Retirement Planning Strategies

Do I have enough Money? It’s the most common question we get and is the number one reason people seek advice from us.

How much money do you need for the rest of your life?

Research shows the majority of people have no idea how much money they really need for the rest of their life. You may have income, assets, investments, and superannuation but no idea what it all means or what sort of financial future awaits.

So, if you feel like this, you’re not alone. The big question is: are you going to run out of money? Or die with too much?

What we all need to know is how much is Enough?

Having insight into how much you need can be enlightening. It can put you in control. Knowing how much is ENOUGH will give you the freedom to live your life smarter. After all, life is not a rehearsal, it needs to be lived to the max.

Of course, lifestyle is different for everyone. Some people have a big lifestyle. Some have a little lifestyle. But it’s all about lifestyle.

We provide an approach to financial and retirement planning to help you find this freedom. This approach helps us discover your ‘Number’ – the amount you need to keep living the life you want. To work out how much is Enough.

Once we determine your ‘Number’, we then help you accumulate it, manage it, protect it and, most importantly ENJOY IT before it’s too late. That’s proper financial planning.

The next few case studies will provide real life client scenarios of how we have helped people who:

  • Don’t have enough money (yet).
  • Have got too much money.
  • Have just the right amount of money.

You will likely fit into one of those 3 groups and you can see how you too can benefit from our Life-Centred Financial Planning approach.

Retirement Planning Case Studies

Neil & Sue - The Case of How Much Money Is Enough?

Neil & Sue worked hard, very hard.   But they…

David & Elaine - The Case of 'Mr & Mrs Do It Yourself'

David and Elaine were retired and struggling to live off the…

Trevor & Sue - The Case of Too Much Investment Risk

Trevor & Sue had recently sold their share of their business…

John & Sarah - The Case of 'Are we there yet?'

