Retirement Planning

Winding down your employment or leaving the workforce does not have to be complicated or intimidating.


Understanding how much you need to be comfortable to fund the lifestyle you want is key though, and very individual. We will take some time to break this down, and allow also for purchases, travel, or gifts over time.




Superannuation remains a highly effective vehicle to build your bag on money for retirement. Making the most of super involves knowing how much to contribute, how to invest it, and ensuring to manage tax. 


I offer specialist advice on various defined benefit schemes as well as most industry and retail super funds. How do you best structure and set up a retirement income stream? Should it be in your name or your spouse? Can you access lump sums, or change your income if needed? Will your family receive and inherit

  • Commonwealth Superannuation Scheme (CSS)
  • Public Sector Superannuation Scheme (PSS)
  • NSW State Superannuation Scheme (SSS)
  • NSW State Authorities Superannuation Scheme (SASS)


Retirement Pension

How do you best structure and set up a retirement in stream? Should it be in your name or your spouse? Can you access lump sums or change the income if you need to? Will your family receive an inheritance, and will they be taxed?


Defined Benefit and Account Based Pensions can be a great way to receive regular income in retirement, but we need to get this right. 



Centrelink Entitlements

The Centrelink Age Pension and Commonwealth Seniors Healthcare Card (CSHC) have undergone significant changes to their eligibility criteria over the years. Let's see what you are entitled to.  



Redundancy advice

A redundancy offer be it voluntary or otherwise, will bring a mix of emotions. Is this the right time? What happens if I leave, will I have enough? Explore your scenarios before leaping. 

David Luke

Bch Com | Dip Financial Planning | Adv Dip Financial Planning

FASEA Qualified

ASIC ID: 1005632


David Luke Retirement Planning Pty Ltd

ABN: 69 625 956 827

CAR: 002165207


Level 5, 15 Moore Street

Canberra ACT 


PO Box 125 

Erindale ACT 2903

Both David Luke (Individual Authorised Representative 001005632) and David Luke Retirement Planning Pty Ltd (Corporate Authorised Representative 002165207), are Authorised Representatives of Fintegrity Wealth Advisers Pty Ltd

AFSL: 534 971


Financial Services Guide



General Advice Warning

The information contained within the website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, neither David Luke Retirement Planning Pty Ltd or Fintegrity Wealth Advisers Pty Ltd will bear responsibility or liability for any action taken by any person, persons or organisation on the purported basis of information contained herein. Without limiting the generality of the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein but instead should satisfy themselves independently of the appropriateness of such action.