Transition To Retirement

Crafting the retirement lifestyle, you’ve earned demands thoughtful preparation. Many people are unaware that upon reaching the required preservation age they can access a portion of their superannuation without having to leave their employment via a tailored Transition to Retirement strategy (TTR).


Navigating the path to retirement

A TTR strategy allows you to enjoy flexible working while simultaneously boosting your superannuation. The approach ensures your income remains steady, all the while capitalising on potential tax advantages.

TTR eligibility

Individuals who have reached their preservation age (which is currently between 55 and 60, depending on the birth year) and are still working can consider a TTR strategy. It’s essential to meet preservation age criteria and have an accumulation superannuation account.

TTR benefits

In addition to being able to reduce your working hours while maintaining a steady income, a TTR strategy can have significant tax advantages as it can allow you to be taxed at a lower marginal rate.


A strategy many adopt is to receive part of their income at a lower tax rate, while salary sacrificing part of their income to their superannuation fund. The salary sacrificed contribution is invested in pre-tax or gross dollars, while the only tax payable is contributions tax, currently 15 per cent paid by the super fund.

Let Financial Spectrum design your TTR strategy

A TTR strategy that works for one person might not work for another. Seeking professional advice is crucial to making informed decisions about your retirement strategy. At Financial Spectrum, we can help tailor your TTR strategy to your individual circumstances, ensuring it aligns with your retirement goals and complies with all regulations.

How we work with you

At Financial Spectrum we take the time to get to know you and assess your financial goals, risk tolerance, income needs, and retirement aspirations.

We’ll map out a strategy to maximise your super, consider more conservative investment strategies to reduce portfolio losses and use modelling to anticipate your capacity to live your best life through retirement. Importantly, our commitment doesn’t stop there. As your needs evolve over time, we continually monitor and refine your TTR strategy to ensure it remains optimised for your changing circumstances.


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The team at Financial Spectrum are A++. I wouldn't trust anyone else.
Mark, Sydney
We needed direction, including making decisions about investing in Australia or Ireland, where we’re from. Financial Spectrum has the experience to help us to decide on the right thing to do. And we were able to pay for the advice from our superannuation, which made a massive difference.
Brid, Sydney
We've been using Financial Spectrum for a few years after they were recommended by a friend in the finance industry. Brenton, Thomas, Alan and the rest of the team are very thorough, efficient, knowledgeable, ethical, genuine and lovely to deal with. All parts of our financial lives are sorted from...
Sarah and Chris, Sydney
I have been extremely happy with the service Financial Spectrum has provided. I would gladly recommend them to anyone wanting a truly talented group of financial planners on their side.
Sam, NSW
I had the pleasure of meeting Greg from Financial Spectrum, who impressed me with his professionalism and attentive listening skills. He provided invaluable insights into the intricate web of financial decision-making, which ultimately enabled me to purchase my first home. I'm thrilled about the prospects of my future, and I...
Elisabeth, Sydney
Brenton and the team at Financial Spectrum are genuine honest and friendly financial planners if you're in need of any advice on your finances.  Do not hesitate to contact Brenton. He takes the time to ask you questions first, rather than rushing you like most other planners do!  I took...
KD, Sydney


We were cruising and wanted help to take charge and make some big financial decisions. Financial Spectrum took care of the boring parts to get it down to the key decisions to make. And we knew their recommendations were impartial, which was really good.
Jessica, Sydney
Greg, is an absolute legend!!!  Thanks for your assistance and expertise, I talked to numerous SMSF refinance experts who all found my situation too hard and complex to deal with. Greg provided the best unbiased advice resulting in settlement this week. Will definitely stay in touch, highly recommend Greg's services.
John, Sydney
Brenton's guidance and an "always on" service approach has been absolutely fantastic for my family and I. His friendly, proactive and strategic advice is always clearly explained and backed up by his support team who have been impeccable in looking after our requirements. I would recommend talking to them for...
Luke, Sydney
After talking to four financial planning firms, we engaged Greg from Financial Spectrum to help develop our first financial/ wealth planning strategy. We've found his advice to be quite strategic, realistic and on-point such that it thoroughly considers our short-term and long-term goals. I especially appreciate Greg taking our adhoc...
Nakul, Sydney
We have been clients of Brendon for over a year now and how our lives have changed. Previously we could see no possible way we would be able to retire comfortably and be debt free, but Brendon gave us a road map to get to that point in four years....
Michael, Sydney
The team at Financial Spectrum are A++. I wouldn't trust anyone else.
Mark, Sydney

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Frequently asked questions

The amount you can withdraw through a TTR strategy is subject to a minimum and maximum limit. The minimum withdrawal amount is a percentage of your account balance, and the maximum is 10% of the account balance at the start of the financial year.

The funds withdrawn from a TTR strategy can be used for any legal purpose, just like your regular income. However, it’s recommended to use these funds to supplement your reduced work income or to make additional contributions to your superannuation to maximise your retirement savings.

Similar to all financial strategies, Transition to Retirement (TTR) strategies come with certain risks. Firstly, drawing funds earlier than usual might have implications for your overall retirement savings.  Alterations in tax or superannuation regulations could also affect how your strategy works.  Also, if your superannuation funds are invested, changes in the market can influence the balance of your account.

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