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* Services
* Blog
* Contact
* Home
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ADELAIDE BASED FINANCIAL PLANNER
Focusing on pre and post retirement financial strategies
We aim to assist everyday Australians to navigate the financial aspect of the
pre and post retirement landscape as stress free as possible.
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"We went to see Robert about our finances as we transition to retirement.
Robert is very patient with all our questions and concerns and takes the time
to address them all. He is personable, respectful, and non-judgemental in his
approach."
Bill, 46 - 55 years, Cherry Gardens, SA
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"My husband and I have had Robert as our Financial advisor for the last 2/3
years. From the time we met him at our first meeting we felt so comfortable
talking to him. He explained everything in a simple manner that we could
understand and has always kept us up to date as well as keeping in touch to
see how we’re going."
Valda, 56 - 65 years, Nuriootpa, SA
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"Robert is an extremely good communicator and provides easy to understand
advice verbally and always follows up with a written version so we have the
opportunity to fully consider the options available. Robert’s knowledge in
the areas he provides advice to us on is thorough, concise and easy to
understand."
Pauline, 65+ years, Ocean Grove, VIC
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Let's get started and say hello Retirement can be daunting, there are a lot
of lifestyle, health and financial decisions to filter through. Here at
Robert’s Retirement Advisory, we aim to guide you on the financial part and
make the complex simple. Click here to get in touch with me. Feel free to
tell me a bit about yourself, where you are now and where you want to be. We
will either pencil in a time for a catch-up or I will be able to point you in
a direction to get an answer to your query.
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Catch-up This is where we can meet up, either in person or via video call. We
start by getting to know you and your goals. Based on this, I will then give
you a fixed cost for a proposal for your financial plan. The catch-up meeting
is on us, if you decide you want to proceed with the proposal – that is when
the next costs will start. The total cost will vary on complexity and what is
needed, the cost will be fixed and in some cases can be paid from your
investments or via an invoice (please see FAQ section for more information
about costs).
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Creating and presenting your personalised retirement project plan This is
where I then take all the information you have given me, go away and do some
further research. This will include talking to your existing super fund
providers and getting the sometimes hard to find but important details. I
will then analyse your current position, where you want to be and compile a
Statement of Advice which is a formal document that will demonstrate my
advice to you. The Statement of Advice will incorporate everything from a
detailed strategy, product/investment recommendations and projections of how
we think your financial situation will look (i.e. if you are on track to meet
your retirement goals).
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Implementing your plan I have by now recommended a strategy with moving parts
to it. Rest assured as I can now assist in putting everything in place. This
will involve me liaising with super funds, Centrelink or it could even be me
speaking to your Lawyer or Accountant to make sure your plan and pathway
moves as smoothly as possible.
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Reviewing your plan The plan is in now in motion but life happens and things
change. If you decide to be part of our review service, we will make sure
that you are guided through retirement whenever there may be a difficult
financial decision or reviewing the original plan that has been put in place.
Meet
ROBERT DANIELE
Founder and Operator
Unlike my clients, I have many years left before retirement. Those years and
days are usually filled with running my business, assisting my clients and
spending time with my family. Recently myself and my wife have changed our
titles from husband and wife to mother and father with our recent addition to
the family our baby called Rocco. This has made our lives even busier with
nurturing him and also trying to keep up with our Siberian Husky. Spare time
when I do get it is usually spent trying to keep active whether that be going
for a run or gym and then making homemade pasta for us to enjoy.
Robert’s Retirement Advisory was established to provide sound financial advice
to everyday Australians who are looking for help and guidance navigating the
financial aspect of planning for retirement or those who are already retired.
There are already a lot of other challenges people face whether that may be
lifestyle or health challenges when retirement is discussed.
We aim to be a trusted source to help assist and provide clarity around the
financial challenges in retirement. Some challenges pre and post retirees face
along the way is not knowing how long their funds will last, whether their
investments are positioned correctly, what will happen with their estate plan,
how to begin to deal with Centrelink or their superannuation fund - this is
where we step in to provide advice and implement the advice to give clients the
best possible outcome and more importantly peace of mind so they can live their
retirement with one less stress.
After working for over 7 years in the financial planning industry, I have gained
valuable knowledge and could see there is still so much room for financial
advice to develop and grow to ultimately provide a better outcome for clients.
So seeing this need I have developed Robert’s Retirement Advisory in 2024 as a
“go to” spot for those who are wanting financial advice they can trust.