John & Sarah were nearly there, or so they thought.  Trouble…

Endorphin Wealth Management
Endorphin Wealth Management
5.0
Based on 118 reviews
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Fran
Fran
01:00 02 Aug 21
I have had the pleasure of dealing with Robert and his team for several months now. The most immediate thing I noticed... was that they don't have an attitude of 'one size fits all'. Robert has spent time assessing our wants, needs and even dreams! I truly believe he will make it happen. He is very responsive and cares about the bigger picture. I recommend Robert and his team as honest, helpful and experts in their field.read more
Jacqui Skywalker
Jacqui Skywalker
11:12 28 Jul 21
Rob was promptly responsive to my initial contact through facebook, and we quickly arranged an online meeting. Rob was... happy to meet at a time that suited us. He was excited to share his knowledge and contacts with us to teach us and propel us faster to our goal of being a first home buyer. We feel like meeting with Rob was an important step in our journey and we are glad to have him on our team!read more
Sally Burgess
Sally Burgess
07:23 28 Jul 21
Robert has been simply brilliant. He explained (a couple of times as I’m not money minded) how Endorphin would manage... my money and help grow my wealth. I found him to be very supportive and incredibly friendly too. I don’t use the world ‘affable’ very often but Robert is an affable bloke.The whole process of starting my journey with Endorphin was fairly stress free thanks to Robert and his team. I was a bit concerned that changing super funds would be a pain but it wasn’t.I’m confident that I made the right decision in letting Endorphin help me.Happy to recommend to others! Thanks again Robertread more
Anna Phyland
Anna Phyland
03:45 28 Jul 21
Michael has been an absolute pleasure to work with. He has been so helpful in meeting all of our financial needs, and... really listened to us to make sure he understood what we are wanting to achieve. He was always professional, patient and responded quickly. I wouldn't hesitate to recommend Michael to anyone wanting financial planning services.read more
Ros Wilson
Ros Wilson
01:05 28 Jul 21
Rob and his team were very engaging. They were knowledgeable, provided explanation at a level that was understandable... and displayed a sound understanding of their expertise. I found Rob’s communication style very relaxed and he showed genuine interest in our future planning. They maintained follow up and had adaptability when plans varied making life choices less complicated. Thanks Rob for the advice and guidance we will be certain to stay in touch. Highly recommend for future financial planning. Val & Kateread more
Rebecca Ackermann
Rebecca Ackermann
22:48 27 Jun 21
Michael was very professional and fast sorting out my insurance questions and needs. He always replied withing a... couple of hours and gave me the best available option in insurance companies while also offering me competing offers. Highly recommend him.read more
jfs family
jfs family
13:24 21 Jun 21
Rob is amazing! He is very thorough and knowledgeable. He took the time to understand our needs and then explained... his recommendations so well instilling us with confidence. He is there to hold our hand every step of the way. Couldn’t be happier with the outcomes to date. We have met with real duds calling themselves Financial Advisors in the past and so we were quite skeptical at first. We couldn’t be more delighted. Rob has a positivity and enthusiasm that is refreshing and always welcomed. Jenni and Fransread more
Marcus Stacey
Marcus Stacey
01:04 09 Jun 21
I was worried about being overwhelmed planning for our financial future before meeting Rob and his team. He was... fantastic in taking his time , listening to who we are and what our goals were. With no pressure he was able to make suggestions that opened our eyes to possible options that we hadn’t considered. I walked away from our first meeting so much more relaxed about our future finances and that feeling grows with every meeting we have.read more
Avneet Chandhok
Avneet Chandhok
04:32 17 May 21
It has been really refreshing working with Rob and helping us plan our finances. His depth of knowledge, passion and a... professional approach creates a trust that is rare to find and made us work with him at the first place.Always ready to help with no questions left unanswered, assisted us in getting a comprehensive outcome. Would be glad to recommend your services who wants to achieve better financial outcomesread more
Julia Torkos
Julia Torkos
09:48 10 May 21
Glenn took the time to help me identify the life I want to create for myself now and into the future, and then his... advice showed me the steps I need to take in order to achieve that life. Very much a life-centred approach that outlines what my financial future looked like and the actions I need to take to achieve my desired lifestyle. Life-changing stuff!read more
Michaela Rudder
Michaela Rudder
23:27 15 Mar 21
I highly recommended working with Robert Rich, he's down to earth, yet focused and professional which made him nothing... short of incredible in supporting my family during a challenging time. Can't thank him enough!read more
Kate Hastilow
Kate Hastilow
02:00 11 Mar 21
Robert Rich has been an incredible help to us in creating a financial game plan to assist with our goals for the... future. He has provided us with an easy to follow budget and sound advice on investments in shares and property. He keeps us accountable and on track with monthly check-ins on our budget. We appreciate his friendly approach and finally feel like we game plan for the future. Thanks so much for all your guidance and knowledge to date, Robert!read more
Daniel McKay
Daniel McKay
01:56 16 Feb 21
Phillip and the Endorphin team are total pros and wonderful to deal with. They have been instrumental in helping us... prioritise and plan to grow our personal wealth safely.Highly recommendread more
Violeta Spirkoska
Violeta Spirkoska
07:51 04 Feb 21
We have been working with the financial advisers at Endorphin Wealth Management for several years, particularly the... Director of the company, Phillip Richards. Our experience has been extrememly positive. Phillip goes beyond the call of duty to assist his clients and has definitely strengthened our financial position. We are very happy with the service and professionalism and would highly recommend the company to anyone seeking financial advice.read more
Dino Cellini
Dino Cellini
11:48 21 Jan 21
We have been working closely with Rob for some 5 years now and he provides our clients with excellent service,... professional advice and genuine client care. He is highly responsive, easy to deal with and always has a smile. We have no hesitation in recommending Rob to our valued clients.read more
Rebecca Wadley
Rebecca Wadley
04:56 04 Jun 20
Justin and the team at Endorphin Wealth are professional, trusted advisors who provide good quality service with the... client at the heart of all they do. Their approach is quite unique and customer centric. I would have no hesitation in referring my clients, friends and family through to Justin and the Endorphin Wealth team.read more
Vanessa Doller
Vanessa Doller
07:13 02 Jun 20
I wholeheartedly endorse Rob Rich and his team at Endorphin Wealth. When it comes to financial advice you want the... best. Rob is so knowlegable, passionate about his clients future, and, really takes the time to get to know you as a person and understands your situation, to then be able to advise accordingly. Rob is someone you want on your team to help you create personal financial security for your future.read more
Natasha Barton
Natasha Barton
00:16 01 Jun 20
I have been dealing with Phillip and the team at Endorphin Wealth for approximately 18 months. They have helped me a... great deal with both defining my financial goals, and putting a plan in place to achieve them. The team have always been professional and responsive. I highly recommend Endorphin Wealth for anyone looking to secure their financial future.read more
