Industry-Focused Retirement Planning
Every career path has unique retirement challenges. We understand the specific pension arrangements, superannuation structures, and financial patterns that define your industry — because generic advice doesn't work for specialized careers.
Healthcare & Medical Professionals
After twenty years helping doctors, nurses, and allied health professionals plan their retirement, I've learned that medical careers create unique financial situations that most advisors simply don't understand.
Your income often peaks later than other professions. You might be carrying significant student debt well into your thirties. Many of you work irregular hours, locum positions, or run private practices with complex business structures. The traditional retirement planning models? They weren't designed for careers like yours.
We work with medical professionals who want retirement strategies that actually fit their reality — delayed career starts, high earning potential, professional indemnity considerations, and the physical demands that might mean earlier retirement than other careers. Because planning for a surgeon's retirement at 55 requires completely different strategies than planning for someone in a desk job until 67.
Mining, Construction & Trade Industries
FIFO Workers
Managing superannuation across multiple employers, irregular income patterns, and the unique tax implications of fly-in fly-out arrangements.
Trade Professionals
Building retirement wealth when your body is your business asset, planning for potential early retirement due to physical demands.
Construction Teams
Navigating project-based income, seasonal work variations, and maximizing superannuation during high-earning periods.
These industries often involve higher risks, physical demands, and income variability that standard retirement advice completely misses. We've spent years understanding how shift allowances, danger money, and project bonuses should be factored into long-term wealth building — because your retirement planning needs to be as robust as the work you do.
Education & Public Service
- Maximizing defined benefit pension schemes where they still exist
- Understanding the transition from older pension systems to contemporary superannuation
- Planning around long service leave entitlements and sabbatical opportunities
- Strategies for career teachers considering early retirement packages
- Coordinating Commonwealth Superannuation Scheme benefits with personal savings
Teachers, public servants, and education professionals often have access to some of the most complex — and potentially valuable — retirement benefits in Australia. The problem is that many financial advisors don't really understand how these systems work, especially for long-term employees who might have benefits under multiple schemes.
Discuss Your Industry Situation"Most financial advisors give the same generic advice to everyone. But a teacher's retirement planning is completely different from a mining engineer's, which is completely different from a doctor's. Understanding these nuances isn't just helpful — it's essential."
Michael Harrison
Senior Industry Specialist, mortrinalqever Financial Services