Special offer for SuperGuide members
Get 20% off Jubilacion Australia’s standard price for their detailed asset and cashflow modelling service.
- Feel secure to let go of your salary
Discover a new level of financial literacy through your connection with the actuaries and specialists at Jubilacion, unlocking valuable insight and empowering informed decision making. - Beat the limitations of conventional planning tools
Experience peace of mind by surpassing the limitations of traditional retirement calculators that don’t properly deal with risk and uncertainty. - Complexity handled, you’re on the front foot
Approach your retirement knowing that every intricate detail and complexity has been taken care of, leaving you well-informed and empowered.
Our approach to retirement planning puts your future first
Confidence through expert guidance
Our experienced consultants walk you through the complexity. Our credentialed actuaries provide you with expert insights, harnessing risk assessment and analysis skills to fortify your retirement planning.
Personalised cashflow planning for confidence
We meticulously analyse your individual circumstances to create a lifelong cashflow strategy, encompassing your primary income streams, super and non-super assets and expenses. Our experts employ rigorous assumptions and conduct stress testing to ensure comprehensive coverage.
Unbiased retirement planning support
We offer a fully independent, commission-free service focused on your current assets and lifestyle choices. Our approach prioritises cash flow planning over the pursuit of investment outperformance. We simplify a complex process because we are committed to the Actuaries Institute’s code of conduct and rigorous standards. Ask questions and gain transparent, partner-driven solutions for your retirement concerns.
How we work
Our rigorous, modelling-based approach provides the one answer that other retirement calculators make you guess: the lifestyle you can safely afford in retirement based on your financial position, choices, and risk.
Why risk?
Because risk has the most significant influence on your cash flow. The industry as a whole is not using tools that adequately consider risk for retirees. As Actuaries, risk is at the core of what we do.
Here’s how our model works
We start with your current scenario
- Projected life expectancy
- Current wealth and income
- Lifestyle goals
Then we model external risks and your choices
- Inflation
- Market returns
- Cashflows
- When to retire
Then we stress test the model thousands of times
- Market scenarios
- Lifespan scenarios
- Options you want to explore
This gives you credentialed answers and certainty
- Safe-spending level: This is the amount we calculate you can spend per annum on essential items, indexed to living costs, and be 95% confident that it can be sustained for life through all market conditions.
- Variable-spending level: This is the amount that, depending on markets, you can expect to spend in addition to your safe spending. In the event of a market slump or higher-than-expected inflation, you would need to be ready to forgo this extra lifestyle.
The difference between guesswork and rigorous modelling can be thousands of dollars each year
Frequently asked questions
A priceless investment in your future
The confidence and empowerment from spending a relatively low fixed fee for our service is invaluable. You’ll likely have a budget for maintaining your home and physical health. It’s crucial also to budget to help keep your finances in healthy shape.
SuperGuide members receive 20% off – you pay $1,560 (discounted from $1,950).
That includes:
- Three face-to-face meetings and a detailed report of your cashflow and projections throughout retirement.
- Meetings to discuss and explain your results with the ability to ask questions and get further information on the most critical topics to your situation.
- Answers to how much you need to retire and/or what lifestyle and spending you can achieve in retirement with confidence you won’t run short.
- Identify the ‘levers’ you have to control and improve your results.
Our Promise
- 30-day money-back guarantee. If you aren’t satisfied with our service, we will refund you in full.
- Qualifications you can verify here and staff profiles you can see here
- We use plain language. We explain and simplify the rules and encourage you to ask questions
- We carry out 1:1 meetings via secure video calls – in the comfort of your home or workplace, where you (and your spouse, accountant or financial planner if you wish) can attend
- We provide you with links to objectively verifiable sources of further information about topics that are relevant to you