Robert Daniele
Owner and Lead Financial Planner
SEE WHAT MY CLIENTS SAY
The most rewarding part of the job, beautiful and authentic testimonials.
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"We went to see Robert about our finances as we transition to retirement.
Robert is very patient with all our questions and concerns and takes the time
to address them all. He is personable, respectful, and non-judgemental in his
approach."
Bill, 46 - 55 years, Cherry Gardens, SA
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"My husband and I have had Robert as our Financial advisor for the last 2/3
years. From the time we met him at our first meeting we felt so comfortable
talking to him. He explained everything."
Valda, 56 - 65 years, Nuriootpa, SA
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"Robert is an extremely good communicator and provides easy to understand
advice verbally and always follows up with a written version so we have the
opportunity to fully consider the options available."
Pauline, 65+ years, Ocean Grove, VIC
Read All Testimonials
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"We went to see Robert about our finances as we transition to retirement.
Robert is very patient with all our questions and concerns and takes the time
to address them all. He is personable, respectful, and non-judgemental in his
approach. We feel that he is being very transparent with management of our
funds and are confident that we will be kept well informed with any
developments. We are also confident that the advice that he has given is
solid and well thought out, and we feel comfortable following his
recommendations."
Julie, 46 - 55 years, Cherry Gardens, SA
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"Robert was always very punctual and very clear in his speaking to me. We
loved how courteous and encouraging with his knowledge about financial
services."
Bevan, 56 - 65 years, Brahma Lodge, SA
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"I followed Robert from his previous position at Peoples Choice. I find
Robert to be knowledgeable and has been a great asset in my transition to
retirement."
Julie, 56 - 65 years, Modbury North, SA
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"I found Robert to be an extremely helpful and personable young man. His
compassion and empathy to my current personal life, was outstanding. I have
previously never experienced in the financial industry such a real listener.
It was so refreshing to meet someone that saw the person not just the
signature on the dotted line."
Leanne, 56 - 65 years, Moonta Bay, SA
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"Set up TTR with me and guided me ever step of the way. Changed employers and
I followed him over. A pleasure to deal with and goes out of his way to help.
Very satisfied with advice and service. Would and have recommended him to
family and friends."
David, 56 - 65 years, Modbury Heights, SA
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"We have been using Robert’s expertise as a financial adviser for over two
years. Robert has taken the time to get to know us and understand our
financial goals and has the ability to make financial information easy to
understand. We have come to rely on his financial planning and analysis, and
feel comfortable with our finances in his care. I have no hesitation in
recommending his services."
Gregory, 65+ years, Modbury, SA
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"We have found Robert to be very helpful and his follow up is amazing. He has
made us feel very confident and comfortable with his advice. Would highly
recommend him."
Kerry, 56 - 65 years, Salisbury Park, SA
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"We went to see Robert as our super and insurance needed work, and Robert
tailored both to suit our needs."
Simon, 46 - 55 years, Netley, SA
MY SERVICES
Services specific to retirees to help take the stress out of retirement.
* PRE RETIREMENT PLANNING AND POST RETIREMENT PLANNING
I provide advice to clients both before and during their retirement. I aim to
maximise tax savings where possible, ensure investments are in line with your
needs and consider how we may be able to improve other outcomes for areas
such as Centrelink and your Estate Plan.
* KEEPING CENTRELINK IN THE “KNOW” WITH YOUR SITUATION
This is never usually a fun task – however I can step in here and look after
this. I provide advice on Centrelink strategies and also assistance with
applying and keeping Centrelink in the loop on an ongoing basis.
* BEING A SOUNDING BOARD, ALWAYS A PHONE CALL AWAY
When there is change, it can be hard to know where to go for advice – pick up
the phone, give me a call and let me know what’s on your mind. I try to be as
accessible as I can be and ready to listen and help if required.
* HELP DEFINE YOUR INCOME NEEDS WITH EXPERT ADVICE
This is what you need to live on, whether it be right now, in retirement or
both. I will consider other income/expenses that may be planned or unplanned
whether that be buying a car, downsizing or even upgrading your home.
* BUILDING A STRATEGY THAT CONSIDERS TAX OUTCOMES
I will consider all avenues, whether that be tax personally, tax paid inside
your superannuation or tax that the next generation might pay i.e. your
Estate.
* PUT THE WHEELS IN MOTION, CONSOLIDATING A PLAN
You may have superannuation accounts, pension accounts or life insurance
policies all over the place. This is my expertise knowing how to build a plan
and getting all your product providers in sync to what you need.
