If you’re approaching or in retirement and living in Melbourne, you may be sitting on a home worth over $2 million—but with limited cashflow to truly enjoy your lifestyle.
Sound familiar?
You’re not alone. We work with many retirees who are “asset rich but income light,” and are looking to unlock the potential in their home—without compromising comfort or independence.
Whether you’re considering downsizing, releasing equity, or simply planning ahead, there are smart strategies available – and we’re here to help.
Why Downsizing Isn’t Just About Moving
Many people think downsizing is purely about moving to a smaller home. But in reality, rightsizing is a better term.
It’s not just about less space—it’s about the right space, the right lifestyle, and the right financial outcomes.
At our independent financial planning practice, we help clients explore options such as:
- Downsizing to a lower-maintenance property
- Accessing government downsizer superannuation contributions
- Estate planning in tandem with property decisions
Common Concerns We Hear from Melbourne Retirees
- “I don’t want to lose the family home.”
We understand the emotional connection. We help you weigh both emotional and financial outcomes—without pressure. - “Will I lose my pension if I sell?”
Yes, Centrelink implications matter. Selling a home can reduce pension payments if not structured correctly. - “I’m worried about the costs of moving.”
From stamp duty exemptions to smart reinvestment strategies, we help you see the bigger picture.
What Makes Us Different?
We’re a Melbourne-based, independent financial planner—which means we’re not tied to any bank or investment provider.
Our role is to help you make clear, confident decisions about your finances, with no product pushing, commissions, or hidden agendas.
We’ll guide you through potential options:
- Downsizer contributions into super
- Centrelink income & assets test calculations post-sale
- Investment options post-sale to generate regular income
- Estate planning to ensure your wealth is transferred tax-effectively
Local Knowledge, Personalised Support
We work with clients across Melbourne’s suburbs, each with unique property considerations. We see it all, with offices located in Carnegie, Brunswick, Mornington and Geelong.
We’re familiar with local council restrictions, aged care availability, retirement village contracts, and what real local property values mean for your long-term plan.
Take the Pressure Off. Plan First, Then Decide.
There’s no one-size-fits-all solution when it comes to downsizing in retirement. But there is a better way to make these decisions—with expert financial modelling, clear tax guidance, and compassionate advice.
If you’re ready to explore your next chapter with clarity, don’t hesitate to book in a chat with one of our financial planning experts. General Advice Disclaimer
The information contained on this website has been provided as general advice only. The contents have been prepared without taking account of your objectives, financial situation or needs. You should, before you make any decision regarding any information, strategies or products mentioned on this website, consult your own financial advisor to consider whether that is appropriate having regard to your own objectives, financial situation and needs.