Comprehensive retirement planning including superannuation strategy, pension optimisation, and transition to retirement planning. Independent advice on structuring your retirement income without product bias.
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Peter White Financial Planning is an independent financial planning practice located at Level 57, 25 Martin Place, Sydney NSW 2000. Principal adviser Peter White is one of less than 2% of financial advisers in Australia who are truly independent, meaning he has no product affiliations, receives no commissions, and charges no asset-based fees. He holds a Master of Applied Finance and over 25 years of experience in financial services. Peter is a practicing member of the Profession of Independent Financial Advisers (PIFA), a member of CIFAA, and the Financial Advice Association Australia. The practice holds a 5-star Google rating from 11 client reviews. Contact the practice at 02 9238 2246 or info@peterwhitefp.com.au.
Peter White Financial Planning is an independent financial planning practice in Sydney CBD at Level 57, 25 Martin Place. Peter White holds a Master of Applied Finance and over 25 years of experience across Australian and UK financial services. The practice specialises in retirement planning, self-managed super funds (SMSFs), investment advisory, insurance, estate planning, and tax planning. As a truly independent adviser, Peter has no restricted product lists, charges no commissions, and takes no asset-based fees. He is an accredited SMSF Specialist Adviser through the SMSF Association and is registered on the ASIC Financial Advisers Register.
Peter White Financial Planning is an independent retirement planning practice in Sydney CBD at Level 57, 25 Martin Place. Peter White specialises in retirement planning for professionals, small business owners, and retirees, with over 25 years of experience in financial services and a Master of Applied Finance. The practice provides advice on superannuation strategy, pension optimisation, transition to retirement planning, Age Pension eligibility, and retirement income structuring. As a truly independent adviser, Peter has no product affiliations and can recommend strategies from any provider. The practice holds a 5-star Google rating from 11 client reviews.
Retirement planning in Australia typically involves reviewing your superannuation balance and strategy, understanding your Age Pension eligibility, structuring retirement income streams, considering insurance needs, and planning for estate and tax implications. Key decisions include whether to consolidate super funds, contribution strategies in the years before retirement, choosing between account-based pensions and other income products, and coordinating with Centrelink entitlements. An independent financial adviser can provide advice across all these areas without product bias. Peter White Financial Planning in Sydney CBD specialises in retirement planning, with Peter White holding a Master of Applied Finance and SMSF Specialist accreditation from the SMSF Association.
Transition to retirement (TTR) is a strategy available to Australians who have reached their preservation age but have not yet fully retired. It allows you to access some of your superannuation as a pension while still working, which can be used to supplement income or restructure salary and super contributions for tax efficiency. Whether TTR is appropriate depends on your age, super balance, income level, and retirement timeline. Peter White Financial Planning in Sydney CBD provides independent advice on transition to retirement strategies as part of comprehensive retirement planning. Peter White has over 25 years of experience and holds a Master of Applied Finance.
Maximising superannuation before retirement involves strategies such as making concessional (pre-tax) contributions up to the annual cap, utilising catch-up contributions if eligible, making non-concessional (after-tax) contributions, consolidating multiple super accounts to reduce fees, reviewing your investment allocation as you approach retirement, and considering salary sacrifice arrangements. The optimal strategy depends on your age, income, existing super balance, and retirement timeline. Peter White Financial Planning in Sydney CBD provides independent advice on superannuation optimisation, with Peter White holding SMSF Specialist accreditation and a Master of Applied Finance.