MY BLOG
I write financial articles relevant and useful for retirees.
* SOUTH AUSTRALIAN GOVERNMENT EMPLOYED NURSE VS PRIVATE SECTOR VS NON-FOR
PROFIT SECTOR
By Robert Daniele
Mar 3, 2024
There are many different employment arrangements nurses may have with many
different companies in different sectors. This blog post is just to highlight
a few advantages that you may get with different “salary packing/sacrifice”
options. When comparing salaries offered through different sectors, it is
also important to compare the various benefits …
Read the article now...
* MOVING FROM DISABILITY PENSION TO THE AGE PENSION
By Robert Daniele
Mar 2, 2024
There are a number of factors to consider if you are currently on the
disability support pension and are coming to the point of turning age pension
age (67) and have to decide whether you would like to retain your disability
pension or move to the age pension. I have tried to summarise a few points
below – this list is not exhaustive and please …
Read the article now...
* SUPERANNUATION GUARANTEE (SG) CONTRIBUTIONS
By Robert Daniele
Mar 1, 2024
Superannuation guarantee (SG) contributions is the terminology applied to the
amounts of super your employer contributes. At the time of this writing we
are almost half way through the legislated increases with the SG amount now
being 11% of your wage. There are a few more increases on the way in future
years as per the below table. The Association …
Read the article now...
View All Posts
FAQ
* Where are you located?
* We have hybrid offices in Adelaide and Salisbury Heights.
* In some instances I can travel to you.
* Virtually via video call.
* What are your fees?
There are no fees to the initial consultation.
From there I will be able to provide you a fixed cost of what it would be for
your personalised “project”
Please refer to our financial services guide for more information.
Worked Example Costs
I like to make fees easy and simple to understand so please contact us if you
have any questions.
Our fees for initial advice start at $3,300 and are generally no higher than
$8,800.
Note – these fees will be confirmed and fixed in the meeting – the amount
will depend on complexity.
Our fee for our review service starts at a flat fee of $2,500 plus $300 for
every $100,000 of funds we manage (rounded down to the nearest $100,000).
Worked Example Situation
Jane is 67 years old, single, has $330,000 in superannuation and recently
retired.
She wants advice around setting up an income stream from superannuation,
helping with the age pension application process through Centrelink, making
sure her investments in her fund are working for her, financial modelling to
see how long her funds will last.
Jane would pay in this instance $4,400 for a Statement of Advice – this will
include the written advice and implementing the above strategies (i.e.
setting up an income stream and helping with the age pension application
process).
If Jane wanted to ensure her finances, Centrelink and strategies were looked
after on an ongoing basis and be a part of our review service she would pay
$3,400 p.a. (i.e. fixed fee of $2,500 plus $300 for every $100,000 we look
after rounded down to the nearest $100,000).
* What experience do you have?
Over 7 years working in the financial planning industry.
* What super funds do you work with?
I have worked with lots of different funds over the years, every product is
different and every individual is different, I will endeavour to find the
best one that meets your needs. Whether that be the fund you are currently
with, or an alternative industry fund or private fund. My financial licence
isn’t held by a product provider so I am not tied to or get get paid any
commissions from any superannuation or pension product, meaning I have
flexibility to make the best choice for your individual needs.
* What type of service do I get?
Everyone of my clients receive the same quality service that is guaranteed,
this is irrespective of if you have $200,000 in your super fund or $2,000,000
in your super fund.
* What's included in your review services?
* Annual reviews of your situation: this will cover your original plan we
put in place and seeing what has changed or what will need to change.
Planning to downsize your home or something else comes up in retirement?
Extra meetings and advice for these un-knowns are at no extra charge
unlike some advisers.
* Unlimited access: part of being on my review service will ensure your can
contact me throughout the year with questions through emails or phone
call.
* Advisory service: Have an idea about a new car? Concerned about a new
piece of legislation the government is proposing? We’re here to help
answer these questions.
* This is a small family business and we work with a smaller number of
clients intentionally. This helps us get to know you better and you to get
to know us better, resulting in a much less worry free retirement.
* Who does your work?
Me – Robert. All the advice is researched and developed here in Australia –
there is no outsourcing of work overseas. Quality and security when dealing
with clients retirement savings are of the upmost importance.
CONTACT ME
Feel free to reach out to me with any questions, enquires or feedback.
* 0400 824 698
* robert@robertsra.com.au
* Level 2, 70 Hindmarsh Square, Adelaide SA 5000
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