Amber Wealth — home
For Australians aged 50 to 67 · Brighton, Melbourne

Have I got enough to retire?

It's the question most people in their fifties turn over at 3am and never get a straight answer to. In 45 minutes we'll give you one — a real number, based on your super, your savings, and the life you actually want to live.

45 minutes · Complimentary · No obligation to proceed

  • Corporate Authorised Representative of Lifespan Financial Planning Pty Ltd, AFSL 229892
  • Brighton office, or by video
  • More than 15 years in financial services
  • Retirement, super and Age Pension specialists

What does the retirement you want actually cost?

Who's retiring?
What standard of living?

That lifestyle costs about

$78,566

The full Age Pension provides $47,070. That leaves $31,496 a year you need to fund yourself.

ASFA estimates you'd need around $730,000 in super at 67 to cover it.

Source: ASFA Retirement Standard, March quarter 2026, for homeowners aged 65–84. Age Pension figures include supplements. Lump sums assume retirement at 67, drawdown of capital and receipt of a part Age Pension. These are general benchmarks, not a projection of your own position.

Most people are out by more than they think

$78,566

What a comfortable retirement costs an Australian couple each year

$47,070

What the full Age Pension pays a couple, including supplements

$31,496

The annual gap your super and savings have to cover

Those are national averages. Your number depends on your mortgage, your health, when you stop work, and how long you live. That's the number worth knowing.

Does any of this sound familiar?

  • You've got super sitting in two or three funds and you couldn't say exactly what's in them.
  • Someone has told you "you'll be fine" — but nobody has ever shown you the maths.
  • You'd like to stop at 60, not 67, and you don't know whether that's realistic or wishful.
  • You worry about running out at 85. You also worry about dying with a pile you never spent.
  • Your last review was with an adviser who has since left the firm.

None of these are unusual. All of them are solvable once you can see the numbers.

The Retirement Readiness Review

Forty-five minutes with Adam Sobczak, in the Brighton office or by video. You'll leave with three things written down — whether or not you go any further with us.

Your retirement number

What the life you're picturing actually costs each year, in today's dollars — not a national average, your figure.

Where you're on track to land

What your super, savings and likely Age Pension entitlement are projected to deliver, and what that means for the retirement date you have in mind.

The three levers that matter most

Of everything you could change — contributions, structure, investment mix, timing, or when you stop — which ones actually move your outcome, and by how much.

There is no cost and no obligation. If we're not the right fit, we'll tell you, and you keep the numbers either way.

How it works

01

Tell us where you're at

A short form. Your name, how to reach you, and roughly where things sit. Takes under a minute.

02

We talk for 45 minutes

Brighton office or video, whichever suits. Bring a recent super statement if you have one handy — if not, we'll work with what you know.

03

You get your numbers

A written summary within five business days. Yours to keep. No follow-up sales sequence, no pressure.

Adam Sobczak, Director and Principal Adviser at Amber Wealth

You'll be talking to Adam — not a call centre

Adam Sobczak is Director and Principal Adviser at Amber Wealth. He has worked in Australian financial services since 2010, including roles at CBA, NAB, ANZ and the industry fund TelstraSuper, as well as boutique practices around the country.

He holds the Diploma and Advanced Diploma of Financial Planning and is accredited to advise on SMSF and margin lending. He graduated from Victoria University in 2012, majoring in Financial Risk Management and International Trade.

Amber Wealth is a boutique practice in Brighton. Adam sees every client personally.

  • Dip. FP
  • Adv. Dip. FP
  • SMSF accredited
  • Brighton, VIC

Questions people ask before they book

ASFA estimates a single person needs around $630,000 in super at age 67 for a comfortable retirement, and a couple around $730,000, assuming they own their home and receive a part Age Pension. Those are national benchmarks rather than personal targets. Your actual figure depends on when you stop work, whether you still have a mortgage, your health, and how much of your capital you're comfortable drawing down. Two households with identical balances can need very different numbers.

A comfortable retirement costs about $55,923 a year for a single and $78,566 for a couple, according to the ASFA Retirement Standard for the March quarter of 2026. A modest standard costs about $36,434 and $52,473 respectively. Comfortable assumes top-level private health cover, a reasonable car, regular leisure activities, an annual domestic trip and an overseas trip roughly every seven years.

You can generally access your super from age 60 once you meet a condition of release, but Age Pension age is 67, so retiring at 60 means funding roughly seven years entirely from your own assets. Whether that works depends on your balance, your spending, and how the drawdown is structured. A transition to retirement strategy is one option some people use to reduce hours before stopping altogether. This is the single most common question we're asked and it deserves a proper look at your numbers.

Many retirees with super still receive a part Age Pension, because entitlement is worked out under both an income test and an assets test, with the lower result applying. Your family home is generally excluded from the assets test. The full Age Pension including supplements is currently about $31,223 a year for a single and $47,070 for a couple. How you structure and time your drawdowns can affect what you're entitled to.

Fees are agreed in writing before any work begins, and you'll know the exact figure before you commit to anything. The Retirement Readiness Review itself is complimentary. If you decide to proceed, we quote a fixed fee for the advice document based on the complexity of your situation, and ongoing service is charged under a separate agreement you renew each year. There are no surprise fees and no fee is charged without your written consent.

No. Plenty of our clients stay exactly where they are. We'll review whether your current fund suits your goals, and if a change is worth considering we'll explain why in writing, including the costs and any insurance you'd lose by moving. Changing funds is a decision with real consequences and it's never a default recommendation.

You'll spend about 45 minutes with Adam talking through where you are now and what you want retirement to look like. Bring a recent super statement if one is handy. There's no presentation and no product pitch. You'll get a written summary of your numbers within five business days, and you're free to take it and do nothing further.

Amber Wealth is a Corporate Authorised Representative of Lifespan Financial Planning Pty Ltd, AFSL 229892. That licensee is responsible for the financial services we provide. You can ask for our Financial Services Guide at any point, and you'll receive one before any personal advice is given.
Read more retirement questions →

Book your Retirement Readiness Review

Two steps. The first takes about thirty seconds.

Stop guessing. Get the number.

Forty-five minutes, no cost, no obligation. You'll leave knowing where you actually stand.

Or call 03 9964 0718 — you'll get Adam or someone who works with him.

Call