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Retirement planning goes far beyond tracking your super or crunching numbers. It’s about making thoughtful, well-timed decisions that give you control over the life you want now, and the lifestyle you want later. That’s why our retirement plan services are focused on more than just financial outcomes. We help you make informed decisions, avoid costly missteps, and create clarity in a complex landscape.
Whether you're looking to transition out of your business, structure your super and investments, or simply understand what’s possible, our team will work with you to develop a retirement strategy that reflects your needs, priorities and timeframe. Everything we do is backed by deep technical expertise, years of planning experience, and a clear understanding of the real-life challenges faced by successful Australians.
If you’re ready to take the next step, we’d love to meet you. Our South Melbourne office is located on Palmerston Crescent; come in for a friendly, obligation-free consultation and see how we can help.
Monday to Friday
8am to 5pm
On-street parking on Palmerston Crescent
Retirement planning goes far beyond tracking your super or crunching numbers. It’s about making thoughtful, well-timed decisions that give you control over the life you want now, and the lifestyle you want later. That’s why our retirement plan services are focused on more than just financial outcomes. We help you make informed decisions, avoid costly missteps, and create clarity in a complex landscape.
Whether you're looking to transition out of your business, structure your super and investments, or simply understand what’s possible, our team will work with you to develop a retirement strategy that reflects your needs, priorities and timeframe. Everything we do is backed by deep technical expertise, years of planning experience, and a clear understanding of the real-life challenges faced by successful Australians.
If you’re ready to take the next step, we’d love to meet you. Our South Melbourne office is located on Palmerston Crescent; come in for a friendly, obligation-free consultation and see how we can help.
Monday to Friday
8am to 5pm
On-street parking on Palmerston Crescent
Whether you’re ten years away from retirement or already preparing to step back, our retirement planning services are built around your unique financial position, lifestyle preferences and long-term goals. We help you model different scenarios, structure your super and investments, manage tax outcomes and plan for a confident transition on your own terms.
Liston Newton helped us move our accounting over to Xero. Their Accountant managed the set up and training so we felt comfortable with the software. We now have all our processes streamlined which gives us improved visibility of our business performance. This has allowed us to open 2 more stores without a significant increase in administration effort.
Retirement is one of the most personal financial decisions you'll ever make. That’s why we take the time to understand your goals, concerns and the legacy you want to leave. We work closely with each client to create a strategy that supports every step of the journey, from building wealth and managing tax, to accessing your super and adjusting as life changes.
Our advice isn’t tied to a product or platform. It’s shaped by years of experience, deep technical knowledge, and a strong belief in practical, human advice. We’ll help you navigate super, investment portfolios, pensions and more with clarity and confidence.
At Liston Newton Advisory, we take pride in helping business owners get more out of their hard work. Our downloadable guides can give you an in-depth look at strategies and technologies that will help your business grow.
Want to pay less tax and grow your business profits faster? Our free guide shows you how to take control of your finances, improve cash flow, and make better strategic decisions with help from a virtual CFO.
Liston Newton is a licensed financial services provider and a recognised leader in retirement and financial planning. Our team holds certifications across financial advice, tax, SMSFs and estate planning, and we’re trusted by individuals and business owners across South Melbourne who want long-term results and smart advice.
Australia’s most experienced and professional accountants — with industry leading qualifications and accreditations to show for it. Learn more from a specialised business accountant.
We've spent over 40 years guiding Australians through every stage of business, life and retirement.
Our clients stay with us because we listen carefully, think strategically, and always follow through.
We tailor our support as your circumstances evolve, from wealth creation to succession.
We help you track progress, simplify decisions and make the most of platforms like Xero.
When it comes to planning your retirement, we know there’s no room for guesswork or generic advice. That’s why we hold ourselves to the highest professional standards, combining deep expertise with a long track record of outcomes that genuinely help people shape their future.
Our team is continually recognised for the quality of our work, our client-first approach, and our ability to offer insight that’s both strategic and actionable. Every retirement plan we build reflects a commitment to precision, care and long-term results.
