Comprehensive financial services for your retirement

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 move from the ‘saving phase’ (building your nest egg) to the ‘spending phase’ (using that money to live on). We help you navigate the transition so you can stop working with total confidence, knowing exactly where your regular income is coming from. Why use super for your retirement? Compound growth works when you can’t touch It How you can access super Maximise your age pension Why you still need personal advice What we do Why use super for your retirement? You pay significantly less tax: Super is one of the most tax-effective ways to save in Australia. While you are working, your contributions and investment earnings are generally taxed at just 15%. Which is likely much lower than your personal income tax rate. Superannuation is designed with one purpose: fund your life after work. Yes, your money is locked away

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 is about having the right plan and sticking to it. Investing for retirement is different than investing in your 30s. You no longer have decades of salary to fall back on, so your strategy needs to be smarter and more stable. We don’t believe in ‘set and forget’ or chasing last year’s winners. Our goal is to find your ‘sweet spot’, protecting you from market crashes while ensuring inflation doesn’t eat away at your future lifestyle. We don’t pick stocks. Here’s why. We match your investments to your timeline We spread risk broadly We keep a cash buffer for market crashes We find your “sleep at night” level What actually drives investment returns What this means for you We don’t pick stocks. Here’s why. Research consistently shows that stock picking doesn’t work reliably: 90%+ of professional fund managers fail to

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 of the safest ways to boost your retirement savings. An investment is “tax-effective” if you end up with more money in your pocket after the tax bill is paid. Strategic ways to boost your super and reduce taxation How we help you maximise your after-tax wealth How can business owners convert their wealth into retirement savings? Our role: strategy vs. accounting Strategic ways to boost your super and reduce taxation The government current allows you to contribute up to $30,000 annually into your super at a lower tax rate (the “concessional cap”). There are two main ways we help you reach this: Salary Sacrifice (The “Set and Forget” Method): You arrange for your employer to put a portion of your pre-tax pay directly into your super. You only pay 15% tax on that money instead of your normal income tax rate, which could be as

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 create “safety floors” for your income, ensuring that your essential lifestyle costs like rates, power, and food are covered no matter what happens in the world. Lifetime annuities: a “paycheck for life” Investment bonds: flexibility outside of super Funeral bonds: peace of mind for your family Lifetime annuities: a “paycheck for life” A Lifetime Annuity is a simple exchange, you provide a lump sum of capital, and in return, a provider gives you a guaranteed series of regular payments that last for the rest of your life, regardless of how long you live. Income You Can’t Outlive: The provider is legally obligated to pay you until death, even if your original investment has been fully paid back. This solves the “Longevity Risk”, the fear of outliving your savings. The Centrelink “Asset Discount”: Under current 2026 rules, annuities are a powerful way 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 the family estate. The system is complex, and for those entering care on or after 1 November 2025, the rules have fundamentally changed. At Sunlit Path, we act as your ‘Project Manager’ during this emotional time, providing the clear, technical modelling you need to make the best decision for your loved ones. Navigating the 2025/2026 reforms Accommodation strategies: RAD vs. DAP The family home: keep, sell, or rent? Grandfathering and the “28-day rule” Navigating the 2025/2026 reforms The government has introduced a “user-pays” system for those with significant income or assets. We help you understand the new fee structure: Basic Daily Fee: This remains at 85% of the single Age Pension and covers your everyday living costs like meals and laundry. Hotelling Supplement Contribution: A means-tested fee for everyday living services (like catering and cleaning), capped at a daily rate (e.g., $22.15 in

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 trusts are often “non-estate” assets, meaning they aren’t automatically covered by your Will. Without a coordinated plan, your hard-earned savings might not go to the people you intend, or worse, could be tied up in costly legal disputes. At Sunlit Path, we act as your “Project Manager” to ensure your wishes are not just written down, but are actually possible to carry out efficiently. How we help you organise your legacy Minimising the “death tax” Protecting vulnerable heirs Intergenerational wealth transfer Our role: strategy and coordination How we help you organise your legacy Binding Super Nominations: Because super often bypasses your Will, you must specifically tell your fund who gets your balance. We help you set up a “binding death benefit nomination” to ensure your money goes directly to your chosen beneficiaries rather than being left to the discretion of