Prepared for Matthew Pelizzari
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Every piece is finished, written in your voice, and yours to keep regardless of whether we work together.
You know your super paperwork is up to date. Do you know how you'll use that money when you retire?
If you've got a self-managed super fund, it's easy to spend your time getting the annual work finished. Statements go to the accountant, questions get answered, and you get on with everything else.
But you might still be wondering how much you could draw from the fund, or whether its investments suit the retirement you're planning.
Those questions need attention too.
Oreon Partners helps with the administration of self-managed super funds and the financial advice around them, including retirement income and investment planning.
If your annual paperwork is sorted but your retirement plans aren't, click the link to ask about our advice services.
Partner A: I don't think I want to keep working until the date we agreed on.
Partner B: How much earlier are you thinking?
Partner A: Maybe next year. I'm tired of spending the whole weekend recovering from work.
Partner B: I'd like you home more. I'm just not sure we can cover everything without your pay.
Partner A: We've got the super fund.
Partner B: I know. But we were going to keep adding to it for longer. Would there be enough to start taking money out sooner?
Partner A: That's what I need help working out before I say anything at work.
Narrator: An earlier retirement changes both how long you're saving and when you need an income. Oreon Partners provides retirement-income advice for people with self-managed super funds. To discuss a change to your retirement date, click the link.
When your salary stops, where will the money for your regular bills come from?
You might have savings in the bank and investments in your super fund. Perhaps you also receive rent from a property. Each source can work differently, and some of that money may be harder to access when you need it.
So a retirement-income plan needs to consider when your spending falls due, as well as how much you've saved.
If you have a self-managed super fund, Oreon Partners can advise on pension and withdrawal arrangements alongside your investments. We look at the choices relevant to your circumstances, including the rules that apply to accessing your super.
Click the link to get in touch about planning your retirement income.
If you're already paying someone to look after your super fund, what would financial advice add?
That depends on what they're doing for you now. Your accountant might handle the annual accounts and reporting, while you make the investment decisions yourself.
Perhaps that's worked well, but you're approaching retirement and want help deciding how to draw an income. Or you want someone to review the investments with you.
Oreon Partners offers both self-managed super fund administration and financial-planning services. You can ask which work would address your question, what you're already receiving and what any additional work would cost.
Click the link and tell us what help you're looking for, and we can explain the services that may apply.
You planned to retire this year, but you've decided to keep working. Has anyone reviewed what that means for your super?
Perhaps you're enjoying the job again, or you'd like more time to save. Either way, the plan you made for stopping work may need another look.
If you have a self-managed super fund, you might have been preparing to draw an income while changing how much you contribute. Continuing to work could affect those decisions, depending on your circumstances.
Oreon Partners can review your fund's investment and income arrangements alongside your revised retirement plans. We also provide ongoing monitoring, so you have support when something changes again.
For help reviewing a self-managed super fund after your plans change, click the link.
If you already have a self-managed super fund, or you're considering one, look beyond the mechanics of running the fund. Check whether the decisions inside it are helping you prepare for the retirement you want.
Oreon Partners helps SMSF trustees bring fund administration, investment advice, pension planning and estate strategy into one clear plan. The first step is an initial planning call about your situation, your fund and the retirement decisions ahead of you.
You can use the form below to request that call. Before you do, it helps to understand what the work can cover and why it's relevant to your fund.
An SMSF creates control, but it also creates responsibility. Annual returns and documents keep the fund operating. They don't automatically answer how much income you'll need after work, when a pension should begin, how investments support that income, or what should happen to your super if you die.
Those decisions affect one another. A contribution strategy can influence the balance available later. Investment choices can affect the reliability of retirement income. Pension withdrawals need to be considered against spending needs and other assets. Estate planning needs to reflect the trust deed and the way super benefits are handled.
Oreon can help with the administration and compliance work required to keep an SMSF in order. The team also provides financial planning for pension and income-stream strategies, investment advice and monitoring, and estate-planning decisions. That gives you a place to discuss the fund as part of your retirement, instead of treating it as one more annual file.
The advice starts with your circumstances. That means understanding what you own, how the fund is structured, the income you expect to need and the decisions you're weighing. It also means identifying which parts of Oreon's service are relevant and which aren't.
You won't be asked to accept a generic plan built around somebody else's retirement. Personal financial advice requires your objectives, current position and needs to be considered before recommendations are made. Any proposed work and fee should be explained before you decide whether to proceed.
Oreon Financial Planning holds Australian Financial Services Licence 470507. The firm's published SMSF service covers establishment, administration, annual compliance, contribution strategies, borrowing guidance and audit support. Its financial-planning work includes pension and income-stream advice, estate planning, investment advice and ongoing monitoring.
That scope is useful if your accountant currently handles the annual SMSF work but nobody has reviewed how the fund supports retirement income. It's also useful if you're approaching retirement and the timing of contributions, pension withdrawals and investment changes needs a fresh look.
A useful review starts with the life the fund needs to support. That includes your preferred retirement timing, likely spending, other income sources and the role each SMSF asset is expected to play. From there, the adviser can identify the questions that need personal advice and the records needed to prepare it. This gives the call a practical focus without asking you to make investment or pension decisions before your full position has been assessed.
Several professionals may already be involved. You don't need to change everything for the sake of it. Start by identifying the decisions that belong together, clarifying who's responsible for each one and making sure the advice reflects your situation.
