want answered.
You could ask how your super and investments support the income you may need, which decisions deserve attention before work changes, or how an SMSF fits into your wider retirement plan.
Keep any relevant statements nearby, along with a rough view of your spending and other assets. You don't need to organise everything before the call.
The adviser will start with your goals and current situation, then explain how Apt may be able to assist.
Apt Wealth Partners
What do you want retirement to look like?
Preview: Your goals give super and investment decisions a practical direction.
Retirement planning begins with a picture of the life you want your finances to support.
Think about when work may change, how you expect to spend your time and what regular income may need to cover. Travel, family support, housing and health can all change the financial decisions around retirement.
Once those goals are written down, super and investments have a job to do. You can assess them against the retirement you're planning for rather than viewing each account on its own.
The numbers will need proper work later. A rough description of the life you want is enough to start.
Apt Wealth Partners
Put your retirement decisions on one page
Preview: Super, investments and income can affect the same plan.
Try writing these headings on one page: retirement goals, super, investments, income and other financial decisions.
Under each heading, add the question you currently can't answer. You may want to know when you can step back from work, how much income your assets may support, or how an SMSF fits with the rest of your finances.
The page will show where several decisions connect. It also gives an adviser a useful starting point if you decide to seek personal advice.
Apt Wealth Partners
What job do your investments have?
Preview: Link each holding to the retirement outcome it needs to support.
Owning super and investments doesn't automatically explain how retirement will work.
Each holding needs a clear job. You might rely on one for regular income while keeping another accessible, with other assets supporting longer-term growth, family needs or estate plans.
Reviewing one product at a time can miss those connections. A retirement plan starts with your objectives and current financial position, then assesses which assets and decisions are relevant to the life you want.
If you can't describe the job of an account or investment in one sentence, add it to the list of questions for your next review.
Apt Wealth Partners
The retirement questions waiting on your list
Preview: Write down what has been postponed and choose one place to begin.
The firm's retirement webinar describes a familiar pattern: retirement gets closer, the decisions feel overwhelming and planning is postponed.
Those questions stay open. Your expected income, super settings, investments and possible entitlements still need attention, although the right order will depend on your circumstances.
Choose one question and write down what you know. You could begin with the age you may stop working, the spending you expect, or the accounts you currently hold.
A small amount of preparation makes a personal advice conversation more useful because the adviser can begin with your situation.
Apt Wealth Partners
Review the advice scope before you commit
Preview: Services and associated fees should be clear in the proposal.
You begin with an initial, obligation-free conversation about your goals and current financial situation.
If the team may be able to assist, Apt prepares a proposal describing the recommended services and associated fees. You can see what work is proposed before deciding whether to formalise the engagement.
Read the scope carefully. Check which decisions it covers, what information you need to provide and how any ongoing service would operate. Ask how super, investments, retirement income and other relevant areas will be considered in your circumstances.
To discuss your retirement goals and current situation, book an initial phone, video or in-person conversation with Apt Wealth Partners.
Apt Wealth Partners
When your old retirement assumptions change
Preview: A change to super or work can create a new set of decisions.
Changes to work, super, family needs or health can affect the assumptions behind a retirement plan.
Matt approached Apt after a change to his defined benefit superannuation. In Apt's published client story, he said he and his partner were concerned about their future, and that the first conversation moved them from panic to comfort quickly.
His experience can't predict anyone else's result. It does show the value of explaining the changed situation, identifying the questions it created and working from your current circumstances.
If one of your retirement assumptions has changed, write down what happened and which decision now feels uncertain. That note will help an adviser understand where to begin.
Apt Wealth Partners
Every asset above plugs into one place in this flow. Once it's running, the only thing you see is qualified bookings on your calendar.
We handle every piece of the build, deployment, and the first 30 days of campaign management. You film, we run.
If yours isn't here, it's the first thing we'll cover on the call.
