Welcome, you’re almost there
Watch the 2-minute video, download your guide instantly, and book a free call if you’d like help applying this to your situation.
What happens next
This short video explains how the guide is designed to be used and when a free clarity call can be helpful.
What happens next
This short video explains how the guide is designed to be used and when a free clarity call can be helpful.
Welcome, you’re almost there
Most people watch this first, then decide whether speaking with someone would be useful.
Book a free retirement clarity call
- Around 15 minutes only
If you’d like help applying the ideas in the guide to your own situation, you’re welcome to book a short, free call with Heath.
This is not a sales call. It’s a practical conversation focused on helping you understand how your retirement income may work in reality.
During the call, you can expect to discuss:
- How your super and other assets may translate into retirement income
- Which retirement income strategies are typically relevant at your stage of life
- Whether your current position broadly supports the lifestyle you want
Booking is optional. Most people simply read the guide first and book later if they want clarity.
Real outcomes for Australians approaching retirement
Here are a few examples of how clients have benefited from getting clarity and putting the right strategies in place.
Generated over $70,000 in Age Pension benefits
Steve & Judith
Retired couple
Steve and Judith, a retired couple, came to Finextra Wealth with their superannuation held entirely in cash. While conservative, their approach was limiting income and government entitlements.
We implemented a retirement and investment strategy aligned to their risk tolerance, improving income sustainability while maintaining peace of mind.
Strategy Type: Retirement and Superannuation Planning
Outcome:
✔ Superannuation invested appropriately
✔ Improved retirement income sustainability
✔ Qualified for Age Pension benefits
✔ Generated over $70,000 in Age Pension payments across four years
Saved $80,000 in Capital Gains Tax
George & Margaret
Property investors
George and Margaret were successful property investors referred to us by their accountant. Despite their wealth, they had never contributed to superannuation and were facing a large Capital Gains Tax liability after selling an investment property.
Finextra Wealth implemented a targeted contribution strategy to significantly reduce their tax exposure.
Strategy Type: Tax Planning and Superannuation Strategy
Outcome:
✔ Personal deductible super contributions implemented
✔ Reduced Capital Gains Tax exposure
✔ $80,000 saved in Capital Gains Tax
✔ Strategy coordinated with their accountant
Saved $1M+ in taxes through estate planning
Trevor & Ruth
Retired couple
Trevor and Ruth were retired clients with significant cash holdings. Their priorities were reducing tax, protecting their estate, and ensuring their wealth passed directly to their beneficiaries.
Finextra Wealth delivered a comprehensive estate and wealth structuring strategy to achieve certainty and long-term tax efficiency.
Strategy Type: Estate Planning and Wealth Structuring
Outcome:
✔ Advanced estate planning implemented
✔ More than $1 million saved in tax
✔ Majority of assets bypassed the estate
✔ Probate avoided and beneficiaries paid directly
Created a clear, debt-free retirement plan
Susan
Single professional, early 60s
Susan, a high-income professional in her early 60s, had no clear plan for retirement. She wanted confidence around reducing tax, eliminating debt, and generating reliable income.
Finextra Wealth developed a structured pre-retirement strategy to align her income, superannuation, and long-term goals.
Strategy Type: Pre-Retirement and Tax Planning
Outcome:
✔ Clear pathway to a debt-free retirement
✔ Reduced overall tax liability
✔ Continued growth of superannuation
✔ Structured plan for tax-free retirement income
About Finextra Wealth
Heath Hebenton
Founder
Finextra Wealth is a Sydney-based financial advisory firm specialising in retirement income planning for Australians approaching or transitioning into retirement.
Led by senior adviser Heath Hebenton, with over 30 years’ experience, the firm focuses on education-first advice, transparent strategies, and long-term outcomes.
The goal is simple: to help clients understand how their assets and super can support a sustainable retirement lifestyle with confidence.
Why Australians trust Finextra Wealth:
Wondering how this applies to you?
Download the guide. If you’d like help applying the guide to your own situation, you’re welcome to book a free retirement clarity call.
Phone: (02) 8705 5454
Address: Suite 11.12, Level 11, 66 Clarence St, Sydney NSW 2000
Email: [email protected]
This guide and the information provided are general in nature and do not constitute personal financial advice. Outcomes vary depending on individual circumstances. Please consider your own situation and seek professional advice before making financial decisions.