Suzanne Diprose
Suzanne Diprose
21:52 26 May 20
Roberts understanding of financial management is extensive - so is his understanding of people and their needs. Highly... recommended.read more
Glenn Hill
Glenn Hill
02:19 23 Apr 20
I approached Endorphin Wealth with a really complex problem that I genuinely thought had no solution. The level of... attention, respect, and care David Patterson and Phillip Richards afforded me is completely invaluable. Their advice has made a significant and tangible difference; I can not recommend them highly enough.read more
Alana Blizzard
Alana Blizzard
22:31 22 Apr 20
Robert was Fantastic to deal with! Super friendly and very personable. We were not experienced and unsure of what we... needed/was best for us but Robert guided my partner and I through everything clearly and always answering any concerns we may have had. Very informative, easy to deal with and friendly.Thanks for all your help 🙂read more
Sharon Vidot
Sharon Vidot
22:19 09 Mar 20
Robert is a great listener and invested in what is important to you. If you want to work with someone who cares about... you and leads with integrity then he is the man to help you down your financial path.read more
Chris Chivers
Chris Chivers
09:03 19 Feb 20
Upon a recommendation through a friend, we contacted Rob to discuss our financial position and to seek his guidance for... our future aspirations. Rob has been fantastic! His knowledge of all things financial has been very impressive, but also, his genuine concern and interest in what we were looking for, has meant we can seek advice at any time.We couldn’t recommend Rob highly enough to anyone who’s looking for a trusted and professional financial wiz!read more
amair arif
amair arif
12:55 03 Feb 20
Excellent and expertise financial advise from Justin Hooper. Great help in managing my super funds and educated me well... of whole process. Great skills and management, very well presentation of process which makes me understand well. Thanks Justin for wonderful service, making whole process smooth. Highly Recommended. 👏👏👏👍🏻👍🏻read more
Brigid Butler
Brigid Butler
08:55 29 Jan 20
Robert has been a joy to work with. He puts you at ease and explains everything in an easy to understand way. He asked... pertinent questions about my personal situation so he could come up with a financial plan that would ensure that I can live the life I want going forward. He is friendly, caring, passionate about his work and always responds promptly to emails and phone calls. I consider myself very lucky to have met him.read more
Mitchell Brereton
Mitchell Brereton
22:26 14 Jan 20
I was recommended to Justin last year and he was been amazing. In the 9 months of working with him he has given me a... clear vision and goal of my financial situation for the next 20+ years. He always answers the phone & I feel much more at ease now that i have Justin's guidance. Could not recommend him any higher!read more
Gerard P
Gerard P
00:58 30 Nov 19
Robert is fantastic. He helped me to clarify my financial goals and to put in place a clear plan to achieve them. He is... a pleasure to work with and I highly recommend his services.read more
Caradi Miller
Caradi Miller
00:42 16 Nov 19
Robert was recommended to me via my accountant. From our very first phone call I knew that Robert was the person to... help me with setting up my financials for my future retirement. His easy going, friendly and knowledgeable personality makes talking and doing finances a breeze. I highly recommend Robert for all matters regarding personal and SMSF finances.read more
Andrew Di Luciano
Andrew Di Luciano
23:29 09 Sep 19
My Financials was a mess from Savings to Super, i was hesitant to approach anyone with my financials but i needed to do... something fast, I approached Robert after i saw some reviews online, i received a warm welcome from Robert and Staff at Endorphin Wealth Management, I explained my situation, Robert introduced me to a couple more people to get my credit in order as well as my taxes, Robert took care of the rest, he immediately went to work and got all my super in order and we even started a personal portfolio thinking about the long term, i am better off financially now that i have everything in order and visible. I highly Recommend Robert and this team for his knowledge, support and keen eye for detail. 🙂👍 - 5 Star Rating ✨✨✨✨✨read more
Sue Curry
Sue Curry
23:57 02 Sep 19
We recently decided it was time to get our finances in control and look to our future retirement. On a recommendation... from a work colleague, we contacted Robert from Endorphin Wealth to help. Robert was professional, knowledgeable and a delight to deal with. He took away our stress and streamlined our finances and investments, personalizing everything to suit our individual needs and circumstances. Both my partner and I would highly recommend Robert to anyone looking to secure their future finances and investments.read more
Timothy Mannix
Timothy Mannix
01:42 09 Aug 19
I am extremely happy with the attention and care Rob has provided us from Endorphin over the past 18 months. No query... is too insignificant or small for his attention and his advice and management has certainly helped me become more confident and feel more secure about my future planning. Thank you Rob!read more
Ann M
Ann M
08:17 16 Jul 19
I have been working with Glenn for around 6 years. His advice over that time has help me build my superannuation &... retirement assets to a point where I can afford to retire. Around 6 months ago I decided that I wanted to formally retire. Glenn discussed importance of retiring to something and we spent time developing my vision for retirement. This included spending more time with my family, learning how to paint, mentoring my grandchildren, and keeping active by joining a swimming class. He also discussed the important lifestyle benefits that my work provides and how I can replace these once I leave the workforce. This holistic approach is true retirement planning. Because of Glenn I’m confident that I not only have enough money to retire but will also live a fulfilling and energising retirement.read more
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Sanjeev helped us achieve our short and long term financial goals by providing a clear advice, and sometimes even going out of his way to ensure best possible outcomes for us. He is easily approachable and takes a genuine interest in his clients. I have no hesitation in recommending Sanjeev to our friends, family and colleagues.

Mihir

Compared to other advisers I had met, the difference with Ray was he seemed to care, and our chat was extremely tailored toward my complex goals and structures I had in place. He runs my SMSF and has re-organised my legal structures and recommended me a new accountant and saved a fair amount of money in the process. The best way I can express my high praise and gratitude is via this review!

Stevan

Rob has been amazing to deal with. He is so kind and considerate – especially recently when he developed a plan for my Mum who was struggling to live on a part pension. Rob has changed my Mum’s life..and mine! Thank you Rob! We are forever in debt to you!

Jennifer Pitson

Phillip and the team at Endorphin have looked after my financial affairs for a few years now and I could not be happier. They are pro active with communication, experts at investment advice and are friendly and great to deal with. They are my trusted financials professionals. I highly recommend them if you are looking for a financial planning team that will look after you for the future.

Stuart Coulthard

Rob and Phil and their wonderful team provide excellent service with the unique combination of award winning professional insights, personalised service and real and genuine care about our future

David Klingberg

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

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