RETIREMENT PLANNING
Your salary is stopping.
We help you replace it.
A structured fortnightly income, drawn from your super, sized to your life. So the day after your last pay cheque, the rhythm of money landing in your account doesn't change.
100+
Local clients in the Hunter
20+ years
Of financial experience
Client First
No banks. No conflicts.
If this sounds familiar
One wrong move and
it could all be gone.
You should be excited about retiring. After 30-something years of getting up early, that finish line should feel like a gift. But instead of looking forward to it, you're lying awake at 2am going over the numbers.
What if it's not enough? What if we get the timing wrong? What if a market crash three years in wipes out the buffer? What about Centrelink, what about tax, what about the bit on the super statement that nobody's ever explained?
You're not alone in any of this. The reason most people put off the retirement decision isn't laziness. It's fear of getting it wrong. You've spent a working lifetime building what you've got. The thought of one bad call undoing it is genuinely terrifying.
That fear is exactly what retirement planning at Nest is designed to remove. Not by promising the impossible, but by walking you through every variable, in plain English, until the unknowns become knowns and the plan starts to feel solid under your feet.
What we cover
The three things that turn a super balance
into a retirement.
Most people think retirement planning is about a number on a statement. It's actually about three different things working together.
A pay cheque that keeps coming. Just from a different source.
We restructure your super so it pays you a regular fortnightly income, sized to the lifestyle you actually want. Not a number on paper, but a real answer to the question: can we book the caravan trip, help the grandkids with the deposit, get the kitchen redone? We model what your income looks like across the next 25 years, factor in inflation and life events, and make sure the cheque keeps landing for as long as you need it to.
In plain terms: you wake up on retirement day and the money still arrives in your account on the same day it always did. Same rhythm. Different source. As Bob put it on his video, "I'm still getting a paycheck because Dom set us up with that fortnightly wage.
A few thousand dollars a year you might be leaving on the table.
Most people assume they earn too much, or have too much in super, to get anything from Centrelink. A lot of the time, that assumption costs them thousands a year. Even a part age pension can mean an extra few hundred dollars a fortnight, plus the concession card, plus the savings on rates and utilities that come with it.
The rules are complex and they change every year. We work out exactly what you're entitled to, structure things so you qualify for as much as possible, and lodge the application for you.
In plain terms: more money in your account, every fortnight, for as long as the rules allow. Without you needing to learn how Centrelink works.
If you've worked in education, health, or the public sector, this one matters.
A lot of teachers, nurses and public sector workers have legacy defined benefit super arrangements: SASS and SSS, Aware Super's older accounts, and others. These schemes are unusual. The decisions you make at retirement, lump sum vs pension, commutation options, timing, can be worth tens of thousands of dollars and they're often irreversible.
Dom has worked with these schemes for two decades. He knows where the traps are, where the value sits, and how to optimise the choice in front of you.
In plain terms: a specialist eye on the most consequential decision you'll make about your super. Made once. Done right.
YOUR FUND ISN'T GOING ANYWHERE
We work alongside Centrelink, your super fund, and the people you already trust.
Retirement planning touches a lot of moving parts: your super fund, Centrelink, the ATO, possibly an accountant, possibly a solicitor for your estate. Dom's focus is the retirement-specific parts: your super, Centrelink and your income.
If your accountant handles your tax return, they keep handling it. If your super is with an industry fund, a retail fund or a defined benefit scheme, that doesn't have to change. If you've already started a Centrelink claim, we pick it up from there. Nothing gets thrown out for the sake of it.
The people who have looked after you well stay looking after you. Dom just looks after the retirement side.
A WORD ON SPECIALISATION
Retirement is the only thing we do.
A lot of financial advisers will plan a retirement if you ask them to. It's one of a dozen things on their list, sandwiched between insurance reviews and wealth management for thirty-somethings. They're decent at it. They're not specialists in it.
Dom is. Every single client at Nest is either approaching retirement or already retired. The conversations he has, day in and day out, are about defined benefit options, super pension structures, Centrelink thresholds, lifestyle modelling, sequence-of-returns risk in early retirement, and how to make sure the fortnightly cheque keeps landing for the next 25 years.
That singular focus is what changes the quality of the advice. When you've structured a retirement income for a hundred different couples in the Hunter region, you start to see the patterns: where people typically get caught out, what they tend to underestimate, where the easy wins live. You bring that pattern recognition to every new plan.
It's also what gets the fear out of the room. The hundred clients who came before you had the same questions, and walked away with the same kind of answers. You're not the test case.
What clients say
People who thought they couldn't retire yet. Or thought they'd run out.
"I'm still getting a paycheck because Dom set us up with that fortnightly wage. Anyone who's invested in their super, it'd be a good choice to see someone like Dom."
"By meeting Dom, we found out there were other ways. We definitely could retire much earlier than we thought. Never looked back."
READY WHEN YOU ARE
Let's plan
your retirement together.
Tell us a bit about where you're at, and Dom will give you a call back. The first conversation is free and obligation-free. Always.
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Send your details and Dom will give you a ring back
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Dom calls back promptly to arrange a meeting
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Have a chat. Obligation-free.
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No hard sell. No pressure. Most clients say they wish they’d called sooner.