Explore our bespoke financial services, including superannuation structuring, tax minimisation, investment management, and aged care advice.
No two financial journeys are alike, which is why we map out a route tailored specifically to your destination. As your guides, we clear away the confusing roadblocks and heavy paperwork of retirement planning, making the trail ahead smooth and easy to navigate.
Whether we are helping you secure a steady, lifelong income for your post-work years or illuminating the best way to pass down your legacy, we ensure your path forward remains secure, clear and bathed in sunshine.
Strategic superannuation advice & pension structuring Maximise your Superannuation before and during retirement. Expert advice on contribution limits, account-based pensions, and retirement strategies. Superannuation and pensions From saving your money to making it work for you. For decades, Superannuation has been something that happens in the background of your working life. But as you approach retirement, the focus shifts. You
Expert investment management on the Sunshine Coast Institutional-grade investment management tailored for retirees. We build portfolios designed to preserve capital and provide reliable cash flow so you can enjoy your retirement with certainty. investment management Growing your wealth without losing sleep. Most people think investing is about picking the right stocks or timing the market perfectly. It’s not. Successful investing
Advanced retirement tax strategies & wealth protection Protect your nest egg from government changes like the Division 296 tax and Capital Gains Tax. Advanced tax minimisation strategies for everyday achievers, high-net-worth retirees and business owners. Retirement tax strategies It’s not just what you earn, it’s what you keep. Tax rules can be complex, but getting them right is one
Defensive wealth building: annuities & investment bonds Create guaranteed income streams and tax-effective wealth transfer structures using modern annuities and investment bonds. Annuities and investment bonds Certainty in an uncertain world. If you worry about the stock market crashing or interest rates falling, you might prefer an investment that offers a guarantee. At Sunlit Path, we use these tools to
Specialist aged care advice When you or someone you love needs care, the complex rules and paperwork shouldn’t be the hardest part. Aged care advice Planning for the later years with clarity and compassion. Living longer is a gift, but it often comes with significant financial questions. One of the biggest challenges families face is funding aged care while protecting
Estate planning financial advice: protecting your family’s wealth Ensure your wealth passes to the next generation smoothly. Strategic financial estate planning to minimise tax for your beneficiaries. Family and estate planning, and intergenerational transfers Looking after the people you love. Many people assume a Will covers everything. It doesn’t. In Australia, significant assets like your superannuation, life insurance, and family
Transparency is our foundation. Following Moneysmart guidelines, we display on our website, our Financial Services Guide (FSG) that details our fees and licensing. You can (and should) always verify our credentials on the ASIC Financial Advisers Register. We operate under a strict best-interest duty to ensure our plans serve your life, not a product provider.
Absolutely. We are the antidote to the “Revolving Door” of big institutions. You cannot build a 30-year retirement on a 2-year relationship. Our founder, Simon, is committed to being your guide for the next 20 years, providing a stable, personal connection that large institutions simply cannot replicate.
Most advisers focus only on the numbers – your bank balance and super. As retirement planners, we look at the whole picture. We design a Master Plan that connects your financial assets to your personal goals. We don’t just manage your money; we help you build a life of freedom.
Advice isn’t about how much you start with; it’s about where you want to go. Whether you are a Builder looking to transition off the tools or a Professional seeking an exit strategy, our Master Plan is scalable. In fact, those with modest starting points often see the greatest “dividend” in terms of stress reduction and goal achievement.
We move you from ‘accumulation’ (saving) to ‘de-cumulation’ (living). We structure your assets to create a reliable, fortnightly income stream – much like the wage you’re probably used to – so you can spend your hard-earned money without the ‘spending guilt’ common in retirement.
We know that retirement is one of the biggest transitions you’ll ever make. We never ask for a signature in the first meeting. We provide your Master Plan, explain it in plain English (no jargon), and ask you to take it home. We want you to feel ‘sunlit’ – clear, warm, and confident – before we move forward.
As recommended by Moneysmart, it helps to have a rough idea of your current financial picture – your super balance, any debts, and most importantly, your vision. Don’t worry about the technical details; that’s our job. Your job is to tell us what a ‘successful life’ looks like to you.