We invite you to explore how our standards translate into real impact for both individuals and business owners across South Melbourne.
See our full range of South Melbourne services to explore our local commitment
The first phase is all about establishing the fundamentals of your business and creating a strong foundation to build from. You also need to establish your long-term goals so you have a clear idea of what you're working towards.
The second phase is about gaining a deeper understanding of your business; how to make it more efficient and experience sustainable growth. This is where you transition from working in your business to working on your business.
The final phase is when all your hard work really starts to pay off. This is when you start using your profits to build your personal worth to a point that give you financial freedom—the freedom to work only if you want to.
With Liston Newton’s help, Claudia Martin was able to sell her business tax-free, gain clarity in her retirement planning, and make smart investment decisions.
After engaging Liston Newton's services, Chris & Leanne Roberts were able to purchase the B&B of their dreams by utilising their savings in the most tax-effective way.
Our South Melbourne team believes that true success goes hand in hand with giving back. That’s why we make it a priority to support causes that improve local lives, foster resilience, and create opportunity beyond the financial.
This support isn’t just about donations — it’s about showing up, sharing our skills, and contributing meaningfully to the people and organisations making a difference.
The cost of living in South Melbourne is significantly higher than the national average, particularly in areas like housing, healthcare, and lifestyle. This means that retirement planning here often requires more strategic financial modelling and a higher income buffer to ensure a comfortable standard of living.
We help South Melbourne residents anticipate these costs so they can build a plan that supports their lifestyle, not just meets the minimum. You can also speak with our South Melbourne retirement planning experts to map out a personalised strategy.
Many South Melbourne residents take an active, purposeful approach to retirement. For some, it’s a chance to scale back work without stopping altogether. For others, it’s the freedom to travel, support family, or give back to the community.
We help tailor retirement plans around these personal goals, ensuring your finances support what matters most to you. Our South Melbourne financial advisors can help you refine your vision and bring it to life.
With property values in South Melbourne remaining high, many residents see their homes as a major part of their retirement strategy. But planning for early retirement while holding or downsizing property requires careful timing and financial modelling.
We work with you to build a plan that aligns property choices with your desired retirement age and lifestyle.
Superannuation is a strong foundation, but for many in South Melbourne, it’s only part of the equation. The high local cost of living and elevated lifestyle expectations often mean super needs to be supplemented by other income streams.
We help you project income across your retirement years and identify any gaps, then develop a strategy to fill them.
While retirement income can be more tax-effective than employment income, understanding the rules is essential to make the most of it. South Melbourne retirees benefit from strategies that optimise tax efficiency across super, investments, and estate planning.
Our team stays across Victorian tax rules so you can structure your finances to minimise tax and maximise peace of mind.
Ideally, planning begins at least 10 to 15 years before your intended retirement age, but it’s never too late to benefit from strategic advice. Many South Melbourne professionals and business owners engage us in their 40s or 50s to prepare for life after work.
Whenever you’re ready to get serious, we’ll meet you where you are and guide you through the next steps.
Yes, even if aged care feels far away, it’s worth including in your plan. South Melbourne’s ageing population and competitive care market mean that preparation is key to accessing quality services when needed.
We offer retirement advice that looks beyond your active years, helping you prepare for every stage of later life.
Absolutely. Many South Melbourne clients choose a phased approach to retirement, gradually scaling back rather than stopping work abruptly. This can be a smart way to adjust financially and emotionally.
We help you design a retirement pathway that gives you flexibility, freedom and confidence every step of the way.
Advancements in ‘artificial intelligence’ have dominated tech headlines recently, and we’ve no doubt they will for some time to come. Many businesses, financial advisors included, have been impressed enough to believe in the ‘intelligence’ behind these tools. But not us.
AI is incapable of generating new ideas in any field, let alone financial strategy. Trained only on years-old ideas which they regurgitate without comprehension, AI tools are not trustworthy advisors. At Liston Newton, we admit to using AI tools to optimise our research and data analysis, but our retirement strategies, just like this page, are written purely by humans.
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