Plan your own Retirement, Safely

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We use expert financial modelling to answer the three big questions on the minds of people thinking about their retirement.

1-How much money do I need to retire?

2-When can I retire?

3-Once I retire, how much can I safely spend each year?

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We built Jubilacion because we believe retirement decisions should be easier.

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Retirement planning is no easy task. You understand that because you’ve been working the numbers and may have multiple spreadsheets of your own. Your numbers are helpful, but could they be better?

You understand there’s no magic answer or formula for projecting cashflows in retirement. Because how much you spend each year is not only connected to your individual lifestyle choices. It’s connected to risk.

We understand risk. It’s our area of expertise. We’re actuaries. We can show you how risk and uncertainty affects your retirement cashflow and provide you with tools to configure your retirement to fit your unique situation and preferences.

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Finding your answer…

At Jubilacion, we understand that no two retirees are the same. Different people will ask different questions of us and that’s ok!

Our Financial Freedom service is tailored specifically to each individual situation. We can answer a wide range of questions, including but not limited to;

Ḥow much do I need to retire?

How much can I afford to spend when I retire?

What if I retire earlier/later?

What if I spend more/less in retirement

Am I on track to reach my goals?

How much should I be saving right now?

How much money do you need to retire?

Being free of work and having the confidence to live the lifestyle you choose is a financially complex and frustrating exercise. The problem means that many people – over 20,000 Australians turn 65 each month – head into retirement with more questions than clarity

We can help you answer the big questions with accuracy and confidence.

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There’s a better way to prepare
for retirement. The Jubilacion way.

Personalised Retirement Modeling

Our experts can meet with you ‘live online’ and get to know your unique financial position and the decisions you’re facing. We help you understand your results and you can ask questions. Explore scenarios and make informed decisions that take risk into account.

No Pressure
Sales

Our consultation is focused on providing valuable retirement insights based on rigorous financial modelling, not pushing products. You’ll get an honest assessment of your financial situation and can set actionable steps to help you achieve your goals.

Sleep Peacefully at Night

You will know exactly how much money you can safely spend each year in retirement, so you can rest easy knowing your financial position and focus on making the most of your retirement.

Save Time and
Effort

Retirement planning can be overwhelming and time-consuming. We’ll guide you through the modelling so you can take control of your financial future and enjoy a secure retirement

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Top 6 reasons people call us.

1. Can you calculate how much I need to save to retire?

I want to retire soon. But there are so many questions: How much money do we need? Should we save more? What if I want to retire early? I need practical, actionable help to secure my retirement.

2. Do I have enough to retire this year?

I’ve worked hard for decades now and, to be honest, I think I’ve had enough. I’d love to let my employer know I’m leaving, but I’m anxious about whether I have enough super saved and how long it’ll last. Will it be enough? Will the Age Pension help?  Can I take the plunge? 

3. Do I have enough to retire and meet my retirement goals?

We’re already retired but losing sleep because we have no idea if our savings will last the distance. Do we have enough? Are we spending too much? Or might we be OK to buy this awesome motorhome we found and go on our dream holiday while we can?

4. Am I on track for a good retirement?

OMG we’ve just realised we’re in our 50s now, and it hit us that we’ll be retired in 10 years from now. What is our retirement going to look like? Are we doing the right things? What are our options to get on track? 

5. Is my super balance too low for this service?

I’ve read articles about Jubilacion and checked out your website. It is just what I need! But I’m nervous I don’t have enough money to be your typical client. Can I have a quick chat and check?   

6. What if…?

At Jubilacion, we also get a phenomenal range of ‘what-if’ questions.  Here are some:
–         How much can I safely spend and be confident it’s sustainable for life?
–         What if I retire and then markets crash, I mean, really crash…?
–         What if I work part-time for a while?
–         Can you take into account our expected inheritance?
–         Can you take into account our plans to sell our business?
–         What if we spend more in the first 10 years and reduce this by say $10,000 pa later?
–         Can we afford to pay for our kids’ weddings?

What our customers say.

When I first retired, I was worried sick as to whether my wife and I had saved enough to last in retirement.

Our accountant recommended we use Apricot’s Retirement Readiness service and this couldn’t have happened at a better time with all this COVID worry going on. I found Apricot’s service very reassuring. Their staff explained the process and key concepts well and presented us with results that were easy to understand and digest.

It’s a great tool to give confidence that you’re in a good position.

I plan to get another report at least every two years. I love that we had the ability to adjust the calculation to test different circumstances.

PAUL, QUEENSLAND, RECENTLY RETIRED
My client wanted to be really confident before taking the leap of faith to retire. I, therefore, suggested she speak to Apricot. Apricot’s team are very accommodating and they take care to explain key concepts.

The service is a great opportunity to take stock of a person’s financial situation and to understand your financial future. My clients were delighted and said they felt very comfortable speaking to Liam and Jim.