Published Oreon client stories describe long-term support across accounting, financial planning and superannuation. Clients talk about clear direction, approachable advisers and greater confidence in their next steps. Those stories don't promise your result. They show the kind of practical, ongoing relationship Oreon aims to build.
The initial planning call is for people who have an SMSF or are seriously considering one, and who want professional help with the strategy around it. It may be relevant if retirement is getting closer, if income needs are changing, or if your existing fund has only been reviewed from a compliance perspective.
The call is also a chance to ask direct questions about Oreon's role, required information, advice and implementation scope, and cost before you agree to proceed.
You don't need to arrive with every document organised or every decision made. Come with a clear sense of what you're trying to work out. Oreon can then tell you what information is needed to assess the situation properly.
If you want your SMSF, investments, pension strategy and estate decisions working toward the same retirement plan, use the form below to request an initial planning call with Oreon Partners.
Your call is booked. Before we speak, have a quick think about what you want your SMSF to do for your retirement. The annual lodgements are only one part of that picture. Bring any recent fund reports you have, along with a rough idea of your expected retirement timing and income needs. We can use the call to understand your position, the decisions you're weighing and the information needed before any personal advice is prepared.
After the call, we'll confirm whether we can do useful work for you and which information we would need. If advice is appropriate, you'll receive a proposed scope and fee before the work begins. Personal recommendations are based on your objectives, financial situation and needs. You can review the proposed work, ask questions and decide whether you want to proceed.
Bring your latest SMSF financial statements or annual return if they're easy to find. It also helps to have recent super and investment statements, an estimate of the income you may need in retirement, and notes about any property, pension or estate decisions you're considering. If something is missing, that's fine. The call can identify the information required for the next step.
The firm provides SMSF establishment, administration and compliance support, including annual documentation and reporting. Oreon Financial Planning can also advise on pension and income-stream strategies, investments, monitoring and estate-planning decisions. The work recommended for you depends on your circumstances, so the call starts with the situation rather than a pre-set package.
Fees depend on the complexity and scope of the advice. Before any work begins, Oreon will explain the proposed work and the estimated cost. Ask what's included, what implementation may involve and whether any ongoing service is being proposed. You should understand the work and fees before you decide to go ahead.
Your SMSF planning call is booked
Your call with Oreon Partners is booked.
Before we speak, write down the main SMSF or retirement decision you want to work through. It might be pension income, investments, contributions, estate planning or whether the fund still fits your plans.
If you have recent fund reports nearby, keep them handy. You don't need to organise every document before the call.
We'll use the call to understand your situation and explain what information or advice may be useful next.
Oreon Partners
Questions annual SMSF work doesn't answer
Annual administration keeps an SMSF operating and compliant. It doesn't automatically answer how the fund should support retirement income.
Before your call, consider whether somebody has recently reviewed your pension timing, investment mix, expected spending and estate arrangements together.
That gives us a practical place to begin.
Oreon Partners
Bring the retirement question to your call
You don't need a perfect folder of paperwork for the call.
Bring the question that's been sitting in the background. When could I retire? How would pension income work? Does the investment plan still suit what I need? What happens to the fund if one member dies?
The call helps identify which facts and documents are needed before advice can be prepared.
Oreon Partners
How your advice would be scoped
Personal advice starts with your objectives, current financial position and needs.
If Oreon can do useful work for you after the call, you'll be told what the proposed work covers and its expected cost before it begins.
Use the call to ask what's included, which information is required and whether ongoing service would be relevant.
Oreon Partners
What to have nearby for the call
If they're easy to find, have your latest SMSF financial statements or annual return nearby.
Recent super and investment statements can also help. Add a note about your expected retirement timing, the income you may need and any property or estate decisions you're considering.
Missing documents can be identified after the call.
Oreon Partners
One thing to decide before we speak
Before the call, finish this sentence:
I want my SMSF to help me understand...
Your answer gives us a useful starting point. We look forward to discussing the situation, identifying the decisions that belong together and explaining what the next step could involve.
Oreon Partners
Your SMSF has two different jobs
An SMSF has to meet its administration and compliance obligations.
It also has to support the reason you set it up: your retirement.
Those jobs overlap, but they aren't the same. Annual documents can be complete while questions about pension income, investments or estate planning remain open.
If your fund has only been discussed at tax time, it may be worth booking a call to review the strategy around it.
Oreon Partners
Where will your retirement income come from?
For most people, retirement income won't come from one account.
It may involve an SMSF pension, other investments, cash and decisions about when to draw from each source.
Look beyond the amount in the fund and check how the assets are expected to support spending after work.
That question should be considered against your circumstances before investments or pension settings change.
Oreon Partners
Does your estate plan include your SMSF?
Superannuation doesn't always follow a will in the way people expect.
For SMSF members, the trust deed, nominations and fund structure can affect how benefits are handled after death.
Reviewing those arrangements before they become urgent gives you time to identify gaps and obtain the right legal or financial advice.
Oreon Partners
The fund changed, did the plan?
Income, businesses, retirement dates and family circumstances can all change.
An SMSF strategy that suited you several years ago may need another look because the facts around it are different.
That doesn't mean every setting needs to change. It means the strategy should be reviewed against the life it now needs to support.
Oreon Partners
Ask these questions before advice begins
Before personal advice begins, ask what work is proposed, what information is required and what the fee covers.
If implementation or ongoing review is included, ask how those services are charged and what you can expect to receive.
Clear scope helps you decide whether the advice is useful before you commit.
Oreon 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.