The scenario testing adds considerable value to the process and gets clients thinking about their big decisions and trade-offs. My most recent referral left the clients feeling much more confident and it resulted in additional tax planning work for me.

I’ll recommend the service to all my clients who are on the cusp of retirement, but also those who are within 10 years from letting go of their salary and want to know where they stand.

KARIN, NSW, ACCOUNTANT
We worked hard in our younger years so that we could travel and enjoy a good standard of living in our retirement. COVID’s effect on the markets (and our super balances) left us worried that we wouldn’t be able to achieve our retirement goals.

Liam took the time to chat with us, really understand our specific situation and identify our concerns. The results in the report were explained to us in terms we could understand and provided us with a really clear picture of what was achievable. It was valuable to be able to explore scenarios specific to us and see what effect they would have on our finances. We would highly recommend this service for retirees like us who are looking for clarity around their retirement spending.

SONNY AND VERONICA, TASMANIA, RETIRED
Contemplating an active retirement in the next year or two, we wanted to know if our various bits of super, pension funds and savings would be enough to live comfortably for the rest of our lives, however long they may be, with the occasional adventure and travel to visit family and friends. We were not interested in detailed financial plans or paying expensive annual financial planning fees.

The Jubilacion team listened to us, asked the right questions and then patiently guided us through some alternative future scenarios we provided, step by step. It was reassuring and fascinating. We’re looking forward to an active retirement sooner, and for longer, then we expected.

VALERIE, TASMANIA, APPROACHING RETIREMENT
Before:
When I first retired, I was worried sick as to whether my wife and I had saved enough to last in retirement.

After:
It’s a great tool to give confidence that you’re in a good position. I plan to get another report at least every 2 years. I love that we had the ability to adjust the calculation to test different circumstances.
Paul, Queensland, Recently Retired
I felt very comfortable dealing with Jubilacion from the first communication. The first meeting was promptly organised with consideration to my availability. I felt relaxed at the first meeting and considered the whole process to be very professionally handled. Liam was knowledgeable and able to answer my questions.
Jenny, Victoria, Approaching Retirement

Learn a new way to plan for your retirement with confidence. Talk to us to find out more.

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Frequently asked questions

The amount you need is based on your unique situation, lifestyle, decisions and future cashflows.

We’ll help you identify and forecast your sources of income over time and then identify your Safe Spending budget to make sure you’ll always have enough.

Our model can consider any scenarios or decisions you wish to explore. This can account for life changes, such as taking on part-time work, downsizing the home, retiring sooner, deciding to travel, and many more scenarios. We are world leaders at taking market risk into account.

We do not sell any financial products or recommend specific investments or products to use. Our focus is on the calculations to let you visualise your long-term financial picture and make informed decisions in a way that’s easy to understand. All for a simple, one-off fee that is less than half the average cost of a financial adviser.

Every Australian deserves a reliable answer to the three Big Retirement Questions, especially ‘How much money do I need to retire?’ We will guide you through the complete picture of how to design your retirement, avoid mistakes and make the most of your money even if living costs go up, markets fall, or you live longer than average. Our experience has helped hundreds of clients achieve a materially more comfortable retirement than they otherwise would have.

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Get your free guide to help you control the biggest challenges in retirement: having enough money to retire, annual cashflows, risk, and more. Straightforward, easy-to-understand insights from the team at Jubilacion.

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    Why choose Jubilacion?

    We are a team of experienced retirement professionals who are passionate about helping Baby Boomers navigate the complex world of retirement. We offer a personalized service that is based on expert financial modelling, tailored to your unique needs and goals, so you can enjoy a comfortable and secure retirement. Here are some more reasons that make Jubilacion unique:

    Trust

    We pride ourselves on our
    transparency and trustworthiness. Our staff are committed to providing honest and unbiased scenarios, so you can make informed decisions about your retirement with confidence.

    Experience

    We pride ourselves on our With over 60 years of combined experience in the industry, Jubilacion has built a reputation for providing comprehensive retirement modelling services to Baby Boomers across Australia.

    Expertise

    We are world leaders in applying
    financial modelling to retirement plans in a way that’s engaging and easy to understand. Our actuaries are bound by the professional standards and code of the Actuaries Institute Australia.

    Personalised

    We pride ourselves on our
    transparency and trustworthiness. Our staff are committed to providing honest and unbiased scenarios, so you can make informed decisions about your retirement with confidence.

    Cost effective

    Competitive pricing and flexible options. Don’t assume we are expensive! We believe everyone deserves to have access to quality retirement support services, regardless of their financial sit.

    Meet the team.

    Jim Hennington

    CEO & Actuary

    Liam Azzopardi

    Product Manger

    Clarissa Horwood

    Communications Director

    David Schneider

    Actuary